Ky. Rev. Stat. § 304.14-360 : BUSINESS AND FINANCIAL INSTITUTIONS — INSURANCE CODE — THE INSURANCE CONTRACT —360 - Construction of policies TEXT PDF Every insurance contract shall be construed according to the entirety of its terms and conditions as set forth in the policy, and as amplified, extended, or modified by any rider, indorsement, or application attached to and made a part of the policy. KRS 304.14-360 Effective:6/18/1970 Created 1970 Ky. Acts ch. 301, subtit. 14, sec. 36, effective6/18/1970.