What Cargo Insurance Requirements Apply in Kansas?

A Kansas public motor carrier needs a certificate before transporting household goods intrastate, and issuance depends on compliance with Commission cargo and liability insurance requirements. Kansas law also directs the Commission to establish uniform cargo-liability and bill-of-lading rules, so request the shipment terms and applicable tariff rather than treating a carrier filing as insurance on your goods.

What Is Cargo and Transit Insurance?

Cargo coverage fits a shipper protecting goods it owns or a carrier responsible for another party’s goods. The quote needs to match who bears the loss, the shipment route and storage stops. Read the national Cargo and transit guide.

Kansas Cargo and Transit Insurance Requirements

Requirement	Details
Intrastate public household-goods carrier	Certificate of convenience and necessity required before operation; carrier must comply with Commission liability and cargo-insurance requirements. ¹

What Should You Watch for With Cargo and Transit Insurance in Kansas?

Check Public Carrier Authority
The Kansas certificate rule applies to public carriers transporting household goods in intrastate commerce. Verify the route and whether the provider is the carrier or an agent arranging transportation before relying on cargo representations. ¹
Ask Which Cargo Terms Govern
Kansas directs the Commission to prescribe uniform cargo-liability and bill-of-lading rules for regulated carriers. Ask for the bill of lading and applicable tariff, then compare their valuation and claims provisions with the cover you want. ²
Do Not Confuse Rate Notice With Claims
Under §66-1,112(c)(2), at least 15 days’ notice and a chance to comment apply to a qualifying collective general-rate increase or decrease under Commission-approved procedures, where discussion relates to industry-average carrier costs and not exclusively to individual markets or single-line rates. This is not a cargo-claim deadline or notice of your individual goods-policy limit. ²
Do Not Read the Filing Rule as Goods Cover
The statutes require compliance with carrier cargo-insurance requirements but do not say that your shipment is insured to full value. Ask for carrier liability terms and a separate cargo proposal based on your commodity, value and route. ^1,²

Which Cargo and Transit Providers Have Kansas License Records?

These providers publish a national listing for Cargo and transit; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Kansas. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability. ¹¹
Corgi lists a cargo contractual liability product in its transportation offering.

Who Regulates Insurance in Kansas?

Kansas Insurance Department

The Kansas Insurance Department regulates companies selling policies in Kansas for solvency and compliance with state law. Its consumer assistance team reviews written complaints, contacts the appropriate parties and requests corrective action when it finds a Kansas insurance-law violation. ^3,^4,^8,⁵

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 785-296-3071

Surplus-Lines Tax and Stamping Office in Kansas

Reported tax rate. 3% of gross premiums less returned premiums for surplus-lines insureds whose home state is Kansas; the 3% rate applies beginning with taxable year January 1, 2024 ^6,⁷

For surplus-lines business whose insured's home state is Kansas, the licensed agent must collect and pay a 3% tax on gross premiums less returned premiums; the 3% rate applies beginning with the taxable year starting January 1, 2024. For an exempt commercial purchaser, the surplus-lines producer need not file the signed diligent-search statement after disclosing that admitted-market insurance may or may not be available and may provide greater protection and oversight, then receiving the purchaser's subsequent written request.

Questions to Ask Before You Buy Cargo and Transit in Kansas

Is this a Kansas intrastate shipment handled by a public carrier with household-goods authority?
Which Commission bill-of-lading and tariff terms apply, and where is declared value recorded?
What separate goods policy covers my cargo interest beyond the carrier’s required filing?

Cargo and Transit Insurance in Kansas: Frequently Asked Questions

Does a Kansas household mover need state authority for an intrastate move?

A public carrier may not operate as a household-goods carrier in Kansas intrastate commerce without a certificate. The statute conditions issuance on Commission liability and cargo-insurance compliance. ¹

Does Kansas’s 15-day tariff notice give me 15 days to report cargo damage?

No. The 15-day notice and comment process in §66-1,112(c)(2) applies only to qualifying collective general-rate increases or decreases under Commission-approved procedures, where discussion relates to industry-average carrier costs and not exclusively to individual markets or single-line rates. It is not an individual cargo-loss claim deadline. ²

Sources for Cargo and Transit Insurance in Kansas

1
2026 Kansas Statutes §66-1,114, Public Motor Carriers; Certificates. Kansas Legislature; §66-1,114(a)-(c), intrastate HHG authority and insurance conditions. Accessed 2026-09-28.
2
2026 Kansas Statutes §66-1,112, Commission Authority to Regulate Public Motor Carriers. Kansas Legislature; §66-1,112(a)-(c), uniform cargo-liability/bill-of-lading authority; limited 15-day general-rate notice. Accessed 2026-09-28.
3
Kansas Insurance Department. Kansas Insurance Department; KID's current September 2025 Consumer Connection states the Department regulates companies selling policies in Kansas for solvency and compliance; current KID complaint guide gives consumer-assistance process and contacts. Accessed 2026-09-28.
4
Licensing FAQ. Kansas Insurance Department; KID FAQ currently indexed as directing users to SBS Lookup, select Kansas jurisdiction and Licensee Search Type; direct KID route returned HTTP 403 to this verifier. SBS lookup endpoint linked in regulator. KID's Sept. 29, 2025 guide also directs consumers to NIPR existing-license verification for agents. Accessed 2026-09-28.
5
How to File a Complaint. Kansas Insurance Department; Current 2-page KID PDF, p.1: consumer-assistance representative evaluates issue, asks for written complaint, reviews it and contacts appropriate parties; requests corrective action for Kansas law violation. p.2 publishes main phone 785-296-3071, hotline 800-432-2484 and insurance.kansas.gov/complaint. Accessed 2026-09-28.
6
K.S.A. 40-246c. Kansas Legislature; 2026 Kansas Statutes, K.S.A. 40-246c(a)(2): for insureds whose home state is Kansas, licensed agent collects and pays 3% of total gross premiums less returned premiums; applies beginning taxable year Jan. 1, 2024. Accessed 2026-09-28.
7
K.S.A. 40-246g. Kansas Legislature; 2026 Kansas Statutes, K.S.A. 40-246g(a)–(b): exempt commercial purchaser route waives signed statement if producer discloses admitted insurance may or may not be available and may give greater protection/oversight, followed by purchaser's written request; effective Jan. 1, 2016. Accessed 2026-09-28.
8
Consumer Connection: Life Insurance to Future Proof Your Family. Kansas Department of Insurance; September 29, 2025, p.1: directs Kansans to NIPR existing-license verification and gives the Department's 785-296-3071 phone; mission says regulate companies selling policies in Kansas for solvency and compliance. Accessed 2026-09-28.
9
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
10
Licenses and Carriers. Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535. Accessed 2026-09-22.
11
Insurance Producer Licenses. Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown. Accessed 2026-09-28.
12
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
13
Licenses. ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885. Accessed 2026-09-28.
14
Insurance Licenses by State. TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number. Accessed 2026-09-28.
15
Licenses. Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict. Accessed 2026-09-15.

What Cargo Insurance Requirements Apply in Kansas?

What Is Cargo and Transit Insurance?

Kansas Cargo and Transit Insurance Requirements

What Should You Watch for With Cargo and Transit Insurance in Kansas?

Check Public Carrier Authority

Ask Which Cargo Terms Govern

Do Not Confuse Rate Notice With Claims

Do Not Read the Filing Rule as Goods Cover