--- title: "Commercial Auto Insurance in Kansas" description: "Kansas separates ordinary motor-vehicle policy rules from requirements for motor carriers regulated by the Corporation Commission." canonical: "https://spot.insure/coverage/commercial-auto/kansas" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/commercial-auto/kansas) # Commercial Auto Insurance in Kansas Kansas law sets liability and personal-injury-protection terms for covered motor-vehicle policies, but expressly excludes motor carriers regulated by the Kansas Corporation Commission from one owner-coverage section. Confirm your carrier authority class before using the general policy floor or PIP terms for a commercial fleet.[^1][^2] **Coverage:** [Commercial auto](/coverage/commercial-auto) · [Kansas](/coverage/states/kansas) ## What Is Commercial Auto? Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. [Read the national Commercial auto guide](/coverage/commercial-auto). ## Kansas Requirements | Requirement | Details | | --- | --- | | Covered Kansas motor-vehicle liability policy | $25,000/$50,000 bodily injury and $25,000 property damage; PIP included; KCC-regulated motor carriers excepted under §40-3104(l)[^2] | ## What to Watch for in Kansas ### Check Whether The Corporation Commission Regulates Your Carrier K.S.A. §40-3104(l) says this section does not apply to property or passenger motor carriers regulated by the Kansas Corporation Commission. Identify your authority class first; ask the broker to cite the rule that governs your filing instead of applying the general owner rule automatically.[^1] ### Ask About The Kansas Automobile Insurance Plan AIPSO describes the Kansas Automobile Insurance Plan as an option for eligible applicants unable to obtain coverage in the voluntary market. If insurers decline your risk, ask a producer whether the business and its vehicles qualify for that plan.[^3] ### Match Vehicle Proof To The Statutory Policy Record For vehicles governed by the Kansas Act, §40-3104 requires owners to provide coverage and drivers to show proof on demand; §40-3107 requires covered vehicles and named-insured details to be identified. Ask which Kansas filing or proof record applies to your authority and check the listed vehicles.[^1][^2] ## 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.[^4][^5][^9][^6] - [Regulator website](https://www.insurance.kansas.gov/) - [License lookup](https://sbs.naic.org/solar-external-lookup/) - [File a complaint](https://insurance.ks.gov/complaint) - Phone: 785-296-3071 ### Surplus-Lines Tax and Stamping Office **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 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.[^7][^8] ## Providers With Documented State Licenses These providers publish a national listing for Commercial auto; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Kansas; [check the regulator’s license lookup](https://sbs.naic.org/solar-external-lookup/) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** 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.[^12] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^15] ## Questions to Ask Before You Buy in Kansas 1. What Kansas PIP and liability provisions apply to this commercial vehicle form? 2. If voluntary insurers decline us, can our producer submit an eligible Kansas Automobile Insurance Plan application? 3. Does each registered vehicle have proof that matches its VIN and named insured? ## Commercial Auto in Kansas: FAQ ### Does Kansas require PIP on a commercial auto policy? Kansas §40-3107 includes personal-injury-protection benefits in covered motor-vehicle liability policies, but §40-3104(l) excludes motor carriers regulated by the Kansas Corporation Commission from its owner-coverage section. Have your broker identify which law and authority class apply to your commercial vehicles.[^1][^2] ### What can a Kansas business do after voluntary-market declinations? The Kansas Automobile Insurance Plan may provide coverage to eligible risks unable to obtain it in the voluntary market. Ask a licensed producer to verify eligibility and filing requirements.[^3] ## Commercial Auto in Other States - [Alabama](/coverage/commercial-auto/alabama) - [Alaska](/coverage/commercial-auto/alaska) - [Arizona](/coverage/commercial-auto/arizona) - [Arkansas](/coverage/commercial-auto/arkansas) - [California](/coverage/commercial-auto/california) - [Colorado](/coverage/commercial-auto/colorado) - [Connecticut](/coverage/commercial-auto/connecticut) - [Delaware](/coverage/commercial-auto/delaware) - [District of Columbia](/coverage/commercial-auto/district-of-columbia) - [Florida](/coverage/commercial-auto/florida) - [Georgia](/coverage/commercial-auto/georgia) - [Hawaii](/coverage/commercial-auto/hawaii) - [Idaho](/coverage/commercial-auto/idaho) - [Illinois](/coverage/commercial-auto/illinois) - [Indiana](/coverage/commercial-auto/indiana) - [Iowa](/coverage/commercial-auto/iowa) - [Kentucky](/coverage/commercial-auto/kentucky) - [Louisiana](/coverage/commercial-auto/louisiana) - [Maine](/coverage/commercial-auto/maine) - [Maryland](/coverage/commercial-auto/maryland) - [Massachusetts](/coverage/commercial-auto/massachusetts) - [Michigan](/coverage/commercial-auto/michigan) - [Minnesota](/coverage/commercial-auto/minnesota) - [Mississippi](/coverage/commercial-auto/mississippi) - [Missouri](/coverage/commercial-auto/missouri) - [Montana](/coverage/commercial-auto/montana) - [Nebraska](/coverage/commercial-auto/nebraska) - [Nevada](/coverage/commercial-auto/nevada) - [New Hampshire](/coverage/commercial-auto/new-hampshire) - [New Jersey](/coverage/commercial-auto/new-jersey) - [New Mexico](/coverage/commercial-auto/new-mexico) - [New York](/coverage/commercial-auto/new-york) - [North Carolina](/coverage/commercial-auto/north-carolina) - [North Dakota](/coverage/commercial-auto/north-dakota) - [Ohio](/coverage/commercial-auto/ohio) - [Oklahoma](/coverage/commercial-auto/oklahoma) - [Oregon](/coverage/commercial-auto/oregon) - [Pennsylvania](/coverage/commercial-auto/pennsylvania) - [Rhode Island](/coverage/commercial-auto/rhode-island) - [South Carolina](/coverage/commercial-auto/south-carolina) - [South Dakota](/coverage/commercial-auto/south-dakota) - [Tennessee](/coverage/commercial-auto/tennessee) - [Texas](/coverage/commercial-auto/texas) - [Utah](/coverage/commercial-auto/utah) - [Vermont](/coverage/commercial-auto/vermont) - [Virginia](/coverage/commercial-auto/virginia) - [Washington](/coverage/commercial-auto/washington) - [West Virginia](/coverage/commercial-auto/west-virginia) - [Wisconsin](/coverage/commercial-auto/wisconsin) - [Wyoming](/coverage/commercial-auto/wyoming) [Other Coverage in Kansas](/coverage/states/kansas) ## Sources [^1]: [2026 Kansas Statutes §40-3104](https://kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_031_0000_article/040_031_0004_section/040_031_0004_k/) — Kansas Legislature; §40-3104(a)–(d), (l): owner coverage, proof, >25-vehicle self-insurance eligibility, regulated motor-carrier exception. Accessed 2026-09-28. [^2]: [2026 Kansas Statutes §40-3107](https://kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_031_0000_article/040_031_0007_section/040_031_0007_k/) — Kansas Legislature; §40-3107(a)–(i): policy limits and PIP, scope on policies issued/renewed for Kansas-resident owners; express exclusions for rented/charge use and auto-business servicing. Accessed 2026-09-28. [^3]: [Kansas Automobile Insurance Plan](https://www.aipso.com/Plan-Sites/Kansas) — AIPSO; Eligibility after inability to obtain voluntary-market insurance; supplemental plan information. Accessed 2026-09-28. [^4]: [Kansas Insurance Department](https://www.insurance.kansas.gov/) — 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. [^5]: [Licensing FAQ](https://www.insurance.kansas.gov/licensing/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. [^6]: [How to File a Complaint](https://insurance.ks.gov/documents/department/publications/how-to-file-a-complaint.pdf) — 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. [^7]: [K.S.A. 40-246c](https://www.kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_002_0000_article/040_002_0046c_section/040_002_0046c_k/) — 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. [^8]: [K.S.A. 40-246g](https://www.kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_002_0000_article/040_002_0046g_section/040_002_0046g_k/) — 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. [^9]: [Consumer Connection: Life Insurance to Future Proof Your Family](https://insurance.ks.gov/documents/department/consumer-connection/Consumer-Connection-9-2025.pdf) — 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. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — 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. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-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. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-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. [^14]: [Licenses](https://www.nextinsurance.com/insurance-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. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — 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. [^16]: [Licenses](https://www.vouch.us/legal/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. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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