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Kansas Crime Insurance Guide

For a Kansas business, a forged check endorsement may involve someone handling receipts or issuing payments, while a spoofed invoice may persuade an employee to send an otherwise valid wire. Kansas includes retained contractors in its rule allocating certain check losses and sets statement-review duties and bank-notice limits for unauthorized signatures or alterations. Its funds-transfer article separately addresses bank security procedures for payment orders. These rules concern payment rights; ask the broker to show which policy clauses, if any, address each loss. 1,2,3

What Is Crime?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. Read the national Crime guide.

What to Watch for in Kansas

  • Include payment vendors in the check map

    Kansas Statutes Annotated § 84-3-405 includes a retained independent contractor and the contractor’s employee in its definition of employee for a defined fraudulent-endorsement rule. Authority to process, prepare, or control instruments can matter; mere access to stored or mailed forms is treated differently. Ask whether your employee-dishonesty quote covers the people who actually handle receivables and disbursements. 1

  • Set an owner for statement review

    Section 84-4-406 calls for reasonable promptness in checking available statements or items and prompt notice to the bank after discovering an unauthorized signature or alteration. For later items by the same wrongdoer, the bank may have a defense after a reasonable review period of no more than 30 days; the statute also has an outside one-year period. Keep these bank deadlines separate from policy notice conditions. 2

  • Read the bank’s wire terms before renewal

    Kansas Article 4A addresses when a payment order may be treated as effective under a bank-customer security procedure and requires attention to commercial reasonableness and the bank’s compliance with agreed instructions. Review your signed bank procedure and ask whether an employee’s payment after a spoofed email is addressed by a separate social-engineering grant, sublimit, or verification condition. 3,4

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. 5,6,10,7

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. 8,9

Providers With Documented State Licenses

These providers publish a national listing for Crime; 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 the product is available in Kansas. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

  • CoalitionCoalition Insurance Solutions, Inc.Insurance producer, Surplus-lines broker · checked 2026-09-28Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only. 12
  • CorgiCorgi Insurance Services, Inc.Insurance producer · checked 2026-09-28Corgi’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. 13
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 17

Questions to Ask Before You Buy in Kansas

  1. How does the quote define employee when a Kansas business uses an outside bookkeeper, payment processor, or contractor?
  2. Which policy clauses address forged checks, employee dishonesty, an unauthorized wire, and a wire deliberately sent after a spoofed instruction?
  3. What wire-verification procedure is in our bank agreement, and does it include a callback to a number already on file?
  4. Who reviews each account’s statements, and which policy-specific reporting instructions apply after suspected theft?

Crime in Kansas: FAQ

Does Kansas’s employee-endorsement rule require a crime policy to cover contractor theft? 1

No. Section 84-3-405 is a commercial-law rule about certain negotiable-instrument losses. It does not decide whether an insurance policy covers a contractor’s conduct. 1

Does a bank’s wire-verification procedure decide whether insurance covers a spoofed payment? 3

No. Kansas Article 4A addresses rights and duties around payment orders between bank customers and banks. The insurance policy’s definitions, grants, exclusions, limits, and conditions are a separate question. 3

Crime in Other States

Other Coverage in Kansas

Sources

  1. Kansas Statutes, K.S.A. 84-3-405. Kansas Revisor of Statutes; 2026 Kansas Statutes, § 84-3-405(a)–(c), employee, responsibility, and employer’s responsibility for fraudulent endorsement; accessed in the live 2025–2026 codification. Accessed 2026-09-28.
  2. Kansas Statutes, K.S.A. 84-4-406. Kansas Revisor of Statutes; 2026 Kansas Statutes, § 84-4-406(a)–(f), statement/item access, customer review, repeated-wrongdoer rule, and one-year period. Accessed 2026-09-28.
  3. Kansas Statutes, K.S.A. 84-4a-202. Kansas Revisor of Statutes; 2026 Kansas Statutes, Article 4a, § 84-4a-202, authorized and verified payment orders; read with §§ 84-4a-201 and 84-4a-203. Accessed 2026-09-28.
  4. Business Email Compromise. Federal Bureau of Investigation; How BEC scams work; steps after a BEC incident, including immediate financial-institution contact and IC3 reporting. Accessed 2026-09-28.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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 .

This guide is informational and does not determine whether a policy is available or meets your needs. Editorial policy. To suggest a correction, contact Spot with a supporting source.

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