--- title: "Kansas digital-asset kiosk insurance questions" description: "Kansas’s 2026 kiosk protections affect the operator’s transaction timing, refund process and who holds assets during a required pause." canonical: "https://spot.insure/coverage/digital-assets/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/digital-assets/kansas) # Kansas digital-asset kiosk insurance questions Kansas’s 2026 kiosk law imposes a 72-hour hold and other consumer protections for defined transactions at virtual-currency kiosks. A kiosk operator, retail host and wallet custodian should identify which entity controls the transaction and assets during that period; the statutory hold is not insurance.[^1][^2] **Coverage:** [Digital assets](/coverage/digital-assets) · [Kansas](/coverage/states/kansas) ## What Is Digital Assets? Digital-asset coverage may address custody, theft and business-liability risks, but a custodian’s policy may protect the custodian rather than you. If you hold or safeguard assets, verify the insured entity, wallets, key-loss protection and valuation. [Read the national Digital assets guide](/coverage/digital-assets). ## Kansas Requirements | Requirement | Details | | --- | --- | | Map the 72-hour transaction hold | For covered kiosk transactions within the statutory period after a customer’s initial transaction, the law requires a 72-hour hold and sets related limits and refund rules. Confirm the exact transaction and customer conditions in the current statute before designing procedures.[^1] | | Separate operator from kiosk host | Document the licensed operator, physical retail host, transaction service provider and wallet custodian. The enacted law regulates virtual-currency kiosk activity; an unrelated property host should not assume the operator’s duties or insurance.[^1][^2] | ## What to Watch for in Kansas ### Refund rules are conditional The law distinguishes new and existing customers and includes conditions around refund requests, suspected fraud and reporting. Do not advertise a blanket refund right without checking the operative subsection.[^1] ### Use the enacted effective date The 2026 act took effect July 1, 2026. Older summaries may predate the new kiosk requirements.[^2][^1] ### A hold is a transaction safeguard The statutory hold does not establish that theft, fraud, employee misuse, key loss or refund expense is insured. Read the actual policy and identify who is insured while assets are held.[^1][^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] - [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.[^8][^9] ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://sbs.naic.org/solar-external-lookup/) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Kansas 1. Who legally operates the kiosk and controls digital assets during the 72-hour hold: your company, a kiosk vendor or a separate custodian? 2. Does your agreement allocate responsibility for customer cancellation, scam reports and the release of held assets? 3. Does the proposed policy identify each operator and wallet, and does it address the specific loss event and valuation method? 4. What procedure prevents staff or vendors from releasing assets before the required hold expires, and who pays if the control fails? ## Digital Assets in Kansas: FAQ ### Does Kansas’s kiosk hold require a digital-asset insurance policy? The cited act sets kiosk transaction requirements, including a conditional 72-hour hold. It does not itself establish an insurance requirement or a policy’s response.[^1][^2] ### Do the kiosk rules automatically apply to a Kansas company wallet? The enacted provisions address virtual-currency kiosk operators and kiosk transactions. A business treasury wallet unrelated to kiosk operations raises different questions.[^1] ## Digital Assets in Other States - [Alabama](/coverage/digital-assets/alabama) - [Alaska](/coverage/digital-assets/alaska) - [Arizona](/coverage/digital-assets/arizona) - [Arkansas](/coverage/digital-assets/arkansas) - [California](/coverage/digital-assets/california) - [Colorado](/coverage/digital-assets/colorado) - [Connecticut](/coverage/digital-assets/connecticut) - [Delaware](/coverage/digital-assets/delaware) - [District of Columbia](/coverage/digital-assets/district-of-columbia) - [Florida](/coverage/digital-assets/florida) - [Georgia](/coverage/digital-assets/georgia) - [Hawaii](/coverage/digital-assets/hawaii) - [Idaho](/coverage/digital-assets/idaho) - [Illinois](/coverage/digital-assets/illinois) - [Indiana](/coverage/digital-assets/indiana) - [Iowa](/coverage/digital-assets/iowa) - [Kentucky](/coverage/digital-assets/kentucky) - [Louisiana](/coverage/digital-assets/louisiana) - [Maine](/coverage/digital-assets/maine) - [Maryland](/coverage/digital-assets/maryland) - [Massachusetts](/coverage/digital-assets/massachusetts) - [Michigan](/coverage/digital-assets/michigan) - [Minnesota](/coverage/digital-assets/minnesota) - [Mississippi](/coverage/digital-assets/mississippi) - [Missouri](/coverage/digital-assets/missouri) - [Montana](/coverage/digital-assets/montana) - [Nebraska](/coverage/digital-assets/nebraska) - [Nevada](/coverage/digital-assets/nevada) - [New Hampshire](/coverage/digital-assets/new-hampshire) - [New Jersey](/coverage/digital-assets/new-jersey) - [New Mexico](/coverage/digital-assets/new-mexico) - [New York](/coverage/digital-assets/new-york) - [North Carolina](/coverage/digital-assets/north-carolina) - [North Dakota](/coverage/digital-assets/north-dakota) - [Ohio](/coverage/digital-assets/ohio) - [Oklahoma](/coverage/digital-assets/oklahoma) - [Oregon](/coverage/digital-assets/oregon) - [Pennsylvania](/coverage/digital-assets/pennsylvania) - [Rhode Island](/coverage/digital-assets/rhode-island) - [South Carolina](/coverage/digital-assets/south-carolina) - [South Dakota](/coverage/digital-assets/south-dakota) - [Tennessee](/coverage/digital-assets/tennessee) - [Texas](/coverage/digital-assets/texas) - [Utah](/coverage/digital-assets/utah) - [Vermont](/coverage/digital-assets/vermont) - [Virginia](/coverage/digital-assets/virginia) - [Washington](/coverage/digital-assets/washington) - [West Virginia](/coverage/digital-assets/west-virginia) - [Wisconsin](/coverage/digital-assets/wisconsin) - [Wyoming](/coverage/digital-assets/wyoming) [Other Coverage in Kansas](/coverage/states/kansas) ## Sources [^1]: [House Bill 2591, enrolled](https://kslegislature.gov/b2025_26/bills/download/?apn=b2025_26%2Fyear2%2Fready_for_publication%2Fhb_2591%2Fhb2591_enrolled.pdf) — Kansas Legislature; 2026 enacted bill, new §§6–11; kiosk scope, conditional 72-hour hold and refund provisions; §§6–11 effective July 1, 2026. Accessed 2026-09-28. [^2]: [House Bill 2591 bill status](https://kslegislature.gov/b2025_26/bills/HB2591/) — Kansas Legislature; 2026 bill page; enactment/signature history and virtual-currency kiosk provisions, effective July 1, 2026. Accessed 2026-09-28. [^3]: [Insurance](https://www.bitgo.com/solutions/insurance/) — BitGo; Current page: custody and key-control description; direct-insured entity and location/entity eligibility qualifiers. Accessed 2026-09-28. [^4]: [Performance Management — Supplemental Requirements & Guidance](https://assets.lloyds.com/media/70173180-5d36-4eb1-b7fd-f2cec93863a9/Performance-Management-Supplemental-Requirements-and-Guidance.pdf) — Lloyd’s; January 2020, pp.44–46: historic underwriting considerations for key security, hot/cold storage, code/network risk, insured identity and valuation; historical market guidance only. Accessed 2026-09-28. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/digital-assets/kansas.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)