--- title: "Fidelity Coverage for Kansas State Credit Unions" description: "Kansas puts adequate fidelity and other insurance coverage in the state credit union board’s hands without setting a dollar minimum in this statute." canonical: "https://spot.insure/coverage/fidelity-bonds/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/fidelity-bonds/kansas) # Fidelity Coverage for Kansas State Credit Unions Kansas law assigns the board of a state credit union responsibility to authorize adequate fidelity and insurance coverage for officers, directors, committee members and employees, plus losses caused by outside persons for which the credit union may be liable. The statute does not set a fixed fidelity amount, so the board needs an institution-specific rationale rather than borrowing another state’s schedule.[^1][^2] **Coverage:** [Fidelity bonds](/coverage/fidelity-bonds) · [Kansas](/coverage/states/kansas) ## What Is Fidelity Bonds? Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. [Read the national Fidelity bonds guide](/coverage/fidelity-bonds). ## Kansas Requirements | Requirement | Details | | --- | --- | | Board authorization | The state credit union board must authorize adequate fidelity and insurance coverage for officers, directors, committee members and employees and for covered losses caused by outsiders.[^1] | | No statutory dollar schedule here | K.S.A. 17-2209(b)(4) uses an adequacy standard and does not itself state a minimum dollar limit.[^1] | ## What to Watch for in Kansas ### Keep the board’s adequacy decision tied to actual exposures Kansas uses an adequacy standard rather than a fixed limit in §17-2209(b)(4). Document officers and staff with access to money or securities, payment controls, transaction volume and plausible loss size so the board can explain its chosen amount at renewal.[^1] ### Do not collapse outside losses into employee fidelity The statute separately names coverage for losses caused by persons outside the credit union for which it may be liable. Ask whether the quote addresses those external actors and how that protection differs from employee or official dishonesty.[^1] ### Do not apply the board duty to ordinary businesses The provision is in the Kansas Credit Union Code and assigns the obligation to a credit union board. It does not impose a general fidelity insurance mandate on Kansas employers or determine what a policy covers.[^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.[^3][^4][^8][^5] - [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.[^6][^7] ## Providers With Documented State Licenses These providers publish a national listing for Fidelity bonds; 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. - [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.[^14] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’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.[^15] ## Questions to Ask Before You Buy in Kansas 1. Is the organization a Kansas state credit union within Chapter 17, Article 22? 2. What amount and covered-person class did the board authorize, and what facts support adequacy? 3. How does the proposal address outsider-caused losses separately from insider dishonesty? ## Fidelity Bonds in Kansas: FAQ ### Does Kansas set a minimum fidelity-bond amount here? K.S.A. 17-2209(b)(4) requires the board to authorize adequate coverage but states no dollar schedule in that subsection.[^1] ### Does a credit-union employee fidelity bond guarantee a business contract? No. Fidelity coverage addresses specified dishonest conduct; a surety bond generally guarantees a separate obligation to an obligee. Check the actual contract and policy form for the protection needed.[^1][^2] ## Fidelity Bonds in Other States - [Alabama](/coverage/fidelity-bonds/alabama) - [Alaska](/coverage/fidelity-bonds/alaska) - [Arizona](/coverage/fidelity-bonds/arizona) - [Arkansas](/coverage/fidelity-bonds/arkansas) - [California](/coverage/fidelity-bonds/california) - [Colorado](/coverage/fidelity-bonds/colorado) - [Connecticut](/coverage/fidelity-bonds/connecticut) - [Delaware](/coverage/fidelity-bonds/delaware) - [District of Columbia](/coverage/fidelity-bonds/district-of-columbia) - [Florida](/coverage/fidelity-bonds/florida) - [Georgia](/coverage/fidelity-bonds/georgia) - [Hawaii](/coverage/fidelity-bonds/hawaii) - [Idaho](/coverage/fidelity-bonds/idaho) - [Illinois](/coverage/fidelity-bonds/illinois) - [Indiana](/coverage/fidelity-bonds/indiana) - [Iowa](/coverage/fidelity-bonds/iowa) - [Kentucky](/coverage/fidelity-bonds/kentucky) - [Louisiana](/coverage/fidelity-bonds/louisiana) - [Maine](/coverage/fidelity-bonds/maine) - [Maryland](/coverage/fidelity-bonds/maryland) - [Massachusetts](/coverage/fidelity-bonds/massachusetts) - [Michigan](/coverage/fidelity-bonds/michigan) - [Minnesota](/coverage/fidelity-bonds/minnesota) - [Mississippi](/coverage/fidelity-bonds/mississippi) - [Missouri](/coverage/fidelity-bonds/missouri) - [Montana](/coverage/fidelity-bonds/montana) - [Nebraska](/coverage/fidelity-bonds/nebraska) - [Nevada](/coverage/fidelity-bonds/nevada) - [New Hampshire](/coverage/fidelity-bonds/new-hampshire) - [New Jersey](/coverage/fidelity-bonds/new-jersey) - [New Mexico](/coverage/fidelity-bonds/new-mexico) - [New York](/coverage/fidelity-bonds/new-york) - [North Carolina](/coverage/fidelity-bonds/north-carolina) - [North Dakota](/coverage/fidelity-bonds/north-dakota) - [Ohio](/coverage/fidelity-bonds/ohio) - [Oklahoma](/coverage/fidelity-bonds/oklahoma) - [Oregon](/coverage/fidelity-bonds/oregon) - [Pennsylvania](/coverage/fidelity-bonds/pennsylvania) - [Rhode Island](/coverage/fidelity-bonds/rhode-island) - [South Carolina](/coverage/fidelity-bonds/south-carolina) - [South Dakota](/coverage/fidelity-bonds/south-dakota) - [Tennessee](/coverage/fidelity-bonds/tennessee) - [Texas](/coverage/fidelity-bonds/texas) - [Utah](/coverage/fidelity-bonds/utah) - [Vermont](/coverage/fidelity-bonds/vermont) - [Virginia](/coverage/fidelity-bonds/virginia) - [Washington](/coverage/fidelity-bonds/washington) - [West Virginia](/coverage/fidelity-bonds/west-virginia) - [Wisconsin](/coverage/fidelity-bonds/wisconsin) - [Wyoming](/coverage/fidelity-bonds/wyoming) [Other Coverage in Kansas](/coverage/states/kansas) ## Sources [^1]: [K.S.A. 17-2209(b)(4), Board duties](https://www.ksrevisor.gov/statutes/chapters/ch17/017_022_0009.html) — Kansas Office of Revisor of Statutes; Subsection (b)(4); official 2026 statutes page text read Sept. 28, 2026.. Accessed 2026-09-28. [^2]: [K.S.A. 17-2201, Kansas Credit Union Code definitions](https://www.ksrevisor.gov/statutes/chapters/ch17/017_022_0001.html) — Kansas Office of Revisor of Statutes; Chapter 17, Article 22; statutory scope and definitions, accessed Sept. 28, 2026.. Accessed 2026-09-28. [^3]: [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. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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/fidelity-bonds/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)