Get Started

Garage Liability Insurance in Kansas

Kansas requires a continuous dealer liability policy in the licensee’s name for dealer-owned or sale vehicles operated by the dealer, staff, or prospective customers; the limits follow Kansas’s current $25,000/$50,000/$25,000 motor-vehicle floor. The ordinary motor vehicle policy statute excludes property owned by, rented to, or in the charge of an insured, so ask separately how customer cars in a shop are addressed. 1,2

What Is Garage Liability?

Garage liability can address injury and property-damage claims from auto repair and related garage operations. If you run a repair or service shop, check separately whether customer cars in your care need garagekeepers coverage for vehicle damage. Read the national Garage liability guide.

Kansas Requirements

RequirementDetails
Dealer liability policyAt least $25,000 one person / $50,000 two or more people / $25,000 property damage 1,2

What to Watch for in Kansas

  • List Dealer-Vehicle Drivers and Uses

    Kansas §8-2405 specifically addresses dealer-owned or sale vehicles operated by owners, agents, employees, prospective customers, or others. Give the broker your demonstrators, inventory transfers, staff drivers, and customer test-drive controls rather than treating this as blanket repair-shop insurance. 1

  • Separate Customer Cars in Your Care

    Kansas §40-3107 excludes damage to property owned by, rented to, or in the charge of an insured from the motor-vehicle policy terms it specifies. Ask whether the quote separately addresses customer vehicles while held, repaired, parked, or moved; do not infer that the dealer policy covers them. 2,1

  • Keep the Named Dealer Policy Active

    The dealer policy must be issued in the license applicant or holder’s name and remain continuous. For an authorized insurer, the statute requires 30 days’ written cancellation notice to the director; the dealer license becomes void when a required policy is canceled. 1

  • Use the Current Dealer Rule

    Kansas amended §8-2405 in 2025, effective July 1, 2025, including authorization for eligible nonadmitted insurers. When renewing, confirm the carrier is admitted or eligible and that the limits track current §40-3107 rather than an older certificate. 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

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

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 and confirm availability with a provider when requesting a quote.

Questions to Ask Before You Buy in Kansas

  1. Does our Kansas policy meet the current $25,000/$50,000/$25,000 floor and name the correct dealer-license holder?
  2. How does the quote address demonstrators, prospective-customer test drives, staff use, and inventory movement?
  3. What separate terms address customer vehicles in our care, including vehicles we repair, park, tow, or move?

Garage Liability in Kansas: FAQ

Does Kansas require liability insurance for a vehicle dealer license? 1,2

Yes. K.S.A. 8-2405 requires a continuous policy in the applicant’s or holder’s name for specified operations of dealer-owned or sale vehicles. The statutory limits track Kansas’s minimum amounts under §40-3107. 1,2

What are Kansas’s current minimum auto liability limits? 2

K.S.A. 40-3107 sets $25,000 for one person, $50,000 for two or more people in one accident, and $25,000 for property damage. 2

Does Kansas’s required auto liability automatically cover customer vehicles in a repair shop? 2

No such coverage follows from the statutes cited here. Kansas’s motor-vehicle policy law excludes property in the insured’s charge; ask the broker how your actual contract treats customer cars. 2

Garage Liability in Other States

Other Coverage in Kansas

Sources

  1. K.S.A. 8-2405, Insurance required of dealers. Kansas Office of Revisor of Statutes; Dealer policy scope, continuity, named licensee, cancellation notice; 2025 amendment effective July 1, 2025. Accessed 2026-09-28.
  2. K.S.A. 40-3107, Motor vehicle liability insurance policies; required contents; exclusions of coverage. Kansas Office of Revisor of Statutes; §40-3107(b), (e), (h)(2); current minimum limits and insured-property exclusion. 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.

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.

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot