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Generative AI Liability Insurance in Kansas

Kansas SB 186 amended crimes involving child sexual exploitation and breach of privacy to reach specified generated or digitally altered images, including depictions of identifiable children who were not involved in making the source image. Kansas’s separate Consumer Protection Act also prohibits knowing material misrepresentations about a service in a consumer transaction, a relevant review for claims about a generative AI product’s capabilities or approval. 1,2,3

What Is Generative AI Liability?

Generative AI liability can help pay covered defense costs and losses when someone claims your AI use caused harm, including infringement or data disclosure. If you use or sell AI outputs, check how the policy fits your role and existing liability coverage. Read the national Generative AI liability guide.

What to Watch for in Kansas

  • Kansas reaches images without an actual child source

    SB 186 covers specified depictions that appear to show an identifiable child even when no child was involved in creating the image, as well as certain images morphed from a real child’s image. Product teams should treat synthetic child-sexual imagery controls as a distinct exposure from a user’s likeness rights. 1

  • Kansas breach of privacy has enumerated elements

    K.S.A. 21-6101 requires knowing conduct without lawful authority and lists the covered forms of privacy invasion, including specified camera use and dissemination of images of an identifiable person in a state of nudity. It is not a general ban on every generated depiction; assess the exact creation or disclosure pathway and statutory exceptions. 2

  • Kansas criminal exposure follows the actor’s conduct

    The Kansas amendments add generated-image language to particular child exploitation and privacy offenses. A business distributing a generation tool should document prompt safeguards, reporting routes, and response controls because the cited statutes target conduct and depictions, rather than imposing a universal model certification or numeric insurance limit. 1,2

  • Kansas also bars specified deceptive service claims

    K.S.A. 50-626 prohibits a supplier from engaging in a deceptive act in connection with a consumer transaction, including knowing representations that services have characteristics, benefits, or approval they do not have. Review claims about model accuracy, human review, or authorization against actual product behavior and evidence. 3

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

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

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. Can the system generate, transform, or distribute sexual depictions of identifiable minors, including where no real child was used?
  2. Which Kansas statutory offense could match the actual user or operator conduct, and what controls prevent unauthorized image creation or disclosure?
  3. Does the policy address investigation, defense, and response costs tied to criminal allegations and privacy claims?

Generative AI Liability in Kansas: FAQ

Does Kansas require an actual child to appear in a prohibited image? 1

No. SB 186 covers specified generated or altered depictions appearing to portray an identifiable child even where that child was not involved in creating the original image. 1

Does Kansas impose one general liability rule for all AI outputs? 1,2

The cited statutes address defined child-exploitation and privacy offenses; they do not create a general liability standard for every AI-generated output. 1,2

Generative AI Liability in Other States

Other Coverage in Kansas

Sources

  1. Senate Bill 186, enrolled text and status. Kansas Legislature; Enrolled legislation amending K.S.A. 21-5510 and 21-6101; generated and altered child depictions. Accessed 2026-09-29.
  2. Kansas Statutes, Chapter 21, Article 61. Kansas Legislature; K.S.A. 21-6101, breach of privacy; enumerated acts and elements. Accessed 2026-09-29.
  3. Kansas Statutes § 50-626: Deceptive acts and practices. Kansas Legislature; Kansas Consumer Protection Act; knowing representations about services, their characteristics, benefits, sponsorship, or approval in a consumer transaction. Accessed 2026-09-29.
  4. 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.
  5. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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. 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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