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Kansas Hired and Non-Owned Auto Coverage

Kansas requires an owner to provide liability insurance for each owned motor vehicle unless an exception applies, and bars an owner from permitting operation of an uninsured vehicle on a public way. A motor vehicle liability policy issued or renewed to a Kansas-resident owner must identify the vehicles it covers and insure a person using a covered vehicle with the named insured’s express or implied consent. But Kansas law permits certain exclusions, including for rented vehicles and automobile-business use, and allows exclusions concerning employee injury, contractual liability, and property in an insured’s care. The statutory owner-policy rules do not guarantee protection under an employer’s separate HNOA form. 2,1

What Is Hired And Non-Owned Auto?

Hired and non-owned auto (HNOA) liability protects the business when rented cars or employees’ own cars are used for work. It does not pay for damage to those vehicles, and it is not a substitute for commercial auto on vehicles the business owns. Read the national Hired and non-owned auto guide.

Kansas Requirements

RequirementDetails
A Kansas owner must insure each vehicle or meet an exceptionK.S.A. 40-3104 generally requires an owner to provide liability insurance for each owned motor vehicle and prohibits allowing an uninsured vehicle to be operated on a public way. Kansas law recognizes limited exceptions, including approved self-insurance and statutorily exempt vehicles. 2

What to Watch for in Kansas

  • Permissive-use protection is tied to described vehicles

    For policies issued or renewed to a Kansas-resident owner, K.S.A. 40-3107 requires the policy to designate the vehicles covered and insure the named insured and other people using a described vehicle with express or implied consent. Permission to drive an employee’s or borrowed car does not by itself show that the vehicle is covered under the employer’s policy. 1

  • Kansas allows rental and auto-business exclusions

    K.S.A. 40-3107 allows an insurer to exclude required coverages while an insured vehicle is rented to others or used by a person engaged in the automobile business, subject to the statute’s stated exceptions for certain insureds and their agents, employers, employees, or partners. Check who owns the car, how it is being used, and which policy contains the exclusion before a rental or shop-loaner trip. 1

  • Some work-related liabilities can be excluded

    Kansas law permits exclusions for workers’ compensation obligations, certain employee bodily-injury and indemnity liabilities, liability assumed by contract, and damage to property owned by or in an insured’s care. Those permissions describe statutory policy requirements, not the terms of every policy. Ask the broker to review the actual exclusions and any rental agreement indemnity clause. 1

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

These providers publish a national listing for Hired and non-owned auto; 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.

  • 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. 11

Questions to Ask Before You Buy in Kansas

  1. Is the work vehicle specifically described or otherwise included under the owner’s policy, and who gave express or implied permission?
  2. Does the vehicle count as rented to another or as being used by someone engaged in the automobile business under the policy’s exclusions?
  3. Do employee-injury, contractual-liability, or property-in-care exclusions affect the claim, and what does the employer’s HNOA policy separately say?

Hired And Non-Owned Auto in Kansas: FAQ

Does Kansas require an owner’s policy to cover a permissive driver? 1

K.S.A. 40-3107 requires a motor vehicle liability policy issued or renewed to a Kansas-resident owner to identify the covered vehicles and insure the named insured and other people using those vehicles with express or implied consent, subject to policy limits and statutory exclusions. 1

Does the Kansas permissive-use rule guarantee coverage for a rental car? 1,2

No. The statute applies to described vehicles and expressly permits certain rental and automobile-business exclusions, with defined exceptions. The owner’s legal responsibility and the insurer’s policy response are separate questions; check the rental agreement and both written policies. 1,2

Hired And Non-Owned Auto in Other States

Other Coverage in Kansas

Sources

  1. K.S.A. 40-3107: Motor Vehicle Liability Insurance Policies. Kansas Legislature / Revisor of Statutes; 2026 Kansas Statutes, § 40-3107(a)–(i): covered vehicles, express/implied consent, mandatory PIP, permitted rental/business-use exclusions and employee/property exclusions. Accessed 2026-09-28.
  2. K.S.A. 40-3104: Motor Vehicle Liability Insurance Coverage Required. Kansas Legislature / Revisor of Statutes; 2026 Kansas Statutes, § 40-3104(a)–(c), (i): owner liability coverage for each owned vehicle, owner may not permit uninsured operation, operator policy exception after accident. 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.

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