What Inland Marine Insurance Requirements Apply in Kansas?

Kansas’s current Insurance Department regulation sets a classification boundary that matters when movable property returns to a plant or building. Unless a specific permission applies, the marine/inland-marine/transportation class does not insure stored merchandise, a manufacturer’s own goods during on-premises production, building fixtures or improvements, or stored cash and securities (cash is excepted while in transit). Separate regulation 40-3-24 identifies certain floater classes—such as cameras, musical instruments and personal property—whose rates commonly use manuals or rating plans. These are line-classification and filing rules, not a promise or denial under your form; ask how the quote addresses stock, work-in-process, installed property and portable tools.

What Is Inland Marine Insurance?

If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. Read the national Tools, equipment and inland marine guide.

What Should You Watch for With Inland Marine Insurance in Kansas?

Keep plant stock and mobile equipment in separate schedules
Kansas regulation 40-3-22 generally excludes stored merchandise and the manufacturer’s goods while being made on the manufacturer’s own premises from the marine/inland-marine/transportation class, subject to specified permissions. Ask the insurer which policy covers finished stock, work-in-process and the tools or machines that move around the plant. ¹
Name fixtures and improvements before installation
The rule also excludes furniture, fixtures and building improvements from this line unless the rule permits the risk. For an installation job, distinguish the item during delivery, while being installed, after attachment and after customer acceptance; ask which builder’s-risk, property or installation form applies to each phase. ¹
A listed floater class is not a coverage schedule
Kansas regulation 40-3-24 names cameras, musical instruments, personal effects and other classes as customarily written using manual rates or rating plans. That classification does not insure an item. Have the quote list each business item and tell you the limit, valuation and locations under the actual contract. ²

Which Inland Marine Insurance Providers Have Kansas License Records?

These providers publish a national listing for Tools, equipment and inland marine; the license records below name the licensed entities and roles. 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.

TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
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
TechInsurance arranges inland marine coverage for contractors’ tools and equipment.

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

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 785-296-3071

Surplus-Lines Tax and Stamping Office in Kansas

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 ^6,⁷

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.

What Should You Ask Before Buying Inland Marine Insurance in Kansas?

Which policy covers stock in storage and goods while being manufactured at my own premises?
When materials are delivered for installation, which form covers them before, during and after they are attached?
Are portable tools and cameras scheduled individually or covered by a shared sublimit?
What rule, policy form and endorsement does the insurer rely on for the property classification in this quote?

Inland Marine Insurance in Kansas: Frequently Asked Questions

Does Kansas’s regulation mean my stored inventory can never be insured?

No. The regulation sets default limits on what may be classified under the marine, inland-marine and transportation line and includes specified permissions. It does not decide whether another property form or a permitted policy covers the inventory. ¹

Does a listed Kansas floater class mean my camera or musical instrument is covered?

No. Regulation 40-3-24 identifies classes associated with manual rates or rating plans. The policy must still describe the insured property and set the applicable terms and limits. ²

Sources for Inland Marine Insurance in Kansas

1
K.A.R. 40-3-22: Marine, Inland Marine, and Transportation Insurance. Kansas Insurance Department; Subsections (a)–(c), including default classification exclusions and express exceptions; regulation appears in current Department adopted-regulations list checked 2026-09-28; amendment history through March 17, 2006. Accessed 2026-09-28.
2
K.A.R. 40-3-24: Inland Marine Rules, Rates, and Rating Plans. Kansas Insurance Department; Subsections (a)–(b); custom/manual-rate classes and qualification that rates required for filing under K.A.R. 40-1-19 are outside this regulation; amendment history through September 16, 2005. 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.

What Inland Marine Insurance Requirements Apply in Kansas?

What Is Inland Marine Insurance?

What Should You Watch for With Inland Marine Insurance in Kansas?

Keep plant stock and mobile equipment in separate schedules

Name fixtures and improvements before installation

A listed floater class is not a coverage schedule