--- title: "Kidnap and Ransom Insurance in Kansas" description: "Kansas buyers can distinguish the conditional commercial-purchaser search waiver from the required surplus-lines warning on the policy." canonical: "https://spot.insure/coverage/kidnap-ransom/kansas" page-type: "coverage-state-guide" updated-at: "2026-09-28" coverage-line: "kidnap-ransom" state: "kansas" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/kidnap-ransom/kansas) ## Agent Guide **What this page is:** Kidnap Ransom guide for Kansas: state requirements, regulator, surplus-lines tax, and providers with state license records. **Use this page when:** Answering kidnap ransom questions specific to Kansas. For the general concept, use /coverage/kidnap-ransom; for other coverage in Kansas, use /coverage/states/kansas. **Questions this page answers:** - Do I need kidnap ransom in Kansas? - What are Kansas's kidnap ransom requirements? - Who regulates insurance in Kansas? - Which providers hold Kansas licenses for kidnap ransom? **Key facts:** - State regulator: Kansas Insurance Department. - Reported surplus-lines tax rate: 3% - 1 provider listed with Kansas license records. **Limits (do not over-claim):** - State information reflects the cited sources at their access dates; confirm current requirements with the state regulator. - A provider's presence in the license list does not confirm the product is available in this state; absence does not mean unlicensed. Verify with the regulator's license lookup. - Some license records rely on company-reported information rather than independent regulator verification. - Informational only; does not determine whether a policy meets a specific business's needs. **Provenance:** 16 numbered sources with access dates; updated 2026-09-28. **Related pages:** - [Kidnap Ransom (national guide)](https://spot.insure/coverage/kidnap-ransom) — national concept guide - [Business insurance in Kansas](https://spot.insure/coverage/states/kansas) — state hub: regulator and other coverage - [Business insurance by state](https://spot.insure/coverage/states) — all states - [Corgi](https://spot.insure/insurance-providers/corgi) — provider with state license record # What Kidnap and Ransom Insurance Requirements Apply in Kansas? Kansas requires written consent and a disclosure before a surplus-lines placement, including that the insurer’s financial condition and policy forms are not reviewed by the Commissioner and no guaranty fund applies. A qualifying exempt commercial purchaser can avoid the signed admitted-search statement only after the required disclosure and a later written request.[^2][^1][^3] **Coverage:** [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) · [Kansas](https://spot.insure/coverage/states/kansas) ## What Is Kidnap and Ransom Insurance? Kidnap and ransom insurance provides financial protection for specified kidnapping and extortion events and gives the business access to a crisis-response firm. Check who is insured, which events are named, and how territory and sanctions terms apply to your actual travel. [Read the national Kidnap and ransom guide](https://spot.insure/coverage/kidnap-ransom). ## What Should You Watch for With Kidnap and Ransom Insurance in Kansas? ### The Search Waiver Requires Disclosure and a Written Request Kansas’s search-statement exception is limited to an exempt commercial purchaser: a commercial buyer must retain a qualified risk manager, have paid more than $100,000 in aggregate nationwide commercial P&C premiums in the prior 12 months, and meet one listed size or organization criterion. The broker must disclose the admitted-market tradeoff and receive the purchaser’s subsequent written placement request. Ask which named insured meets the test and keep both documents.[^3][^1] ### Read the Kansas Surplus-Lines Stamp Before placement, §40-246b requires written consent and disclosure that the nonadmitted insurer’s financial condition, policy forms, rates, and trade practices are not subject to the Commissioner’s review or jurisdiction, and that no guaranty association protection applies. The policy must carry the statutory stamp; read the actual K&R response triggers, insured persons, territories, and exclusions separately.[^2] ### Ask Which Kansas Eligibility Route Applies Kansas statutes provide an eligible nonadmitted-insurer list and require a surplus-lines license for placement. Ask for the insurer’s legal name and how the broker verified current eligibility before binding.[^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.[^4][^5][^9][^6] - [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 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 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] ## Which Kidnap and Ransom Providers Have Kansas License Records? These providers publish a national listing for Kidnap and ransom; 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 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. - [Corgi](https://spot.insure/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Covers:** Corgi’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.[^12] **Coverage membership:** Corgi lists kidnap and ransom among its specialized business-insurance offerings. ## Questions to Ask Before You Buy Kidnap and Ransom in Kansas 1. Which Kansas statutory ECP criterion does the named insured meet, and where are the disclosure and later written request? 2. Will the policy carry Kansas’s full unauthorized-insurer and no-guaranty-fund stamp? 3. How did you verify the issuing insurer’s current Kansas eligibility? 4. Which people, travel destinations, extortion events, and response expenses appear in the issued wording? ## Kidnap and Ransom Insurance in Kansas: Frequently Asked Questions ### Can a Kansas business skip the admitted search for K&R? Only an exempt commercial purchaser may use Kansas’s exception to the signed search statement, after the broker’s disclosure and the purchaser’s subsequent written request; the purchaser must also meet the statutory ECP criteria.[^1][^3] ### Does Kansas’s guaranty fund protect a surplus-lines K&R policy? No. Kansas requires the policy stamp to state that the insured is not protected by any guaranty fund.[^2] ## Kidnap and Ransom Insurance Guides for Other States - [Alabama](https://spot.insure/coverage/kidnap-ransom/alabama) - [Alaska](https://spot.insure/coverage/kidnap-ransom/alaska) - [Arizona](https://spot.insure/coverage/kidnap-ransom/arizona) - [Arkansas](https://spot.insure/coverage/kidnap-ransom/arkansas) - [California](https://spot.insure/coverage/kidnap-ransom/california) - [Colorado](https://spot.insure/coverage/kidnap-ransom/colorado) - [Connecticut](https://spot.insure/coverage/kidnap-ransom/connecticut) - [Delaware](https://spot.insure/coverage/kidnap-ransom/delaware) - [District of Columbia](https://spot.insure/coverage/kidnap-ransom/district-of-columbia) - [Florida](https://spot.insure/coverage/kidnap-ransom/florida) - [Georgia](https://spot.insure/coverage/kidnap-ransom/georgia) - [Hawaii](https://spot.insure/coverage/kidnap-ransom/hawaii) - [Idaho](https://spot.insure/coverage/kidnap-ransom/idaho) - [Illinois](https://spot.insure/coverage/kidnap-ransom/illinois) - [Indiana](https://spot.insure/coverage/kidnap-ransom/indiana) - [Iowa](https://spot.insure/coverage/kidnap-ransom/iowa) - [Kentucky](https://spot.insure/coverage/kidnap-ransom/kentucky) - [Louisiana](https://spot.insure/coverage/kidnap-ransom/louisiana) - [Maine](https://spot.insure/coverage/kidnap-ransom/maine) - [Maryland](https://spot.insure/coverage/kidnap-ransom/maryland) - [Massachusetts](https://spot.insure/coverage/kidnap-ransom/massachusetts) - [Michigan](https://spot.insure/coverage/kidnap-ransom/michigan) - [Minnesota](https://spot.insure/coverage/kidnap-ransom/minnesota) - [Mississippi](https://spot.insure/coverage/kidnap-ransom/mississippi) - [Missouri](https://spot.insure/coverage/kidnap-ransom/missouri) - [Montana](https://spot.insure/coverage/kidnap-ransom/montana) - [Nebraska](https://spot.insure/coverage/kidnap-ransom/nebraska) - [Nevada](https://spot.insure/coverage/kidnap-ransom/nevada) - [New Hampshire](https://spot.insure/coverage/kidnap-ransom/new-hampshire) - [New Jersey](https://spot.insure/coverage/kidnap-ransom/new-jersey) - [New Mexico](https://spot.insure/coverage/kidnap-ransom/new-mexico) - [New York](https://spot.insure/coverage/kidnap-ransom/new-york) - [North Carolina](https://spot.insure/coverage/kidnap-ransom/north-carolina) - [North Dakota](https://spot.insure/coverage/kidnap-ransom/north-dakota) - [Ohio](https://spot.insure/coverage/kidnap-ransom/ohio) - [Oklahoma](https://spot.insure/coverage/kidnap-ransom/oklahoma) - [Oregon](https://spot.insure/coverage/kidnap-ransom/oregon) - [Pennsylvania](https://spot.insure/coverage/kidnap-ransom/pennsylvania) - [Rhode Island](https://spot.insure/coverage/kidnap-ransom/rhode-island) - [South Carolina](https://spot.insure/coverage/kidnap-ransom/south-carolina) - [South Dakota](https://spot.insure/coverage/kidnap-ransom/south-dakota) - [Tennessee](https://spot.insure/coverage/kidnap-ransom/tennessee) - [Texas](https://spot.insure/coverage/kidnap-ransom/texas) - [Utah](https://spot.insure/coverage/kidnap-ransom/utah) - [Vermont](https://spot.insure/coverage/kidnap-ransom/vermont) - [Virginia](https://spot.insure/coverage/kidnap-ransom/virginia) - [Washington](https://spot.insure/coverage/kidnap-ransom/washington) - [West Virginia](https://spot.insure/coverage/kidnap-ransom/west-virginia) - [Wisconsin](https://spot.insure/coverage/kidnap-ransom/wisconsin) - [Wyoming](https://spot.insure/coverage/kidnap-ransom/wyoming) [Other Coverage in Kansas](https://spot.insure/coverage/states/kansas) ## Sources for Kidnap and Ransom Insurance in Kansas [^1]: [K.S.A. 40-246g, Surplus Lines Producer; Exempt Commercial Purchaser](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, subsection (a): exempt commercial purchaser disclosure and subsequent written request exception to §40-246b signed statement. Accessed 2026-09-28. [^2]: [K.S.A. 40-246b, Excess Coverage License and Policy Notice](https://www.kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_002_0000_article/040_002_0046b_section/040_002_0046b_k/) — Kansas Legislature; 2026 Kansas Statutes, subsections (b)–(d): admitted-search statement, required written consent and disclosures, and policy stamp. Accessed 2026-09-28. [^3]: [K.S.A. 40-246i, Definitions](https://www.kslegislature.gov/b2025_26/laws/040_000_0000_chapter/040_002_0000_article/040_002_0046i_section/040_002_0046i_k/) — Kansas Legislature; 2026 Kansas Statutes, subsection (a): exempt commercial purchaser criteria; subsection (b): home-state definition. Accessed 2026-09-28. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [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. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/kidnap-ransom/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)