Get Started

Kansas Medical Malpractice Insurance Guide

Kansas requires defined providers to maintain basic malpractice coverage as a condition of active licensure, while the Health Care Stabilization Fund supplies a separately qualified layer. The 2026 code sets the usual basic minimum at $500,000 per claim and $1.5 million annual aggregate for covered classes. Future changes matter: APRNs enter the Act on January 1, 2028, and a pharmacist who independently initiates therapy is subject to the insurance rule from that date. Confirm your class, exceptions, Fund option and actual policy terms. Kansas-licensed naturopathic doctors have a separate Board rule requiring $200,000 per claim/$600,000 aggregate. 2,3,4,5,6,7,8

What Is Medical Malpractice?

Medical malpractice insurance can pay defense costs and covered damages when a patient claims a clinician’s care caused harm. If you provide health care, match the quote to your practice, clinicians, specialties and procedures, then check who is insured. Read the national Medical malpractice guide.

What to Watch for in Kansas

  • Check the statutory class and exception before assuming a mandate

    K.S.A. 40-3401 names specific people, facilities and qualifying business entities, then excludes defined categories; the Fund separately explains that some occupations named in the statute have no present compliance requirement. The 2026 session laws add future coverage duties for advanced practice registered nurses and pharmacists who independently initiate therapy, with different start details. Self-insurers and specified government or charitable practices have separate treatment. Ask the Fund or licensing board to confirm the class and any exception before treating a quote as a license condition. 2,3,1,5,6

  • Separate required basic insurance from the Fund election

    For covered resident providers, §40-3402 generally requires at least $500,000 per claim and $1.5 million annual aggregate in basic coverage, subject to its exceptions. Section 40-3403 separately sets Fund options, including minimum elections of $500,000 per judgment/$1.5 million annual aggregate for the stated option, and caps payment at the amount selected when the incident occurred. Obtain the policy declarations, Fund option and qualification confirmation together; do not describe the Fund as part of one insurance policy. 3,4,1

  • The 2028 APRN and pharmacist rules have different triggers

    The 2026 law adds licensed advanced practice registered nurses to the Act beginning January 1, 2028, gives six months to comply with Fund membership and exempts an APRN from the basic-coverage condition if the initial Fund surcharge exceeds 15%; specified government or charitable practice is excluded. A separate 2026 law makes a pharmacist subject to the insurance rule from January 1, 2028 only if the pharmacist independently initiates therapy under K.S.A. 65-16,131. Check which rule covers the clinician’s actual practice before a 2028 renewal; do not apply the future requirements early or overlook them when they begin. 2,3,5,6

  • Residence, cross-border services and termination notices matter

    Kansas residents in covered classes generally need continuous basic coverage for active licensure; nonresident providers actively working in Kansas also need continuous coverage, with statutory handling for a nonadmitted insurer that files the required form. The Fund FAQ describes different service territory for residents and nonresidents, and §40-3402 directs insurer termination notices to the Fund, licensing agency and insured. Map telehealth and locum work and coordinate notice before changing policies. 3,4,1

  • Naturopathic doctors have a separate licensing minimum

    Kansas requires each licensed naturopathic doctor who renders services in the state to maintain professional-liability insurance. The Board rule sets at least $200,000 per claim and $600,000 annual aggregate, with evidence required before practice and at annual renewal. That separate rule is not the $500,000/$1.5 million HCSF basic minimum, and the 2026 bill that would have changed naturopathic limits and Fund status did not pass final action. Confirm the license-specific rule and current Board filing requirements rather than applying the general HCSF figures. 7,8,9,10

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. 11,12,16,13

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. 14,15

Providers With Documented State Licenses

These providers publish a national listing for Medical malpractice; 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. 19
  • VouchVouch Specialty Insurance Services, LLCInsurance producer, Surplus-lines broker · checked 2026-09-28Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability. 23

Questions to Ask Before You Buy in Kansas

  1. Which K.S.A. 40-3401 class covers each clinician and entity, and which statutory exclusion, self-insurance path or charitable/government exception applies?
  2. Does the policy meet §40-3402’s basic minimum for each covered resident or nonresident provider, and will the insurer send required start and termination notices?
  3. What Fund participation status, surcharge and §40-3403 option apply, and what limit was selected at the incident date?
  4. For APRNs and pharmacists who independently initiate therapy, have the distinct January 1, 2028 rules and any transition exception been addressed?
  5. Does Kansas residency, nonresident work, telehealth or locum practice change the insurance territory or Fund layer?
  6. Is a clinician a Kansas-licensed naturopathic doctor subject to K.A.R. 100-72-6’s separate $200,000/$600,000 insurance and filing requirements, rather than the HCSF provider rule?

Medical Malpractice in Kansas: FAQ

Does the Fund and insurance mandate apply to everyone who provides care in Kansas? 2,3,1

No. K.S.A. 40-3401 uses defined provider and facility classes and excludes stated categories. Fund participation and the active-licensure coverage condition are related but distinct. Confirm the exact license, entity, work setting and exception with the Fund or regulator. 2,3,1

Can a provider count the Fund option as the required basic policy? 3,4

No. The Act separately describes basic professional-liability insurance under §40-3402 and Fund coverage options under §40-3403. Verify both layers and the selected Fund option for the incident date. 3,4

When does the Kansas APRN insurance change begin? 2,3,5

The 2026 act schedules APRNs into the definition beginning January 1, 2028, with six months to comply with Fund membership requirements. It also provides a surcharge-based exception and specified government and charitable-practice exclusions. 2,3,5

Will every Kansas pharmacist have to buy this coverage in 2028? 3,6

The 2026 act applies the insurance rule beginning January 1, 2028 to a pharmacist who independently initiates therapy under K.S.A. 65-16,131. The cited provision does not make every pharmacist subject to that new trigger; confirm whether the pharmacist will perform the specified practice. 3,6

What malpractice minimum applies to a Kansas naturopathic doctor? 7,8,10

Kansas law requires naturopathic doctors to keep professional-liability coverage as a condition of practice. K.A.R. 100-72-6 sets a $200,000 per-claim limit and $600,000 annual aggregate and requires evidence before practice and with annual renewal. HB 2366, which proposed changes, did not pass final action in 2026. 7,8,10

Medical Malpractice in Other States

Other Coverage in Kansas

Sources

  1. General Information: Health Care Stabilization Fund FAQs. Kansas Health Care Stabilization Fund; Provider classes and Fund role; FAQ notes that statutory inclusion does not necessarily mean compliance is required and business-entity participation requires statutory review. Accessed 2026-09-28.
  2. K.S.A. 40-3401: Definitions. Kansas Legislature, 2026 Kansas Statutes; Subsections (f)(1)–(2); defined healthcare-provider classes, exclusions, APRN and maternity-center scope; 2026 codification, accessed Sep. 28, 2026. Accessed 2026-09-28.
  3. K.S.A. 40-3402: Professional liability insurance to be maintained by health care providers. Kansas Legislature, 2026 Kansas Statutes; Subsections (a)–(b), basic insurance minima, resident and nonresident active-practice conditions, exclusions and termination notices; current code text read Sep. 28, 2026. Accessed 2026-09-28.
  4. K.S.A. 40-3403: Health Care Stabilization Fund. Kansas Legislature, 2026 Kansas Statutes; Subsections (f), (l)–(m), Fund options, minimum election amounts and limits selected at incident time; 2026 code. Accessed 2026-09-28.
  5. House Bill 2509, enrolled 2026 session law. Kansas Legislature; Enrolled act §§2–4; APRN statutory class begins Jan. 1, 2028, six-month Fund-membership compliance period and surcharge-over-15% exception; effective after publication in statute book. Accessed 2026-09-28.
  6. House Bill 2068, enrolled 2026 session law. Kansas Legislature; Section 2, K.S.A. 40-3402(f): pharmacist independently initiating therapy under K.S.A. 65-16,131 is subject to insurance requirements beginning Jan. 1, 2028; section 8 effective-date clause. Accessed 2026-09-28.
  7. K.S.A. 65-7217: Professional liability insurance required. Kansas Legislature, 2026 Kansas Statutes; Requires each naturopathic doctor to maintain professional-liability coverage as a condition of rendering services in Kansas; directs the Board to set the minimum by regulation; current statute history through 2004. Accessed 2026-09-28.
  8. K.A.R. 100-72-6: Professional liability insurance. Kansas Secretary of State, 2022 Kansas Administrative Regulations, Book 4; Board of Healing Arts rule: before practice, submit evidence of coverage; minimum $200,000 per claim/$600,000 annual aggregate; evidence with annual registration renewal; rule history shows amendment July 22, 2005. Accessed 2026-09-28.
  9. Doctor of Naturopathic Medicine: Licensure Types/Designations. Kansas State Board of Healing Arts; Active license requires professional-liability insurance in compliance with Kansas law; confirms current licensing relevance of K.S.A. 65-7217. Accessed 2026-09-28.
  10. HB 2366 bill page and status. Kansas Legislature; 2026 bill progress page lists Floor Action; House emergency final-action vote on February 19, 2026 was not passed (58 yea, 58 nay, 9 absent); proposed increase to $1 million/$3 million did not become law. Accessed 2026-09-28.
  11. 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.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  18. 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.
  19. 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.
  20. 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.
  21. 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.
  22. 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.
  23. 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