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Kansas Umbrella and Excess Liability Guide

Kansas is unusual for healthcare buyers: the Health Care Provider Insurance Availability Act requires specified resident healthcare providers to maintain basic professional-liability coverage as a licensure condition, and the Health Care Stabilization Fund supplies excess professional-liability coverage only within its statutory qualification rules. The 2026 Kansas statutes set a $500,000 per-claim/$1.5 million annual aggregate basic floor for new and renewed policies since January 1, 2022, with enumerated provider exceptions and self-insurance options. Do not treat that professional-liability system as a commercial umbrella for premises, auto, or contract liability. 2,4

What Is Umbrella And Excess Liability?

Umbrella or excess insurance adds liability limits above the policies named in the quote after a covered claim exhausts their limits. It may fit if a contract sets higher limits; check which primary policies are listed and any gaps between them. Read the national Umbrella and excess liability guide.

Kansas Requirements

RequirementDetails
Resident healthcare provider basic coverageUnder 2026 K.S.A. 40-3402(a), new policies and renewals on or after January 1, 2022 must carry at least $500,000 per claim and a $1.5 million annual aggregate for claims made during the policy period for each resident healthcare provider as a condition of active licensure or other statutory authority to render services, unless self-insured. The provision lists exceptions for optometrists and pharmacists, physical therapists, and HMOs; nonresident providers are addressed separately and the optometrist/pharmacist/physical-therapist exceptions also apply there. 2
Fund is excess professional liabilityThe Kansas Health Care Stabilization Fund describes itself as providing excess professional-liability coverage to health-care providers defined by K.S.A. 40-3401(f); that statutory definition is a specific set of licensed individuals, facilities, and qualifying professional entities, not every business or every person working in healthcare. Fund surcharge rates changed effective January 1, 2026. 4,2

What to Watch for in Kansas

  • The Fund does not replace a commercial umbrella schedule

    Kansas law and HCSF guidance concern damages arising from healthcare professional services. If your lease, vendor, or customer contract requires excess commercial general liability or auto limits, schedule those business policies and obtain the required endorsements separately; the Fund’s professional-liability layer does not establish those contractual limits. 4,3

  • Confirm the provider class before applying the basic floor

    The current K.S.A. 40-3401 definition covers specified practitioners and licensed facilities, professional corporations, LLCs and partnerships, and now includes accredited maternity centers and licensed nursing, assisted-living and residential healthcare facilities. It excludes state institutions for people with intellectual disabilities, state psychiatric hospitals, exempt, visiting, inactive and federally active licensees, plus some federal or charitable APRN/physician-assistant practice. K.S.A. 40-3402 separately exempts optometrists, pharmacists, physical therapists and HMOs from its basic-coverage requirement. Confirm the exact person, entity, license and service before applying the $500,000/$1.5 million figure. 1,2

  • Fund excess depends on qualification and selected limits

    The HCSF’s current site describes coverage for providers defined by statute; it is not automatic excess for anyone who buys an umbrella. Kansas law makes Fund coverage follow qualification under the Act and limits Fund payments to the amount selected by the provider. Verify active/ inactive status, participation, surcharge, basic coverage, and the current Fund limits for each qualified insured. 4,3

  • Professional liability exclusions may leave a gap above the basic policy

    K.S.A. 40-3408 permits insurers to exclude some liability for professional services rendered by other providers who must maintain basic coverage, sexual-act/activity liability, charitable-provider services, and claims covered under the Federal Tort Claims Act; the Fund is not liable for claims excluded by the insurer or otherwise excluded from the provider’s policy. Compare the actual medical-professional policy and Fund eligibility with any separate excess layer instead of assuming one fills another’s exclusions. 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. 5,6,10,7

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. 8,9

Providers With Documented State Licenses

These providers publish a national listing for Umbrella and excess liability; 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. 13
  • TechInsuranceSpecialty Program Group LLCInsurance producer · checked 2026-09-28TechInsurance’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. 16
  • 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. 17

Questions to Ask Before You Buy in Kansas

  1. Is each named insured a resident or nonresident provider within K.S.A. 40-3401, and does a statutory class exception apply?
  2. Does the provider’s policy meet the current basic limit and claims-made/retroactive requirements for the applicable effective date?
  3. Is the provider actively qualified with HCSF for the covered services and dates, and what surcharge and selected Fund limits apply in 2026?
  4. Does the customer’s contract require professional liability, commercial GL, auto, or more than one excess layer, and are all relevant policies scheduled?
  5. Do exclusions for another provider, charitable care, sexual acts, or FTCA-covered care affect the services in scope?

Umbrella And Excess Liability in Kansas: FAQ

Does every Kansas business need $500,000 of professional liability? 1,2

No. The basic coverage rule applies to healthcare providers in the Act’s defined classes, with resident/nonresident distinctions and enumerated exceptions. It is not a commercial-liability requirement for all businesses. 1,2

Can a Kansas business count HCSF limits toward an umbrella required by a commercial contract? 4,3

HCSF provides excess professional-liability coverage for defined healthcare providers. The cited statutes do not make it commercial GL or auto excess; ask the contracting party to identify the liability line and confirm the contract’s limit treatment in writing. 4,3

Umbrella And Excess Liability in Other States

Other Coverage in Kansas

Sources

  1. 2026 K.S.A. 40-3401, Definitions. Kansas Legislature; Subsections (f)(1)–(2): provider classes, 2025 additions (maternity centers and related facilities), state institution/psychiatric hospital and exempt, inactive, visiting, federal/charitable exclusions. Accessed 2026-09-28.
  2. 2026 K.S.A. 40-3402, Professional liability insurance to be maintained by health care providers. Kansas Legislature; Subsections (a)–(e): 2022-onward basic limits, resident/nonresident rules, named exceptions and occurrence alternatives for specified groups. Accessed 2026-09-28.
  3. 2026 K.S.A. 40-3408, Fund coverage excess over liability insurance coverage. Kansas Legislature; Subsections (a)–(e): insurer/Fund order of payment, higher applicable limits, exclusions, and Fund limitations. Accessed 2026-09-28.
  4. Kansas Health Care Stabilization Fund. Kansas Health Care Stabilization Fund; Current landing-page description of HCSF excess professional-liability role and surcharge rates effective January 1, 2026. Accessed 2026-09-28.
  5. 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.
  6. 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.
  7. 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.
  8. 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.
  9. 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.
  10. 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.
  11. Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
  12. 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.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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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