By Haul Handbook editorial team· Updated Sep 27, 2026
What Kansas requires
These are the state-level rules attached to Kansas intrastate operating authority. A field reading "Not confirmed" means this guide has not confirmed that value. The note explains the gap; unknown is not evidence of absence.
- Liability minimum
- No single figure, by design: Kansas states its minimum as split limits, not one figure. K.S.A. 66-1,128(a) bars the KCC from issuing any certificate, permit or license to a public motor carrier of property, household goods or passengers, or a private motor carrier of property, until it files a liability policy of at least $100,000 for injury or death to any one person in any one accident, $300,000 for injury or death to two or more persons in any one accident, and $50,000 for loss to property of others in any one accident. The KCC's FAQ and the KTRAN Insurance Notice repeat the same three figures. Carriers with more than 25 registered vehicles may qualify as self-insurers through the commissioner of insurance (66-1,128(c)).
- Cargo minimum
- K.A.R. 82-4-22(a)(3) excludes property usually designated as cargo from the required liability policy. K.S.A. 66-1,114(b) conditions a household goods or passenger certificate on compliance with liability and cargo insurance requirements, and K.A.R. 82-4-25a names form I as the uniform cargo insurance endorsement, but no cargo dollar minimum was found in the statutes, regulations or KCC pages read.
Who files the proof of insurance
The rows identify stored proof-of-coverage filings. Confirm which filing applies to your authority and who submits it before requesting a form.
- Liability proof
- Form E, the uniform motor carrier bodily injury and property damage liability certificate of insurance, for intrastate regulated and interstate exempt carriers. The insurance underwriter (not the agent) files it electronically through the national online registry (NOR); the KCC does not accept ACORD forms.
Forms BMC 91 and BMC 91X apply to interstate regulated carriers. Before a policy expires or cancels the carrier must file a new policy or pull the vehicle from service, and operating without the required filing triggers emergency suspension proceedings (K.A.R. 82-4-22(c) and (d)).
The federal minimums, for contrast
Federal financial-responsibility requirements depend on the operation, vehicle and commodity. Review the rows and exclusions in 49 CFR Part 387 (property carriers 387.303, brokers and freight forwarders 387.307, endorsements 387.15), as displayed on FMCSA's insurance filing requirements page; the filing mechanics live in our BMC-91 and BMC-34 insurance filings guide.
Scroll sideways to see every column.
Where insurance fits in the Kansas launch
Coverage sits early in the sequence: the federal filing sequence needs your insurer's proof of coverage on file before authority activates, and the state rules above attach to the credential covered on the Kansas intrastate authority page. For the full order of operations, work through start a trucking company in Kansas.