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Kansas Casualty Insurance — Requirements & Free Practice

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Licenses, application pathways and examination requirements

Each license and applicant pathway has its own requirements and exemptions. Choosing practice questions does not determine your eligibility.

business entity (agency) license

Resident or nonresident business-entity agency license for entities acting as insurance producers, with lines of authority corresponding to those held by employees.

Licensing authority: Kansas Department of Insurance · Application information

Nonresident new entity license after renewal expiration
No examination is required for this applicant pathway.
Expired license
Entity license expired because timely renewal, fee or applicable good-standing requirements were not met.
Reapplication
Submit a new NAIC business-entity application and fee; satisfy initial entity licensing and employee/contact requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit NAIC Uniform Application for Business Entity License through NIPR, required fee, and IRS FEIN verification; Secretary of State registration/good standing when applicable.
Entity
Organized corporation, partnership, LLC, LLP, sole proprietorship or other qualifying legal entity.
Residency
Domiciled outside Kansas; reciprocal home-state authority and good standing under K.S.A. 40-4906 where applicable.
Responsible agent
Identify the designated responsible licensed producer; agency authority follows its licensed employees. Insurers directly appoint employed individual producers for the general agency license.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity biennial renewal
No examination is required for this applicant pathway.
Fee
Department page states $4 for resident business entities and $40 for nonresident business entities.
Licensed personnel
Maintain a responsible licensed producer for an agency; an auto-rental-only entity needs a communication contact and employee training.
Renewal
Submit NIPR renewal and prescribed fee by biennial due date; maintain applicable Secretary of State good standing.

Official no-examination sources

Effective from 2026-09-22.

Resident new entity license after renewal expiration
No examination is required for this applicant pathway.
Expired license
Entity license expired because timely renewal, fee or applicable good-standing requirements were not met.
Reapplication
Submit a new NAIC business-entity application and fee; satisfy initial entity licensing and employee/contact requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit NAIC Uniform Application for Business Entity License through NIPR, required fee, and IRS FEIN verification; Secretary of State registration/good standing when applicable.
Entity
Organized corporation, partnership, LLC, LLP, sole proprietorship or other qualifying legal entity.
Residency
Kansas domicile.
Responsible agent
Identify the designated responsible licensed producer; agency authority follows its licensed employees. Insurers directly appoint employed individual producers for the general agency license.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity biennial renewal
No examination is required for this applicant pathway.
Fee
Department page states $4 for resident business entities and $40 for nonresident business entities.
Licensed personnel
Maintain a responsible licensed producer for an agency; an auto-rental-only entity needs a communication contact and employee training.
Renewal
Submit NIPR renewal and prescribed fee by biennial due date; maintain applicable Secretary of State good standing.

Official no-examination sources

Effective from 2026-09-22.

Title insurance agency handling escrow, settlement or closing accounts
No examination is required for this applicant pathway.
Application
Submit the required bond or letter of credit before finalization of the entity application.
Department instruction
The undated Department page lists population-based $25,000/$50,000/$100,000 security; the statute’s current $100,000 amount controls.
Financial security
K.S.A. 40-1139 requires a $100,000 surety bond or irrevocable letter of credit, effective January 1, 2026, covering faithful performance; maintain required notice/renewal terms.
Licensed employee
Designated responsible title producer and directly appointed licensed title employees.

Official no-examination sources

Effective from 2026-09-22.

Title insurance agency without escrow, settlement or closing accounts
No examination is required for this applicant pathway.
Application
Submit the entity application and applicable ordinary agency requirements.
Licensed employee
Designated responsible title producer and directly appointed licensed title employees.
No escrow
Provide the Department a letter stating the agency will not perform escrow, settlement or closing accounts.

Official no-examination sources

Effective from 2026-09-22.

Auto Rental Only Business Entity License

Limited casualty subclass for insurance incidental to motor-vehicle rentals; employee training replaces individual-agent licensing.

Licensing authority: Kansas Commissioner of Insurance / Kansas Department of Insurance · Application information

Nonresident new entity license after renewal expiration
No examination is required for this applicant pathway.
Expired license
Entity license expired because timely renewal, fee or applicable good-standing requirements were not met.
Reapplication
Submit a new NAIC business-entity application and fee; satisfy initial entity licensing and employee/contact requirements.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit NAIC Uniform Application for Business Entity License through NIPR, required fee, and IRS FEIN verification; Secretary of State registration/good standing when applicable.
Designated contact
Identify a responsible communication contact, who need not be a licensed producer.
Employee training
Provide K.S.A. 40-241 employee training; K.A.R. 40-7-24 exempts auto-rental-only entities from employing licensed producers.
Entity
Organized corporation, partnership, LLC, LLP, sole proprietorship or other qualifying legal entity.
License separation
Auto-rental-only business entities cannot also hold the general producer-agency license; insurers directly appoint the entity.
Residency
Domiciled outside Kansas; reciprocal home-state authority and good standing under K.S.A. 40-4906 where applicable.
Scope
Insurance incidental to motor-vehicle rental, rental agreement no longer than 90 consecutive days, with statutory brochures and disclosures.

Official no-examination sources

Effective from 2026-09-22.

Nonresident business entity biennial renewal
No examination is required for this applicant pathway.
Fee
Department page states $4 for resident business entities and $40 for nonresident business entities.
Licensed personnel
Maintain a responsible licensed producer for an agency; an auto-rental-only entity needs a communication contact and employee training.
Renewal
Submit NIPR renewal and prescribed fee by biennial due date; maintain applicable Secretary of State good standing.

Official no-examination sources

Effective from 2026-09-22.

Resident new entity license after renewal expiration
No examination is required for this applicant pathway.
Expired license
Entity license expired because timely renewal, fee or applicable good-standing requirements were not met.
Reapplication
Submit a new NAIC business-entity application and fee; satisfy initial entity licensing and employee/contact requirements.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity initial licensure
No examination is required for this applicant pathway.
Application
Submit NAIC Uniform Application for Business Entity License through NIPR, required fee, and IRS FEIN verification; Secretary of State registration/good standing when applicable.
Designated contact
Identify a responsible communication contact, who need not be a licensed producer.
Employee training
Provide K.S.A. 40-241 employee training; K.A.R. 40-7-24 exempts auto-rental-only entities from employing licensed producers.
Entity
Organized corporation, partnership, LLC, LLP, sole proprietorship or other qualifying legal entity.
License separation
Auto-rental-only business entities cannot also hold the general producer-agency license; insurers directly appoint the entity.
Residency
Kansas domicile.
Scope
Insurance incidental to motor-vehicle rental, rental agreement no longer than 90 consecutive days, with statutory brochures and disclosures.

Official no-examination sources

Effective from 2026-09-22.

Resident business entity biennial renewal
No examination is required for this applicant pathway.
Fee
Department page states $4 for resident business entities and $40 for nonresident business entities.
Licensed personnel
Maintain a responsible licensed producer for an agency; an auto-rental-only entity needs a communication contact and employee training.
Renewal
Submit NIPR renewal and prescribed fee by biennial due date; maintain applicable Secretary of State good standing.

Official no-examination sources

Effective from 2026-09-22.

Bail Bond Insurance License

Limited-line bail bond insurance license requiring an examination. License renewal does not require continuing education, but judicial-district authorization does.

Licensing authority: kansas department of insurance · Application information

Resident addition of a line of authority
KS Rules and Regs (Bail Bonds)
Examination
Have the applicable passed examination on file.
Existing license
Hold an existing Kansas producer license; add this qualification through NIPR after overnight processing.
Fee
No Kansas fee to add a line; NIPR transaction fees apply.
Supporting documents
The Department FAQ says fingerprints and supporting documents not listed on the application are not required for adding a line.
Licensure after examination but insurer certification error
KS Rules and Regs (Bail Bonds)
Certification error
Insurer failed to certify the applicant because of clerical error.
Insurer payment
Insurer pays missed appointment fees and statutory penalties; no repeat sitting is required under K.S.A. 40-4908(a)(5).
Prior examination
Already qualified by the applicable currently offered Kansas examination.
Historical same company class continuation under K.S.A. 40 241h
No examination is required for this applicant pathway.
Current eligibility
Must meet all other currently applicable licensing requirements.
Historical activity
Agent was writing this class or subclass before April 25, 1971 for an insurer brought under the insurance code by K.S.A. 40-202.
Scope
The examination waiver applies to that historical company relationship; selling for another company requires K.S.A. 40-241 qualifications.

Official no-examination sources

Effective from 2026-09-22.

Election of inactive status
No examination is required for this applicant pathway.
Continuing education
Exempt during the inactive period.
Duration
One continuous period of no more than four years; Department grants inactive status only once.
Prior license
Active license in good standing; assure Commissioner no acts toward insurance business will be performed.

Official no-examination sources

Effective from 2026-09-22.

New license after expiration at end of inactive period
KS Rules and Regs (Bail Bonds)
Expiration
Required CE proof and renewal fee were not furnished by the end of permitted inactivity.
New license
Apply and pass the required examination.
Return to active status within permitted inactive period
No examination is required for this applicant pathway.
Continuing education
Bail-bond-only insurance qualification is exempt from insurance CE; judicial-district authorization separately requires eight hours per 12 months under K.S.A. 22-2809b.
Inactive period
Inactive period has not exceeded four years.
Reactivation
File a report certifying applicable CE compliance and pay renewal fee.

Official no-examination sources

Effective from 2026-09-22.

Nonresident addition of same line home state authority
No examination is required for this applicant pathway.
Application
Submit a NIPR add-line transaction; wait until at least the next business day after the home-state license is updated.
Home state authority
Hold this line in the home state and satisfy reciprocal nonresident eligibility.

Official no-examination sources

Effective from 2026-09-22.

Nonresident licensure by reciprocity
No examination is required for this applicant pathway.
Application
Submit the prescribed application and fees; statutory application and biennial fee limits apply.
Home state license
Current resident license in good standing for the same authority.
Minimum age
Department implementing page requires age 18.
No kansas exam
Home-state license is an applicant condition; an examination owned by another state is not a Kansas requirement leaf.
Reciprocity
Home state awards nonresident licenses to Kansas residents on the same basis.

Official no-examination sources

Effective from 2026-09-22.

Nonresident reinstatement after nonrenewal
No examination is required for this applicant pathway.
Home state license
Retain active resident same-line home-state authority and reciprocal eligibility.
Renewal default
Within 90 days submit renewal and pay the biennial fee plus $100; after termination reapply through NIPR. The Department states the $100 reinstatement charge applies up to four years after expiration.

Official no-examination sources

Effective from 2026-09-22.

Nonresident biennial renewal
No examination is required for this applicant pathway.
Continuing education
Reciprocal home-state CE compliance satisfies Kansas CE under K.S.A. 40-4914(b).
Home state license
Maintain the same home-state lines and good standing.
Renewal
Submit NIPR renewal and the biennial nonresident fee by the due date.

Official no-examination sources

Effective from 2026-09-22.

Resident licensure with same line prior out of state license
No examination is required for this applicant pathway.
Application
Complete resident application and nonexamination requirements.
Department instruction
The generic Department new-resident page also says “Pass the appropriate licensing examination”; the specific statutory waiver controls eligibility.
Prior license
Currently licensed for the same line in another state, or apply within 90 days of cancellation with evidence of good standing at cancellation; state certification or NAIC producer-database evidence may be accepted.
Waiver
K.S.A. 40-4908(a)(1) mandates examination waiver for eligible same-line applicants.

Official no-examination sources

Effective from 2026-09-22.

Resident initial licensure by examination
KS Rules and Regs (Bail Bonds)
Application
Submit the NAIC Uniform Application through NIPR; statements are made under penalty of perjury.
Application window
K.A.R. 40-7-13(d)(2) states a one-year application period; the May 2026 checklist states six months, and the current Department page uses the timeframe in its deficiency letter. These are applicant process conditions and do not change the examination set.
Appointment
An insurer appointment is required before transacting business on behalf of that insurer.
Criminal history
Submit fingerprints, required state and national background checks, and the FBI waiver/privacy agreement; K.S.A. 40-4905(h)(3) permits proof of good standing after fingerprinting/background checks for successful issuance or renewal of another state-issued license within the previous 12 months.
Eligibility
No act constituting grounds for denial under K.S.A. 40-4909; Commissioner verifies eligibility.
Exam timing
The examination may be passed before or after application; the Department checklist states that the passing score remains valid for two years.
Fingerprint window
The May 2026 checklist states six months; the July 2026 handbook states fingerprints are valid 365 days awaiting the application, waiver and fees. Follow the Department instruction applicable to the application.
Identification
Provide color copies of both sides of a valid Kansas driver license or ID.
Judicial authorization
Insurance licensing does not itself authorize compensated-surety practice in a judicial district; apply to the chief judge or designee, provide the required license, authority and power-of-attorney documentation, and meet K.S.A. 22-2809b continuing education and any permitted background-check requirements.
Minimum age
18 years.
Prelicensing education
Kansas does not require prelicensing education.
Published application fee
The May 29, 2026 checklist states $15, the July 2026 handbook states $30, and the currently retrieved Department page states $10; each also states a $60 fingerprint/background-processing fee. K.S.A. 40-4905(b)(3) authorizes the Commissioner to set a fee up to $30. The retrieved page does not state when its $10 amount began, so it is not represented as the amount effective on September 22, 2026.
Tax clearance
Provide a Kansas Department of Revenue tax-clearance certificate valid for its stated period.
Resident biennial renewal
No examination is required for this applicant pathway.
Continuing education
Bail-bond-only insurance qualification is exempt from insurance CE; judicial-district authorization separately requires eight hours per 12 months under K.S.A. 22-2809b.
Hardship
K.S.A. 40-4903 permits medical or military extensions and renewal-procedure waivers; obtain the Commissioner’s approval.
Renewal
Submit the prescribed renewal application, pay the biennial fee, and meet CE by the biennial due date.

Official no-examination sources

Effective from 2026-09-22.

Change of residence to Kansas with same line authority
No examination is required for this applicant pathway.
Application
Notify the Department after applying and follow its change-residency instructions.
Prior license
Previously authorized for the same line; apply within 90 days of establishing Kansas residence.
Waiver
K.S.A. 40-4908(b) requires no same-line Kansas examination except as required by Commissioner rule or regulation. K.A.R. 40-7-13 defines examination conduct, not a special mandatory transfer examination.

Official no-examination sources

Effective from 2026-09-22.

New licensure after four consecutive years of expiration
KS Rules and Regs (Bail Bonds)
Examination
Apply for a new license and pass the required examination under K.S.A. 40-4903(e)(6).
License lapse
Kansas license and every other insurance-agent license have expired for four or more consecutive years.
Prior ce
Supply prior CE when expiration followed CE default.
Reinstatement more than one year but less than four years after expiration
No examination is required for this applicant pathway.
Application
Reapply, complete applicable prior CE and pay reinstatement fee; Department requires fingerprints, tax clearance and waiver forms after one year.
Continuing education
Bail-bond-only insurance qualification is exempt from insurance CE; judicial-district authorization separately requires eight hours per 12 months under K.S.A. 22-2809b.
Prior license
Expired after failure to satisfy biennial renewal; not the four-year lapse requiring a new examination.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after renewal default: During the initial 90 day suspension
No examination is required for this applicant pathway.
Continuing education
Bail-bond-only insurance qualification is exempt from insurance CE; judicial-district authorization separately requires eight hours per 12 months under K.S.A. 22-2809b.
Prior license
Previously held this qualification; suspension or expiration resulted from renewal default.
Reinstatement
Submit renewal, satisfy applicable CE, pay renewal fee and the $100 penalty.

Official no-examination sources

Effective from 2026-09-22.

Reinstatement after renewal default: After three but less than twelve months
No examination is required for this applicant pathway.
Continuing education
Bail-bond-only insurance qualification is exempt from insurance CE; judicial-district authorization separately requires eight hours per 12 months under K.S.A. 22-2809b.
Prior license
Previously held this qualification; suspension or expiration resulted from renewal default.
Reinstatement
Provide required CE proof and renewal application and pay the $100 reinstatement charge for each suspended license.

Official no-examination sources

Effective from 2026-09-22.

Return within two years after voluntary surrender
No examination is required for this applicant pathway.
Continuing education
All educational requirements for the current licensing period are satisfied.
Department instruction
The Department surrender page states: “If you want to obtain a license in the future, you will be required to apply and complete all requirements necessary for new applicants.” The specific statutory waiver controls.
Fitness
Commissioner is satisfied applicant is trustworthy and competent.
Prior license
Previously licensed in Kansas for this class; voluntarily surrendered no more than two years before application.
Waiver
Mandatory examination waiver under K.S.A. 40-4908(a)(3).

Official no-examination sources

Effective from 2026-09-22.

Excess Lines Coverage License

Specialty license to place property and casualty coverage with eligible nonadmitted insurers.

Licensing authority: commissioner of insurance · Application information

New excess lines license after nonrenewal
No examination is required for this applicant pathway.
License default
No late renewal or grace period; obtain a new license after nonrenewal.
Reapplication
Reapply through NIPR and meet property-and-casualty producer and applicable home-state surplus-lines prerequisites.

Official no-examination sources

Effective from 2026-09-22.

Nonresident excess lines licensure
No examination is required for this applicant pathway.
Application
Submit the NIPR individual-producer application and $50 initial surplus-lines fee.
Home state surplus license
Nonresident applicants must also hold home-state surplus-lines authority.
Producer license
Hold a property-and-casualty producer license. This is a license condition, not a requirement to sit another examination on this route.

Official no-examination sources

Effective from 2026-09-22.

Nonresident annual excess lines renewal
No examination is required for this applicant pathway.
Producer license
Maintain underlying producer qualifications; nonresident applicant maintains home-state authority.
Renewal
Renew by May 1 with $50 fee, NIPR application, current contact details and required March 1 annual report/taxes.
Reporting
File the statutory affidavit and applicable tax report; non-submission prevents renewal.

Official no-examination sources

Effective from 2026-09-22.

Resident excess lines licensure
No examination is required for this applicant pathway.
Application
Submit the NIPR individual-producer application and $50 initial surplus-lines fee.
Home state surplus license
Kansas resident applicant.
Producer license
Hold a property-and-casualty producer license. This is a license condition, not a requirement to sit another examination on this route.

Official no-examination sources

Effective from 2026-09-22.

Resident annual excess lines renewal
No examination is required for this applicant pathway.
Producer license
Maintain underlying producer qualifications; nonresident applicant maintains home-state authority.
Renewal
Renew by May 1 with $50 fee, NIPR application, current contact details and required March 1 annual report/taxes.
Reporting
File the statutory affidavit and applicable tax report; non-submission prevents renewal.

Official no-examination sources

Effective from 2026-09-22.

temporary insurance agent license

Temporary casualty authority for statutory death, disability, military-service and public-interest situations.

Licensing authority: Kansas Commissioner of Insurance / Kansas Department of Insurance · Application information

Temporary licensure: entity successor
No examination is required for this applicant pathway.
Duration
Up to 180 days initially.
Eligibility
Member or employee of a licensed entity after death or disability of the designated individual.
Restrictions
Commissioner may require a licensed agent or insurer sponsor and may limit or revoke authority to protect insureds; temporary authority ends when the business is disposed of.
Scope
Casualty authority of the affected licensed agent or entity.

Official no-examination sources

Effective from 2026-09-22.

One additional temporary license extension
No examination is required for this applicant pathway.
Duration
Commissioner may authorize one additional period up to 180 days.
Prior license
Temporary license other than the military-designee renewal exception.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: military designee
No examination is required for this applicant pathway.
Duration
Up to 180 days initially.
Eligibility
Designee of a licensed individual entering active United States armed-forces service.
Restrictions
Commissioner may require a licensed agent or insurer sponsor and may limit or revoke authority to protect insureds; temporary authority ends when the business is disposed of.
Scope
Casualty authority of the affected licensed agent or entity.

Official no-examination sources

Effective from 2026-09-22.

Military designee temporary license renewal
No examination is required for this applicant pathway.
Duration
Commissioner may renew for the period necessary to continue that agent’s business.
Prior license
Temporary license issued to an agent’s designee for active military service.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: public interest
No examination is required for this applicant pathway.
Duration
Up to 180 days initially.
Eligibility
Other person and circumstances the Commissioner determines serve the public interest.
Restrictions
Commissioner may require a licensed agent or insurer sponsor and may limit or revoke authority to protect insureds; temporary authority ends when the business is disposed of.
Scope
Casualty authority of the affected licensed agent or entity.

Official no-examination sources

Effective from 2026-09-22.

Temporary licensure: spouse representative
No examination is required for this applicant pathway.
Duration
Up to 180 days initially.
Eligibility
Surviving spouse or court-appointed personal representative of a deceased or disabled agent, for sale/recovery or replacement-personnel licensing.
Restrictions
Commissioner may require a licensed agent or insurer sponsor and may limit or revoke authority to protect insureds; temporary authority ends when the business is disposed of.
Scope
Casualty authority of the affected licensed agent or entity.

Official no-examination sources

Effective from 2026-09-22.

KS Rules and Regs (Bail Bonds)

Provider
Pearson VUE
Format
Computer-administered multiple-choice examination
Exam questions
50 scored questions
Time limit
90 minutes
Passing score
70%
Examination outline
  • GENERAL INSURANCE TERMS AND CONCEPTS
    • A. Insurance
    • B. Indemnity
    • C. Concealment
    • D. Risk
    • E. Hazard
    • F. Peril
    • G. Loss
    • H. Liability
    • I. Negligence
    • J. Accident
    • K. Occurrence
  • CONTRACT LAW
    • A. Elements of a contract
    • B. Insurable interest
    • C. Definition of the insured
    • D. Declarations, conditions, exclusions
    • E. Duties of the insured
    • F. Obligations of the insurance company
    • G. Insuring Agreement
    • H. Policy cancellation and nonrenewal
  • KANSAS GENERAL STATUTES AND REGULATIONS
    • A. Commissioner of Insurance
    • A.1. Election
    • A.2. General duties and powers
    • A.3. Examinations
    • A.4. Hearings/Notice of hearings/Orders
    • A.5. Penalties
    • B. Definitions
    • B.1. Domestic company
    • B.2. Foreign company
    • B.3. Fraternals
    • B.4. Certificate of authority
    • C. Licensing
    • C.1. Persons required to be licensed
    • C.1.a. Producer
    • C.1.b. Resident/Nonresident
    • C.1.c. Temporary license
    • C.2. Producer appointment/certification and termination of appointment
    • C.3. Obtaining a license
    • C.3.a. Qualifications/Examinations
    • C.3.b. Exemptions/exceptions
    • C.4. Maintaining a license
    • C.4.a. Change of address/ place of business
    • C.4.b. Suspension or revocation of licenses/felony convictions
    • D. Marketing practices
    • D.1. Rebating
    • D.2. Misrepresentation
    • D.3. False advertising
    • D.4. Defamation
    • D.5. Boycott, coercion, intimidation
    • D.6. Unfair discrimination
Examination sources