How much does freight broker insurance cost in Kansas? (2026)

Freight Broker insurance pricing in Kansas is shaped by the same state-specific bureau loss-cost filings that govern every commercial policy issued in Kansas. Below: the most-recent Kansas filings affecting freight broker operations, cited to their SERFF tracking numbers — primary-source, government-held pricing records. Read the full national context on the Freight Broker cost guide.

Recent rate-filing activity — 1 state filings across 1 commercial line

Commercial carriers can't charge whatever they want — each state's Department of Insurance must approve loss-cost filings before they take effect. These are primary-source, government-held records available on SERFF Filing Access. Cited below: the most-recent active filings affecting freight broker operations, with the real SERFF tracking number for each.

Line	State	Overall change	Effective	SERFF tracking
WC	KS	Voluntary -1.0% / Assigned-risk -0.9% (proposed)	Jan 1, 2026	NCCI-134656189

Source: SERFF Filing Access (filingaccess.serff.com) — the official public-records interface for state Department of Insurance filings. Loss-cost changes shown are the overall bureau-wide change in each state; the actual impact on your quote depends on your class code, payroll, experience modifier, and carrier-specific loss-cost multiplier (LCM). Get a quote for your exact numbers.

National context — Freight Broker insurance overview

Freight broker insurance is a completely different product set from driver/carrier insurance. Brokers don't operate trucks — they connect shippers with carriers, taking a percentage. The coverage stack reflects that: a federally-required FMCSA $75,000 BMC-84 surety bond (or BMC-85 trust fund), General Liability for office operations, Contingent Cargo + Contingent Auto for when a carrier's coverage falls short, Errors & Omissions for booking mistakes, and increasingly Cyber Liability for the rising tide of broker-carrier fraud schemes.

Typical total annual cost: $1,500-$5,000 in insurance premium plus $300-$1,000 for the BMC-84 bond (Insureon, TIA 2024). The bond is the gating requirement — FMCSA won't issue or renew your MC# without it. Every figure on this page cites a named external publication.

National benchmark figures

Published cost ranges for Freight Broker insurance — useful as a national baseline against which the Kansas filings above signal local direction.

FMCSA BMC-84 surety bond

$300–$1,000 / yr

$75K face value, good credit. TIA 2024

General Liability (office ops)

$400–$1,000 / yr

Standard for broker office. Insureon

Contingent Cargo ($100K)

$500–$2,000 / yr

Pays when carrier cargo doesn't. IRMI

Errors & Omissions ($1M)

$500–$2,500 / yr

Booking error / wrong carrier choice. IRMI E&O

Cyber Liability ($1M)

$600–$2,000 / yr

Broker-carrier fraud risk rising. III

Total typical broker stack

$1,800–$6,000 / yr

Including BMC-84 bond + GL + Contingent Cargo + E&O + Cyber. TIA

More Kansas rate-filing detail

All Kansas commercial rate filings (every line, every recent filing) — the broader rate-data view for Kansas
Rate filings by state — directory of all 47+ states with active filings
National Rate Change Tracker — every filing across every state, sortable

Get a real Kansas quote for freight broker

The data above shows the regulator-filed direction for Kansas. For your actual quote — based on payroll, experience modifier, and the LCM each carrier files — request a free quote in under 90 seconds.

Get a free Kansas quote →

📘 Educational, not advice. This state-specific cost page is general educational content reviewed by Jason Wootton, our California-licensed P&C Insurance Agent (CA License #0I94454). Bureau-filed loss-cost changes do not directly equal carrier rate changes — your final quote depends on class code, payroll, experience modifier, schedule credits/debits, and the carrier's LCM. For actual numbers, get a real quote.