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SB 55 Kansas Senate · 2025-2026 Regular Session

Prohibiting the assignment of benefits under certain property and casualty insurance contracts and defining such assignment of benefits as an unfair method of competition and unfair or deceptive act or practice.

SB 55 prohibits property insurance policyholders from assigning their post-loss insurance benefits (payments after property damage) to service providers like repair contractors for residential or commercial properties. The bill defines such assignments as an unfair and deceptive practice, making them legally void. Exceptions include assignments to mortgage lenders, property buyers, or for liability insurance coverage. This law directly affects how property insurance claims are handled between policyholders, insurers, and service providers.
Bill status signed all 5 stages cleared
Introduction
Jan 2025
Committee Review
Mar 2026
Senate Passage
Feb 2026
House Passage
Mar 2026
Signed into Law
Apr 2026
Introduced Jan 22, 2025 Signed Apr 9, 2026
Maddy AI version diff · 2 comparisons

What changed between versions

As Amended by Senate Committee → Enrolled · 4 edits · Apr 9, 2026
MODERATE
The bill was finalized by removing the 'As Amended by Senate Committee' header and updating the year from 2024 to 2025. The most significant substantive change is narrowing the scope of the new assignment of benefits prohibition to apply only to residential property insurance, whereas the committee version also covered commercial property insurance. The existing list of unfair insurance practices was also expanded to include new prohibitions on stock operations, unfair discrimination against blind individuals, and specific false statements regarding financial conditions.
Scope change
The prohibition on assigning insurance benefits was narrowed to apply only to residential property insurance, excluding commercial property insurance which was included in the committee version.
SCOPE

The ban on assigning insurance benefits now applies only to residential property policies, removing the previous restriction on commercial property policies.

REQUIREMENT

New provisions prohibit unfair discrimination against blind individuals and ban specific stock operations and advisory board contracts used to induce insurance sales.

New requirements were added to prohibit knowingly filing false material statements about a person's financial condition and making false entries in business reports.

TECHNICAL

The statutory year referenced in the text was updated from 2024 to 2025 to reflect the current legislative session.

Floor votes

How they voted

This bill passed the Senate by voice vote (no roll call recorded).
Full legislative history

Actions timeline

Total actions
14
Key actions
9
Committee
4
Apr 9, 2026
Signed into law
Approved by Governor on Friday, April 3, 2026
upper
Mar 18, 2026
Lower · Passed
Emergency Final Action - Passed; Yea 124, Nay 0, Absent 1
lower
Mar 18, 2026
Lower · Passed
Motion to advance to Emergency Final Action adopted
lower
Mar 18, 2026
Lower · Passed
Committee of the Whole - Be passed
lower
Mar 12, 2026
Lower · Passed
Committee Report recommending bill be passed by House Committee on Insurance
lower
Feb 25, 2026
Committee
Referred to House Committee on Insurance
lower
Feb 25, 2026
Introduced
Received and Introduced
lower
Feb 18, 2026
Upper · Passed
Emergency Final Action - Passed as amended; Yea 40, Nay 0
upper
Feb 18, 2026
Upper · Passed
Committee of the Whole - Be passed as amended
upper
Feb 18, 2026
Upper · Passed
Committee of the Whole - Committee Report be adopted
upper
Feb 17, 2026
Upper · Passed
Committee Report recommending bill be passed as amended by Senate Committee on Financial Institutions and Insurance
upper
Jan 23, 2025
Committee
Referred to Senate Committee on Financial Institutions and Insurance
upper
Jan 22, 2025
Introduced
Introduced
upper
0 primary · 0 co-sponsors

Sponsors

No sponsor information available.