Get the right commercial insurance for your Kansas business
Which insurance policies are recommended for Kansas businesses?
Small businesses in Kansas most often buy these types of insurance.
General liability insurance
Kansas general liability insurance covers common risks, including slip-and-fall injuries. Most commercial leases require this business liability insurance.
- Customer injuries at your business
- Damaged customer property
- Libel or slander lawsuits
Workers’ compensation insurance
Workers’ compensation insurance is required for Kansas businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Lawsuits from employee injuries
Commercial auto insurance
This policy is required for business-owned vehicles in Kansas. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.
- Accidents involving business vehicles
- Theft of a business vehicle
- Damage to a company vehicle
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for a Kansas business.
- Customer injuries
- Damaged customer property
- Damaged business property
Professional liability insurance
This policy, also called errors and omissions insurance (E&O), protects businesses that offer professional services and expert advice. It covers legal costs related to work performance.
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Errors and omissions insurance
E&O, sometimes called professional liability insurance, is common with professional services in Kansas. It can cover the cost of lawsuits related to your work performance.
- Missed deadlines
- Accusations of negligence
- Errors and oversights
Cyber insurance
This policy covers financial losses caused by data breaches and cyberattacks. It's important for Kansas businesses that handle sensitive data, such as credit card numbers.
- Customer notification expenses
- Fraud monitoring services
- Data recovery
Commercial umbrella insurance
Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.
- Customer lawsuits
- Auto accident lawsuits
- Employee injury lawsuits
Commercial property insurance
This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.
- Fire
- Theft and vandalism
- Weather damage
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Which business insurance policies are required in Kansas?
State laws can affect which business insurance coverage you need. These policies are required everywhere in Kansas, from Topeka to Wichita.
Workers' compensation insurance
Kansas state law requires all employers to carry workers' compensation insurance, unless your business is involved in certain agricultural areas or has a gross annual payroll of less than $20,000.
Workers' comp covers medical costs for work-related injuries and illnesses. It also provides disability benefits for injured Kansas workers.
Commercial auto insurance
All business-owned vehicles in Kansas must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.
Kansas' commercial auto insurance requirements are:
Liability coverage:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
Personal injury protection (PIP):
- $4,500 per person for medical expenses
- $900 per month for one year for disability/loss of income
- $25 per day for in-home services
- $2,000 for funeral, burial, or cremation expenses
- $4,500 for rehabilitation expenses
Uninsured/underinsured motorist:
- $25,000 per person
- $50,000 per accident
Trucking companies may need additional liability coverage to comply with regulations.
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).
How much does small business insurance cost in KS?
Commercial insurance can be affordable for small business owners. Based on policy data from Insureon customers in Kansas, the average costs are:
General liability: $44 per month
Workers' comp: $65 per month
Professional liability/E&O: $92 per month
Factors that influence business insurance costs include:
- Your industry and risks
- Business operations
- Number of employees
- Location, such as Topeka or Wichita
- Policy limits and deductibles
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FAQs about Kansas business insurance
How do I get a certificate of insurance for my business?
Insureon's licensed agents can help you find policies that fulfill Kansas' business insurance requirements and match the risks of your profession. Once you've purchased coverage with us, you can download a certificate of insurance (COI) by logging into your account.
Can my company be held liable for a data security breach?
Yes – that's why cyber insurance is so crucial. Small businesses are a common target of cyberattacks since they often have fewer security measures in place.
Kansas' data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.
Does my industry affect state insurance requirements?
Yes, your state may have special requirements for business insurance and bonds for your industry. You may also need a license depending on the work you do.
Contractors often need to carry general liability insurance or surety bonds to perform certain types of work. Having the right insurance and bonds helps you comply with state licensing requirements.
Real estate agents and brokers and other professionals who offer advice or services sometimes need errors and omissions insurance (E&O, also known as professional liability insurance) to get licensed in their state.
State law requires that practicing physicians carry professional liability insurance coverage.
Note that cities and counties may have their own laws for Kansas small businesses, in addition to state laws.
How can I save money on Kansas business insurance?
As with any purchase, shopping around is one of the best ways to find affordable insurance products. With Insureon, you can compare business insurance quotes from top-rated providers by filling out a free online application.
Other ways to save include bundling policies for a discount, and choosing less expensive policy options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.