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Business Insurance in Kansas
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Recommended insurance policies for small businesses in Kansas
General liability insurance
General liability covers common risks, including customer property damage and injuries. Most commercial leases require this business liability insurance.
BEST FOR
- Customer injuries at your business
- Damaged customer property
- Libel or slander lawsuits
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.
BEST FOR
- Work mistakes and oversights
- Professional negligence lawsuits
- Late or incomplete work
Cyber liability 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.
BEST FOR
- Customer notification expenses
- Fraud monitoring services
- Data recovery
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.
BEST FOR
- Customer injuries
- Damaged customer property
- Damaged business property
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over 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.
BEST FOR
- Accidents involving business vehicles
- Theft of a business vehicle
- Damage to a company vehicle
Looking for different coverage? See more policies.
Kansas business insurance requirements
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?
Commercial property and liability insurance can be affordable for Kansas small business owners. Factors that affect the cost include:
- Type of business and its risks
- Business revenue and location
- Number of employees
- Types of business insurance policies
- Deductibles and other coverage options
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Find the right policies and get your certificate of insurance
Insureon's licensed agents can help you find coverage that fulfills Kansas' requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.
In Kansas, insurance agencies, agents, and brokers are licensed by the Kansas Insurance Department. Insureon is licensed in Kansas as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 272221604). Verify our licensure with the Kansas Insurance Department License Search.