Business Insurance in Kansas

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.

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).