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. This policy covers medical bills for work injuries and illnesses.
All business-owned vehicles in Kansas must be covered by commercial auto insurance. Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
Kansas’ commercial auto insurance requirements are:
This policy is important for all Kansas businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.
This policy helps Kansas businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Kansas business.
Workers’ compensation insurance is required for Kansas businesses that have employees. It can cover medical costs for work injuries and illnesses.
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.
In Kansas, insurance agents, agencies, 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.