General liability covers common risks, including customer property damage and injuries. Most commercial leases require this business 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.
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.
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.
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.
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.
State laws can affect which business insurance coverage you need. These policies are required everywhere in Kansas, from Topeka to Wichita.
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.
Personal injury protection (PIP):
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).
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.