Business Insurance in Kansas

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What are the requirements for small business insurance in Kansas?

State laws can affect which insurance policies you need for your small business. These policies are required for Kansas businesses.
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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. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

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:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $10,000 per accident
  • Uninsured motorist coverage: $25,000 per person / $50,000 per accident

Recommended insurance policies for small businesses in Kansas

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How much does small business insurance cost?

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Commercial insurance can be affordable for a small Kansas business. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
View Small Business Insurance Costs

Insureon specializes in Kansas business insurance

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.

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