General Contractor Insurance in Kansas

Why do general contractors need insurance in Kansas?

The Sunflower state has a thriving construction industry. In the construction industry there are over 21,397 employees. Kansas contractor insurance helps protect these small businesses.

Construction sites are often dangerous places to work. Small businesses could be facing a liability issue in the event of a minor accident, whether it is in a commercial or residential project. Contractor insurance in Kansas safeguards your business from accidents, delays or other issues.

Contractor insurance is the shorthand term used to describe all the coverages that a contractor might be able to think about.

• General Liability insurance
• Business Owner’s Policy
• Workers’ Compensation insurance

Find out how BizInsure helps you find the right contractor insurance policy for your Kansas business.

What are common insurance policies for Kansas contractors?

Kansas tradespeople are usually interested in different types of insurance for contractors. These insurance policies can help you manage the common risks faced by general contractors working on their jobs.

General Liability insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Business Owner’s Policy

A Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

Workers’ Compensation insurance

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

Kanas law requires all employers to carry Workers’ Compensation insurance including part-time and full-time employees or family members It has a limited exception, those in certain agricultural areas or with a gross annual payroll of $20,000 or less.