General Contractor Insurance in Kansas

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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.

Who needs contractor insurance in Kansas?

Many companies have insurance policies in place to protect their businesses and personal finances. General Liability insurance and other insurance policies can be a vital safety net for your business.

You may need to have certain types of coverage to be able to work with certain clients. This requirement is usually included in contracts.

Please select your occupation from the list below for more details about your options for insurance and to start with a personalized insurance quote.

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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.

What do contractors’ insurance policies provide in Kansas?

Insurance for contractors will protect you against a range of risk. Depending on which coverage types you select, you may be covered for such events as:

  • Claim for injury and property damage to third parties
  • Unexpected interruptions of business (Business Owner’s Policy).
  • Equipment breakdown
  • Workplace injuries and illnesses (Workers’ Compensation).

How much does Kansas contractors insurance cost?

If you’re only beginning your own contracting business in Kansas You may not know about the costs associated with contractor insurance.

The cost of insurance for businesses differs because insurance companies consider a variety of factors in determining the premiums for each business. Costs to your business can differ based on variables like:

  • The kind of insurance you’re looking for
  • The size of your company (annual revenue)
  • How many individuals are covered under the policy
  • Your claims history
  • Select the coverage level you want.

How do I obtain general contractor insurance in Kansas?

The protection of your contracting business is simple by using BizInsure.

In less than 10 minutes, you can review quotes and discover coverage that fits your budget, needs and needs. The policy documents will be delivered to your inbox email.

Need assistance? We’re here to assist!

Compare multiple quotes today to get the most suitable insurance for your Kansas general contractor company.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
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