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Small Business Insurance in Kansas

Jun 20, 2023 · 5 minutes to read

Business insurance in Kansas can help small businesses thrive by protecting them against:

  • Claim for injury or damage to property
  • Allegations of professional negligence leading to financial losses
  • Workplace injuries
  • Accidents involving business-related vehicles

BizInsure offers the lowest prices for different types of small businesses and self-employed workers. We are specialists in small business coverage and can help you easily find the right insurance package for you.

Learn about the types of insurance that are most important for Kansas businesses or you get a free quote and review your options.

Kansas business insurance requirements

You’ll want to look at a combination of the following when shopping for business insurance in Kansas:

  • General Liability Insurance is a vital type of insurance that can help pay for damages resulting from accusations of injuries and property destruction.
  • Professional Liability Insurance helps cover damages if a client claims your company has delivered incomplete or unsatisfactory work, or failed to meet a deadline.
  • Workers’ Compensation Insurance helps injured workers pay for medical costs and covers some lost wages when they are hurt on the job.
  • Commercial Auto Insurance is designed to cover property and injury damage in the event of an accident involving a vehicle owned by a business.

General Liability Insurance

General Liability Insurance in Kansas City could save your small business a lot of money in the event of an accident. Renting office space is also often required.

General liability can help pay for claims made by someone not working for your company that you caused property damage or injuries. General liability covers lawyer fees, court expenses, and settlements that your business is held responsible for if sued.

For example, A Kansas City window cleaning company employee accidentally breaks a large piece of glass on the job and injures an office worker. General liability insurance helps cover the medical costs of the injured person and the cost to replace the broken glass up to the policy limit.

Tools & Equipment Insurance is an upgrade to general liability that many construction or cleaning companies will purchase. It helps replace or repair equipment that has been lost, stolen, or damaged.

Professional Liability Insurance

You may be required to pay financial losses if someone accuses you of making mistakes, submitting incomplete projects, or missing deadlines. A client may sue for damages if they feel that a professional has been negligent.

Businesses in Kansas that may face these risks should add professional liability coverage as part of their business insurance package. It is also called Errors and Omissions (E&O), and it can help your business pay for damages, legal fees, and court costs if you face a claim of professional negligence.

For example, a client may claim that a self-employed accountant in Lawrence committed a serious tax mistake, resulting in IRS fines. Professional liability insurance reimburses the client’s financial losses.

Workers Compensation Insurance

Kansas law, with a few exceptions, requires businesses that have full-time, seasonal, or part-time employees to carry workers’ compensation insurance.

Workers’ compensation coverage in Kansas pays up to $700 per week for lost wages if an employee needs time to recover from their injury.

In the following situations, someone might claim workers’ compensation:

A Wichita employee who works for a welding company fractures his arm after being struck by a metal piece. He racks up medical bills from X-rays to physical therapy. The workers’ compensation coverage covers the employee’s medical costs and lost wages.

Commercial Auto insurance

In the Sunflower State, drivers must have a minimum $50,000 auto insurance policy to cover claims for bodily injury and $25,000 property damage.

Businesses that own cars shouldn’t depend on their personal auto insurance policy to pay for business-related accident bills. Commercial Auto Insurance can help pay for these incidents. Companies that have multiple vehicles that are often on the road should carry more coverage than the minimum.

A Topeka plumber, for example, exits the Kansas Turnpike at a high speed and damages a company vehicle by hitting a guardrail. Commercial auto insurance can help the owner of the business repair the vehicle.

Hired-and-non-owned auto insurance can be a useful commercial auto coverage for small businesses in Kansas to cover accident damages when employees drive their vehicles for business or occasionally rent them.

How much does Kansas business insurance cost?

You might pay more or less depending on:

Your daily risks and your industry. You can expect to pay more if you and your workers are exposed to hazards regularly. Construction companies pay an average of $65 per month for Kansas business insurance due to the risk of property damage and injury. Fitness studio owners, on the other hand, spend an average of $15 a month.

The policy limits and the insurance types that you get. You can save a few dollars by choosing only the minimum insurance required by Kansas law or by skipping policies you don’t think you will ever need. But if you eventually need to file a claim, your business could suffer a greater financial loss.

The number of employees. Businesses in Kansas with more employees will pay higher worker’s compensation costs than businesses with fewer staff. A correct employee count is essential to ensuring that your business receives the most accurate quote.

Business insurance in Kansas: How BizInsure can assist you

With BizInsure, you can easily get a quote, buy coverage, and then share a Certificate of Insurance. It usually takes only a few moments to complete the entire process.

If you have questions, our team of U.S.-based licensed advisors is available to help.

Get Free Online Quotes and get coverage instantly

The coverage you need for your business.

Business insurance is divided into different policies. We offer 4 types so it's easy to design the coverage that fits your business.

Professional Liability Insurance

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General Liability Insurance

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Business Owner’s Policy (BOP)

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Workers Compensation Insurance

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The coverage you need for your business

Professional Liability Insurance

Get a quote

General Liability Insurance

Get a quote

Business Owner’s Policy (BOP)

Get a quote

Workers Compensation Insurance

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