Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Small business Health Insurance helps you offer your employees more inexpensive access to medical insurance. Everyone can benefit from lower rates or better coverage.
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
Business Interruption Insurance protects your small business if impacted by a covered risk. It'll cover the costs in replacing lost income and paying for additional expenditures. Also known as Business Interruption Coverage, this policy is usually part of your BOP (Business Owners Policy).
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
My employees use their cars for business. Is personal auto insurance enough in Kansas?
Most personal auto insurance policies exclude or limit coverage for vehicles used primarly for business purposes. In these cases, a Commercial Auto Insurance policy is required. You can reach out to our insurance experts to learn more.
How can I lower my insurance premiums in Kansas?
A policy review is often the best path to savings as well as discovering risks that may not be covered. You'll have the option to change deductibles or coverages, as well as review safety steps for your Kansas business.
How much General Liability Insurance is needed in Kansas?
Many Kansas businesses start a Commercial Liability Insurance policy with coverage limits of $1 million per occurrence and $2 million aggregate. Higher limits may be appropriate for some businesses or may be required by lenders.
Do I need insurance for my business in Kansas?
Kansas requires certain coverages, like Workers' Compensation if you have employees or Commercial Auto Insurance if your business uses vehicles. Additionally, other coverages, like General Liability Insurance, help protect your business against costly lawsuits.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: