Kansas Business Insurance
Customized protection for your Kansas business
Kansas business owners should consider several types of business insurance to protect their livelihoods. Having the appropriate coverage is a crucial part of running a business because it can protect against several risks, from a customer slip and fall to an employee work injury.
Small businesses make up 99% of all businesses in Kansas and employ over 600,000 people, as reported by the U.S. Small Business Administration (SBA). In order to protect these employees, Kansas state law mandates nearly every business with one or more employees to carry workers’ compensation insurance.
Luckily, finding the coverages your business needs is easy with the Progressive Advantage® Business Program. Whether you need a business owners policy (BOP), workers’ compensation or a combination of coverages, our insurance experts can customize a quote for your Kansas small business.
Types of KS business insurance
How much does business insurance cost in Kansas?
The cost of business insurance in Kansas depends on a variety of factors, from a business’s number of employees to its location. For example, a small business located in Overland Park will have a different cost to insure than one in located in Wichita.
One of the most important cost factors is your profession. You can expect to be rated on the risks that are unique to your industry. The higher your business risk, the more you can expect to pay for coverage. Some high-risk professions, like tree trimmers and general contractors, require a specialized policy called excess and surplus (E&S) insurance.
Kansas business insurance requirements
Workers’ compensation is the only type of business insurance required by Kansas law. Almost every business with employees is required to carry it, but there are a few exceptions. Employers with an annual payroll below $20,000, real estate agents who work as independent agents and certain agricultural workers are exempt from this requirement. It’s best to consult the Kansas Department of Labor if you’re unsure whether you need to carry workers’ compensation for your employees.
While other business coverages aren’t legally required in Kansas, you should consider carrying them to give you the peace of mind that your livelihood’s protected. It can help shoulder the burden of an accident or claim against your business.
Resources for Kansas small business owners:
Kansas professions we insure
We help small business owners from a wide variety of industries, including these common professions:
Browse more examples of professions we insure.
Business insurance for all Kansas cities
We can customize business insurance in all Kansas cities, including, but not limited to: