Kansas Workers' Compensation Insurance

Protect your business and employees with Kansas workers' comp

Kansas workers' compensation insurance offers financial and medical support to employees injured on the job. This coverage also helps businesses comply with state regulations and promotes a safer workplace.

Get an online quote or talk to a Progressive Commercial agent to learn more about workers' comp in the Sunflower State.

Who needs workers' compensation insurance in Kansas?

Businesses in Kansas paying employees over $20,000 annually must have workers' compensation insurance. This rule applies to companies based outside of Kansas that operate in the state.

You can review Kansas workers' compensation laws for details.

Kansas workers' compensation insurance exemptions

Some businesses don't need coverage. Kansas workers' compensation exemptions include:

• Certain farm activities
• Small payroll employers
• Firefighters who waived coverage
• Realtors who qualify as independent contractors

To avoid potential issues, it's a good idea to check your exemption status with a professional. You should also review your licenses and contracts to see if coverage is required.

What are the penalties for not having workers' comp in Kansas?

Employers without workers' compensation insurance may face fines or have to cover medical expenses. The right coverage protects you from penalties and offers peace of mind. For guidance, call one of our agents or start a quote online.

How can you get workers' comp in Kansas?

If you're looking for Kansas workers' compensation insurance, here are some options to consider:

• Private insurers: Many Kansas businesses choose private insurers for workers' comp because they offer flexible plans and may provide extra benefits.
• Self-insurance: Companies can apply for individual self-insurance or join a self-insurance group fund through the Kansas Department of Insurance. While this can be cost-effective, businesses must manage their own policies.
• Assigned risk pool: Employers that can't get a workers' comp policy another way can apply for insurance through the Kansas Employers' Mutual Insurance Authority.

Exploring these choices can lead you to the right workers' compensation coverage for your business. If you have any questions we're here to help.

How does workers' comp work in Kansas?

Kansas workers' compensation insurance requires both employees and employers to follow certain steps. Make sure your team lets you know about any injuries right away. Once they do, you can file a claim with your insurance provider.

If the claim is approved, the employee will receive coverage for things like medical expenses, lost wages, and rehabilitation costs.

Workers' comp also protects businesses by reducing the chance of lawsuits. Employees who accept a settlement usually can't sue, but if they do, the insurance assists with legal costs.

Kansas workers' compensation death benefits

Kansas workers' comp death benefits financially support the families of deceased employees, helping them manage expenses. Dependents can receive:

• A lump-sum payment of up to $10,000 for funeral expenses
• Weekly payments equal to 67% of the workers' average wage

Total benefits are capped at $300,000, unless they're paid to a child under 18.

Kansas workers' compensation statute of limitations

In Kansas, workers' compensation requirements say an employee must ask for a hearing within three years of the accident or two years after the last payment, whichever is later. The claim must be resolved within three years of making the request.

Review the Kansas statute of limitations to find out more.

Why choose Progressive Commercial for Kansas workers' comp insurance

For over 50 years, we've been helping business owners protect what they've built by connecting them with the right insurance. We put our customers first and offer personalized solutions that support your growth and success.

Call an agent or start an online quote to customize a workers' comp policy with Progressive Commercial.