Business is booming in Kansas, particularly in the eastern part of the state, home to Kansas City and its surrounding metropolitan area. Many industries call this area home, and most of them are dependent to some degree on technology, creating plenty of opportunity for IT service providers in this state. If you're serving customers in Kansas, protect your business investment with appropriate commercial insurance from TechInsurance. Our Kansas business insurance experts can help you assess your IT business's insurance needs, and can get you fast, affordable coverage for professional liability, general liability, property, workers' compensation and more.
If you've lived through tornado season in Kansas, you're probably not surprised to learn that this state averages about 55 tornadoes each year and has been terrorized by many powerful F5 tornadoes through the decades. 1 Because these storms can pop up at a moment's notice and cause extensive damage, Kansas business owners are wise to invest in both property and business interruption insurance, which can protect your income even if your IT business is temporarily forced to close due to a covered loss.
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If you're looking for any of the following types of insurance, we've got you covered:
Business Liability Insurance Package Policy. You may have heard this type of coverage called a "BOP," or Business Owner's Policy. This policy packages general liability insurance with property coverage at one affordable rate, giving you protection if a client should be accidentally injured at your location or if one of your employees causes property damage or bodily injury at a client's site.
Professional Liability Insurance. Commonly called "errors and omissions" or "E&O" insurance, this type of coverage protects you if your client should claim that mistakes, negligence or omissions you make on the job caused the client a financial loss. For professional services companies such as IT businesses, this is one type of insurance you shouldn't work without.
Workers' Compensation Insurance. Many states require companies with employees to carry workers' comp insurance, which pays for medical care and disability coverage for your employees if they should suffer a work-related illness or injury.
Employment Practices Liability Insurance. If you have employees, you need EPLI. This type of insurance protects you in the event that one of your employees claims an employment practice violation, such as sexual harassment; wrongful termination; or gender, race or age discrimination.