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Recommended insurance policies for small businesses in Kansas
These insurance products defend Kansas small business owners against common lawsuits and other top risks.
General liability insurance
A commercial general liability policy covers common third-party risks for small businesses in Kansas, including customer property damage and injuries. Commercial leases often require this coverage.
- Customer injuries at your company
- Damaged customer property
- Slander and other advertising injuries
Errors and omissions insurance
This policy is also called E&O insurance or professional liability insurance. It protects professionals against legal defense costs related to mistakes, missed deadlines, and oversights.
- Work errors and oversights
- Professional negligence lawsuits
- Late or incomplete work
Professional liability insurance
This type of coverage protects Kansas businesses against lawsuits related to the quality of their professional services or advice. It's also referred to as errors and omissions insurance.
- Mistakes and oversights
- Breach of contract
- Missed deadlines
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage at a discount. It's often the most cost-effective type of insurance for a Kansas business.
- Customer injuries
- Damaged customer property
- Damaged business property
Workers' comp insurance
Kansas law requires workers' comp for almost every business. Sole proprietors and independent contractors also buy this coverage, as personal health insurance won’t cover work injuries.
- Employee medical expenses
- Disability benefits
- Legal costs from workplace injuries
Cyber insurance
This policy protects Kansas small businesses against financial losses from data breaches and cyberattacks. It’s sometimes called cyber liability insurance or cybersecurity insurance.
- Data breach notification costs
- Fraud monitoring services
- Ransomware attacks
Commercial auto insurance
This policy is required for vehicles owned by Kansas small businesses. It helps cover financial losses from an accident, along with other types of damage.
- Injuries caused by your vehicle
- Property damage caused by your vehicle
- Vehicle theft and vandalism
Fidelity bonds
A fidelity bond reimburses your clients in the event of employee theft. Clients, especially those in financial services, may ask you to secure a bond before they will work with your business.
- Illegal electronic funds transfer
- Forged signatures
- Theft of cash or property
Commercial umbrella insurance
An umbrella policy boosts the coverage of your general liability, commercial auto, and employer's liability insurance. It can help your small business comply with requests for higher liability limits.
- Personal injury lawsuits
- Auto accident lawsuits
- Workplace injury lawsuits
Looking for different coverage? Check out our other policies.
What are the insurance requirements for small businesses in Kansas?
State laws can affect which policies you need for your small business. These types of business insurance are often required in Kansas.
Workers' compensation insurance
Kansas state law requires all businesses with a payroll of more than $20,000 to carry workers’ compensation coverage. This policy covers medical costs for work-related injuries and illnesses. It also provides partial lost wages while the injured employee is unable to work.
Most workers' comp policies include employer's liability insurance, which helps pay for legal expenses related to employee injuries.
Commercial auto insurance
Vehicles owned by limited liability companies (LLCs), startups, and other businesses in Kansas must be covered by commercial auto insurance. This type of insurance covers financial losses from auto accidents involving your business vehicle.
Kansas' auto insurance requirements are:
Liability coverage:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $25,000 per accident for property damage
Personal injury protection (PIP):
- $4,500 per person for medical expenses
- $900 per month for one year for disability/loss of income
- $25 per day for in-home services
- $2,000 for funeral, burial, or cremation expenses
- $4,500 for rehabilitation expenses
Uninsured/underinsured motorist:
- $25,000 per person
- $50,000 per accident
Personal, rented, and leased vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
How much does small business insurance cost in Kansas?
Commercial insurance can be affordable for small businesses with low risks. Average costs for TechInsurance customers in the Sunflower State are:
General liability: $42 per month
Professional liability / E&O: $67 per month
Workers' compensation: $52 per month
Factors that influence the cost of business insurance include:
- Your type of business
- Business operations
- Number of employees
- Value of your business equipment
- Deductibles and policy limits
- The coverage options you choose
- Claims history
Why Kansas business owners choose TechInsurance
Gain financial protection
The costs from a lawsuit or data breach can overwhelm a small business. Protect against common risks with the right business insurance coverage.
Find insurance policies for your small business in Kansas
Whether you need coverage to sign a contract, rent an office, or get a license, TechInsurance can help you find the right business insurance policies. Our insurance agents are licensed in Kansas and can help you find affordable coverage from top-rated insurance companies.
Fill out our easy application to get business insurance quotes today. You can chat with an agent about your business insurance needs and get answers to any questions. When you're ready, pay for a policy online and get a certificate of insurance (COI) immediately to show clients that you're protected.
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