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Choose The Hartford for All Your Kansas Business Insurance Needs
Kansas has over 258,000 small businesses, making up 99% of companies in the Sunflower State.1 In 2021, these small businesses employed over 601,000 people, making up 50% of employees in the state.2 Whether you’re planning to start a company or already have a small business, getting seguro de negocio is essential to protecting your business.
We’ve been providing Kansas (KS) insurance to businesses across the state for more than 100 years. We know what small business owners like you are looking for, and we can make sure you have what you need for business insurance. Wichita, KS is known for its aircraft industry, but no matter what you do or where you are throughout the state, we can help your small business stay protected – whether you’re in Kansas City, Topeka or in a small town out west.
Types of Kansas Business Insurance Offered
Kansas Business Owner’s Policy
Many Kansas small businesses start with a Business Owner’s Policy (BOP). This combines three essential types of coverage to help protect you from risks that can come up during normal operations, like bodily injury or property damage. A BOP includes:
Getting a BOP is smart for your Kansas business. You may want to consider it if:
- A customer or client can sue your business or company located within Kansas.
- Your business has a physical location that customers and employees use, such as a home office or a rented or owned building.
- You have business assets that can get damaged, stolen or compromised. This includes digital property, office furniture, equipment, customer data, inventory and cash.
When you get a BOP, we make it easy for Kansas businesses to customize your policy to get the liability coverage and other types of insurance your business needs.
Kansas General Liability Insurance
General liability insurance covers claims that your Kansas small business caused:
- Lesiones corporales
- Property damage to someone else’s belongings
- Personal injury, like libel or slander
This coverage is also known as commercial general liability insurance or business liability insurance. This coverage can help your business if:
- Someone slips and falls while visiting your business in Wichita
- Your employee accidentally damages a client’s property while working in their Olathe home
- A business owner claims your business slandered them after you made comments in a local news interview
Kansas Commercial Auto Insurance
Kansas el seguro comercial para automóviles helps protect you and your employees on the road while driving company-owned vehicles for business. If your small business owns or rents trucks, it’s a good idea to have commercial truck insurance in Kansas. This may also be known as semi-truck insurance. It can help protect your business from trucking liability risks while your drivers are out on the road.
This coverage can help your business if:
- An employee hits a pedestrian in Leawood while driving your business’ truck and they require medical treatment.
- You accidentally swerve off the road in Wichita, crashing into a mailbox that you have to pay to replace.
- Your driver hits another car in Topeka while making a delivery to a customer.
Business Insurance in Kansas for Home-Based Businesses
Do you run your business out of your Kansas home? If so, your homeowners insurance policy may not offer enough protection. Home-based business insurance helps cover financial losses that you’re responsible for, including:
- Daños a la propiedad
- Data loss
If you’re wondering if you need home-based business insurance, ask yourself:
- Do clients or potential customers come to my home?
- ¿Tengo empleados que trabajan dentro o fuera de mi casa?
- Do I keep inventory for my business in my home or an additional third-party location?
- Do I maintain client records on my computer?
If you answered yes to any of these questions, you might want to get home-based business insurance policy to help protect your Kansas small business.
Professional Liability Insurance in KS
If your Kansas small business provides a professional service, customers or clients can sue you for making mistakes. Even if you don’t make a mistake, you can still get sued. That’s why professional liability insurance is important. It can help cover claims of:
- Inaccurate advice
- Failure to perform professional services or a professional services error
- Libel or slander
- Failure to protect personally identifiable information (PII)
You may have heard other names for this coverage, such as errors and omissions insurance or E&O insurance.
Professional liability insurance can help your business if:
- A customer sues you because they blame your Wichita consulting firm for a decline in sales.
- Your client has to pay penalties after your Shawnee accounting firm misfiled their tax returns.
- Your interior design firm gets sued because a client says you staged their Topeka home incorrectly.
Is Business Insurance Required in Kansas?
Kansas has certain business insurance requirements. For example, Kansas employers must carry workers’ compensation insurance. This coverage gives your employees benefits to help them recover from work-related injuries or illnesses.
There are few exceptions to Kansas’ workers’ compensation law. For example, businesses in the agriculture industry with less than $20,000 in payroll don’t need workers’ compensation coverage.
Visite el sitio Kansas Department of Labor website to read more about the state’s workers’ compensation requirements.
Businesses that own or rent vehicles and use them for work purposes also need commercial auto coverage. For example, Kansas trucking companies would need to make sure they have the minimum auto coverage requirements.
See the minimum mandatory coverages and limits for Kansas trucking insurance and auto coverage on the state’s Department of Insurance website.
Even if you’re not legally required to have coverage, it’s still a good idea. Without it, your business could be responsible for claims that can be financially devastating for your small business.
Cost of Business Insurance in Kansas
The cost for business insurance in Kansas varies and depends on the type of coverage. Our customers paid an average of $969 a year, or about $81 a month, for business insurance coverage in Kansas. For workers’ compensation insurance, customers in Kansas paid an average $946 annually, or about $79 a month. 3
Insurance companies use different factors to determine coverage costs. This can include:
- Type of business
- Number of employees
- Policy details, like coverage limits and deductibles
Additional Kansas Business Insurance Links
- Seguro de compensación para trabajadores
- Seguro comercial para automóviles
- Seguro para ingresos comerciales
- Seguro comercial contra inundaciones
- Seguro para la pérdida de datos
- Management & Professional Liability
- Surety Bonds
- Seguro para empresa con base en su hogar
- Responsabilidad por prácticas de empleo
- Ingeniería de riesgo
- Soluciones sensibles a las pérdidas (deducibles)
Last Updated: November 20, 2023
1,2 U.S. Small Business Administration Office of Advocacy, “2021 Small Business Profile: Kansas”
3 Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.
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