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Choose The Hartford for All Your Kansas Business Insurance Needs
Kansas has over 256,000 small businesses, making up 99% of companies in the Sunflower State.1 These small businesses employ over 597,000 people, which is about 50% of employees in the state.2 Whether you’re planning to start a company or are in the middle of growing your current one, getting seguro de negocio is essential to having a successful company.
The Hartford has provided KS business insurance to companies 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 the right coverage. If you’re in Kansas City, Topeka, Wichita or anywhere else, The Hartford can help you.
How Much Is Business Insurance in Kansas?
Our small business customers in Kansas pay an average of $969 annually, or about $81 a month, for a Business Owner's Policy (BOP). This coverage combines three essential types of insurance into a single, convenient policy. For workers' compensation insurance in Kansas, our customers pay an average of $946 annually, or about $79 a month.
Remember, business insurance costs vary and the amount you pay may be different than the average. The best way to find out how much insurance will cost your Kansas business is to obtener una cotización.
Types of Kansas Business Insurance Offered
Kansas Business Owner’s Policy
Many Kansas small businesses start with a BOP for their insurance needs. A BOP includes:
This type of insurance can help your business 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 business owners to customize their policy so they can get the coverage they need.
Kansas General Liability Insurance
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else. Also known as commercial general liability insurance, it 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
Seguro de compensación para trabajadores
Kansas workers' compensation insurance, or workers' comp insurance, gives your employees benefits if they get a work-related injury or illness. It can help cover their medical bills, replace lost income if they can't work and provide death benefits to an employee's family if they lose their life.
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. 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.
Hired and Non-Owned Auto Insurance
If your business rents vehicles or you or your employees use personally owned vehicles for business, hired and non-owned coverage may be a good idea. It can help cover claims of bodily injury or property damage from an accident. It's important to know your personal car insurance policy won't cover claims if you get into an accident while driving your car for business purposes.
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
- Demandas
- Lesiones
- 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. That’s why professional liability insurance is important to have. Also known as errors and omissions insurance, it can help cover claims of:
- Negligence
- Misrepresentation
- Inaccurate advice
- Failure to perform professional services or a professional service error
- Libel or slander
- Failure to protect personally identifiable information (PII)
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?
Certain types of business insurance are required in Kansas. For example, employers in the state must carry workers’ compensation insurance if they have at least one employee.
Businesses that own or rent vehicles and use them for work purposes also need commercial auto coverage. Be sure your auto coverage meets the minimum liability insurance requirements in Kansas:4
- Bodily injury liability: $25,000/$50,000
- Property damage liability: $25,000
- Uninsured motorist bodily injury: $25,000/$50,000
- Underinsured motorist bodily injury: $25,000/$50,000
- Personal injury protection (PIP): $4,500 per person
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.
Get a Business Insurance Quote in Kansas
We're an insurance company backed by over 200 years of experience. We've helped more than 1 million small business owners get the coverage they need to protect their companies. Our specialists can work with you to understand your business and the risks it faces. We’ll help make sure you have the right coverage. Reciba una cotización today and see how The Hartford can give you peace of mind.
Última actualización: 9 de julio de 2024
1,2 U.S. Small Business Administration Office of Advocacy, “2021 Small Business Profile: Kansas.”
3,4 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.
4 Kansas Insurance Department, “Auto Insurance.”
Divulgaciones adicionales a continuación.