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Considered the “Heart of The Heartland,” Kansas City, Missouri is known for its central location within the U.S.1 Residents and travelers love it for many reasons, and one is how easy it is to move throughout the city. In fact, five of the seven major railroads converge in Kansas City.2 The city also touts a business-friendly climate where businesses have access to:3
- Incubators
- Accelerators
- Educators
- Funders
- Mentors
- Networkers
Kansas City is a place that fostered the growth and success of businesses from the startup phase to an IPO or sale.4
Whether you’re planning to start a company or have already established a business, it’s important to get Kansas City business insurance to protect your business. Our specialists have helped small businesses in Kansas City and in Missouri get the protection they need. We can work with you to get Missouri (MO) business insurance that meets your company’s unique needs.
What Types of Insurance Do Kansas City Businesses Need?
Kansas City businesses may need different types of business insurance to protect their companies. Many businesses start with a Business Owner’s Policy (BOP), which combines three essential types of coverage.
You should also consider these other types of insurance for your Kansas City business:
Seguro general contra terceros
General liability insurance covers claims that your Kansas City business caused bodily injury or property damage to others. When it comes to general liability, Kansas City businesses face these risks during normal business operations. This coverage is also known as commercial general liability (CGL) insurance.
Seguro de compensación para trabajadores
Workers’ compensation insurance gives your employees benefits to help them recover from a work-related injury or illness. Be aware that if your Kansas City business has at least five employees, Missouri workers’ compensation law requires this coverage.
Seguro de responsabilidad profesional
Professional liability insurance helps cover claims that you made a mistake in the professional services given. If you get sued, this type of liability coverage can help pay for your court costs, settlements, judgments and attorney fees.
Seguro de propiedades comerciales
Commercial property insurance helps protect your owned or rented building, tools, equipment and inventory you use to operate.
Seguro comercial para automóviles
Commercial auto insurance helps protect you and your employee on the road if you drive a business-owned vehicle for work.
Seguro para la pérdida de datos
If your Kansas City business collects and stores personally identifiable information (PII), getting data breach insurance is a good idea. If there’s a breach or if you lose PII, data breach insurance can help cover your costs to notify impacted individuals and offer credit monitoring services. Some insurers call this coverage cyber liability insurance.
Is Business Insurance Required in Kansas City, MO?
Missouri requires Kansas City businesses to have workers’ compensation insurance if they have at least five employees. The state also requires businesses to have commercial auto insurance if it owns vehicles used for work purposes.
Even if a type of insurance isn’t required, it’s still a good idea to get coverage. Your Kansas City small business faces unique risks every day. Without insurance, you may have to pay out of pocket for claims, which can get costly.
How Much Does Business Insurance Cost in Kansas City?
Our customers paid an average of $1,060 annually, or $88 a month, for business insurance coverage in Missouri. For workers’ compensation insurance, customers in Missouri paid an average of $1,428 annually, or $119 a month.5
You’ll likely find that Kansas businesses pay different costs for insurance. That’s because insurance companies use different factors when determining costs. Esto puede incluir:
- Type of business
- Lugar
- Number of employees
- Revenue
- Policy details, like coverage limits and deductibles
The best way to find out how much business insurance will cost your Kansas City business is to get a cita.
Get a Quote for Business Insurance in Kansas City, MO
We’re an insurance company backed by more than 200 years of experience. We’ve helped over 1 million small business owners get the coverage they need. Our specialists understand the unique risks that Kansas City businesses face. So, whether you have questions about business insurance or need help with a claim, we’ve got your back.
Obtenga una quote today and see how we can help protect your Kansas City business.
Last Updated: November 16, 2023
1,2 Kansas City Economic Development Corporation, “Why KCMO”
3,4 Kansas City Economic Development Corporation, “How We Can Help: Entrepreneurship”
5 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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