Kansas Business Insurance

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Protecting entrepreneurs in the Sunflower State

The more than 250,000 small businesses in Kansas make up 99.1% of all businesses in the Sunflower State and employ more than 600,000 people or just over half of all employees in Kansas's private sector. And that number is growing. In 2015, small businesses created more than 15,000 net jobs, with firms employing fewer than 20 employees experiencing the largest gains.

The Kansas Department of Commerce is especially supportive of the state's small businesses, whom Kansas Secretary of Commerce David Toland called "the heart and soul of the Kansas economy." But with more than 40,000 Kansas small businesses working in construction, manufacturing and other high-risk industries, it's essential for small business owners to safeguard themselves against potential claims and lawsuits. 

Top covered industries in Kansas

Hiscox provides small business insurance to a wide range of industries in Kansas, and thanks to Hiscox's in-depth knowledge of many different fields, we can offer tailored insurance policies that address each business's specific risks and needs. Some of the most common small businesses in Kansas that are insured through Hiscox include insurance agents, janitorial and cleaning services, handypersons, business consultants and personal trainers.

Insurance agents

Hiscox knows that even an insurance agent needs insurance for their business. And just as an insurance agent makes sure that their clients are protected against risk, Hiscox makes sure that insurance professionals are protected against the risks associated with being a small business owner in Kansas.

Typically, an insurance agent in Kansas will want the protection of professional liability insurance, also known as errors and omissions insurance. Professional liability insurance would protect an insurance agent if, for example, a client instructs the agent to purchase a policy and gives the agent a check for the premium, but forgets to bind the policy with the carrier. If the uninsured client is later involved in an accident, they may demand that the insurance agent pay for the loss. 

In addition, general liability insurance can protect an insurance agent against a third party's claims of damage to property, bodily injury, and associated medical costs, such as a claim from a client who slipped and fell in the insurance agent's office. 

Janitorial and cleaning services

Whether they specialize in cleaning private homes, businesses or manufacturing plants, Kansas's janitorial and cleaning services operate at a level of risk every day. They handle delicate and expensive items, they work on-site at customers' offices and homes, they operate cleaning equipment owned by clients, and they use harsh chemicals. Even baseless liability claims can drain a business's assets, so Hiscox specializes in providing tailored coverage that ensures that cleaning professionals are confident and protected against potential litigious situations.

General liability insurance, which protects against a third party's claims of bodily injury or property damage, is the most common policy used by janitorial and cleaning services. Protection against bodily injury might be needed, for example, if a client trips over an employee's mop and breaks an arm. Even if the client's injuries don't seem to be the employee's fault, the janitorial business can still be held liable for the cost of the client's medical care. In another scenario, an employee of the cleaning service might be dusting a client's home and accidentally break an antique figurine. The customer may demand that the cleaning service pay for the cost of replacing or repairing the antique. General liability insurance also protects against claims of personal injury, such as if an employee is overheard gossiping about a client, who then sues the business for slander.


A handyperson in Kansas will serve a wide variety of clients in a range of settings, from other business's storefronts to private homes or prestigious corporate offices. Dealing with others' personal property every day brings a heightened liability risk that can benefit from custom, comprehensive small business insurance, and an insurance policy inspires confidence in clients when they're deciding which company to hire for a repair or improvement project.

Most handypersons choose the protection of general liability insurance, which offers several essential benefits. Because it protects against bodily injury, the handyperson's business will be protected if, for example, an elderly client trips over the handyperson's ladder, falls and breaks a hip. The policy will cover the costs of the client's medical care. Because it protects against property damage, it will cover the costs of any items that may be broken if, for example, an employee knocks over a valuable lamp or painting. And because it protects against personal injury, the business will be protected if, for example, an employee on his coffee break is overheard gossiping about a client in a false and unflattering way and the client subsequently hears about the discussion and sues for slander. In those cases, the policy will cover the resulting claim and pay for a defense attorney when necessary.

Business consultants

With services that might include offering managerial advice, maintaining confidential information, and recommending financial plans and investment strategies, the job of a business consultant in Kansas is a sensitive one, so it can benefit from comprehensive small business insurance coverage.

Professional liability insurance, also called errors and omissions insurance, covers claims against businesses that provide professional and personal services, such as a business consultant. It offers protection even in cases where the business consultant hasn't made a mistake. For example, if a business consultant advises a client to change some internal process to increase productivity, and the client does not implement the recommendations exactly as specified. Productivity subsequently drops instead of improving, prompting the client to sue in an attempt to recoup the financial loss. A Hiscox-obtained defense attorney would defend the business consultant against this baseless claim of negligence, and the policy would cover any settlement or judgment.

General liability insurance, which protects against claims of bodily injury or property damage, protects business consultants in their office or on the road. If the consultant accidentally knocks over an expensive vase while visiting a client's office or if a client visiting the consultant's office trips, falls and sustains an injury, a general liability insurance policy will cover the costs of medical care or property repair or replacement.

Personal trainers

Personal trainers in Kansas might help clients recover after injuries, train for competitions, or simply get in shape. As personal trainers know well, training is a physically demanding and sometimes risky activity. Whether it's an injury sustained during a workout or chronic pain that might start occurring after sessions, the risks that come along with any fitness regimen may prompt litigious clients to file liability claims, even when their personal trainers have done nothing wrong.

Professional liability insurance, also called errors and omissions insurance, which covers claims against businesses that provide professional and personal services, will offer protection even in cases where the personal trainer hasn't made a mistake. For example, if an older client happens to suffer chest pain and has to be rushed to the hospital after a session with a personal trainer, he may later claim that the personal trainer's actions caused his heart attack and mental anguish. Not only will a Hiscox professional liability policy appoint an attorney to defend against such claims, but it will also cover the costs of any settlement or judgment.

In addition, the physical nature of a personal trainer's business can use the protection of general liability insurance, which protects against claims of bodily injury or property damage. This would protect the personal trainer's business if, for example, a client trips over an exercise ball and blames the trainer for not keeping the floor clear.

More professions we also insure in Kansas

Kansas Small Business Insurance

As small business insurance specialists we understand that every business is different, which is why we don’t offer one-size-fits-all solution. We customize our small business insurance in Kansas to the specific risks you face, ensuring you get the right coverage at the right price. Hiscox small business insurance products include:

General Liability Insurance for Kansas

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

  • Bodily injury: A customer comes into a retail store on a rainy day and slips on the tile floor, breaking their wrist. The store owner is liable for the medical costs associated with the customer's injury, but could be protected by a general liability insurance policy.
  • Property damage: A realtor is showing a client a home that contains a lot of expensive antiques. During the showing, an expensive vase is broken. The realtor's general liability policy could cover the cost to replace the vase.
  • Data loss: An IT consultant is installing a new network at a client's office. While transferring the data from the old server to the new one, several important files are corrupted. The client sues the consultant for the financial implications of the lost data. A general liability policy could cover these costs, protecting the IT consultant.

Learn more about general liability insurance costs to make a smart and forward-thinking decision for your business.

Professional Liability Insurance for Kansas

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

  • Dissatisfied client: An architect designs a large-scale home renovation for an indecisive client. After the project is complete, the client sues the architect for failing to meet the deadline and budget, despite the fact that the overages were due to multiple change requests by the client. A professional liability policy could protect the architect, paying his defense costs as well as any settlement or judgment.
  • Negligence: The client of a home healthcare aide is hospitalized with an infection, which the client's family says was caused by wound dressings that were not changed frequently enough. The family sues the aide. The costs could be covered by the aide's professional liability insurance policy.

Learn more about professional liability insurance.

Did you know?

Nationwide, employers with at least 15 employees must guarantee freedom from discrimination based on race, color, national origin, sex, religion and disability; employers with at least 20 employees must guarantee freedom from age discrimination; and employers with at least four employees must guarantee freedom from discrimination based on citizenship status.

However, Kansas's labor laws go above and beyond these minimum protections. Employers with as few as four employees are required to guarantee freedom from discrimination based on race, color, ancestry, national origin, sex, religion, age, disability, HIV/AIDS status, genetic information or military status or service. As of January 2019, state government employees and contractors are protected from discrimination based on sexual orientation and gender identity; bills to extend the same protections to employees in the private sector were introduced shortly thereafter.  

Like most states, Kansas is an "at-will" employment state, meaning that employment can be terminated at any time for any reason, but fired employees can still sue for breach of contract if their employment contract promises job security. In Kansas, an employment contract may be written, oral or even implied—the idea that an employer has acted in a way that created an impression of job security.

All these regulations work together to protect Kansas's workers, but they also open the door for potential wrongful termination or discriminatory hiring lawsuits. With labor laws and small business regulations constantly evolving, small businesses in Kansas need to stay on top of potential litigation risks and consider protecting themselves through general liability insurance, errors and omissions insurance, workers compensation insurance and other comprehensive coverage.


Kansas workers compensation laws

According to the National Federation of Independent Businesses, all employers with a gross payroll of over $20,000 are required to carry workers compensation insurance. The payroll minimum includes the wages of executive officers and employees located outside of Kansas; however, it excludes wages paid to sole proprietors, partnership owners and owners' family members.

Agricultural employers are exempt from workers compensation requirements. Sole proprietors, partners and LLC members can choose to exempt themselves, as can independent contractors with no employees. However, business owners' family members who are not true owners of the company—specifically, who do not own at least 10 percent of the business themselves—must be included in the coverage and cannot choose to be excluded.

Kansas employers may provide for the payment of workers compensation claims through workers compensation insurance obtained from a licensed insurance carrier, such as Hiscox; through self-insurance or demonstrating to the state that the business is able to pay any claims that might arise; or through a group-funded pool of employers who form a joint self-insurance program administered by the Kansas Department of Insurance. 

Employers who are found to have intentionally failed to provide for workers compensation payments in one of these ways are guilty of a class A misdemeanor and are subjected to a civil penalty of either $25,000 or twice the annual premium the employer would have paid for insurance—whichever amount is greater.

How can Hiscox help your Kansas business?

At Hiscox, you'll never be stuck with a one-size-fits-all, generic insurance policy. Instead, we ensure that each client's coverage, whether it's general or professional liability insurance, a business owner's policy, workers compensation or beyond, meets the specific needs of not only the industry but also the individual business. We also offer a range of benefits:

  • Flexible payment options. Our no-fee monthly payment schedule can help manage a small business's cash flow.
  • Tailored insurance. With Hiscox, you'll never pay for coverage you don't need.
  • Claims responsiveness. When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you. 
  • Worldwide coverage. A Kansas business insured through Hiscox is covered for work done anywhere, as long as the claim is filed in the U.S., a U.S. Territory, or Canada.


Get a fast, free quote now, and get the protection you need for your Kansas business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

Hiscox Customer Reviews

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Rated 4.8/5

5 Stars

Karin, Kansas City, KS

“2 thumbs up”

Efficient and painless application process. Excellent customer support. Rapid turn-around on response.


5 Stars

Damien, Overland Park, KS

“Very easy and affordable”



5 Stars

Cathy, Florida

"Very satisfied with Hiscox process!!"

Overall, I really liked the ease of completing my insurance needs online. The process is extremely quick and easy read and fill in the correct answer to complete an application. I plan on applying for another policy as soon as I complete my franchise paperwork.


4 Stars

Rangile, Florida

"E & O Coverage. Fast and easy quote process; policy is reasonably priced. Speedily and efficient”


5 Stars

Matthew, Austin, TX

"Great phone help" My experience with the phone operator was excellent; she educated me and coached me through the process of getting liability insurance for my business.


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All of our insurance products have been fully approved by the Kansas Insurance Department and are underwritten by Hiscox Insurance Company Inc., an Illinois insurance company whose license number is 4539.

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and may not be available in all states.

Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 5 Concourse Parkway, 21st Floor, Atlanta, GA 30328.