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.

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:

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

Hiscox rated 4.7/5
Rated 4.7/5

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.