We've compiled answers to common Kansas general liability insurance questions to help you find the best business insurance for your needs. Our FAQ draws from MoneyGeek's comprehensive research and analysis:
Best General Liability Insurance in Kansas
The Hartford leads Kansas as the best and cheapest general liability insurer, with coverage starting at $79 per month.
Get matched to the best and cheapest general liability insurer for you below.
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Updated: November 21, 2025
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Commercial General Liability Insurance in Kansas: Fast Answers
Which company offers the best general liability insurance in Kansas?
The Hartford ranks as the best general liability insurance company in Kansas with a 4.60 overall score out of 5. It provides affordable coverage at $79 per month with reliable claims handling. NEXT follows closely as the runner-up with a 4.56 score, offering excellent digital experience and customer service for $100 per month.
Who offers the cheapest general liability insurance in Kansas?
The cheapest general liability insurance companies in Kansas are:
- The Hartford: $79 per month
- Simply Business: $93 per month
- Nationwide: $94 per month
- Progressive: $97 per month
- NEXT: $100 per month
Do Kansas businesses legally need general liability insurance?
Kansas doesn't legally require general liability insurance for most businesses statewide. However, certain licensed professionals like contractors and electricians may need minimum coverage to maintain their licenses. Local municipalities can also set their own insurance requirements for business permits. Even when not legally mandated, most landlords and clients require proof of coverage before signing contracts or leases.
How much does general liability insurance cost in Kansas?
General liability insurance costs between $16 and $893 per month for small Kansas businesses with two employees. The drone industry sees the lowest rates at $16 per month, while pressure washing businesses pay the highest at $893 per month. Your actual premium depends on your industry, location, coverage limits, and business size.
Best General Liability Insurance Companies in Kansas
The Hartford leads our analysis for general liability insurance in Kansas, offering an excellent balance of affordability and financial stability for small businesses. NEXT and Nationwide also perform well, with NEXT excelling in customer service and Nationwide providing solid affordability and stability for Kansas business owners.
| The Hartford | 4.60 | $79 |
| NEXT Insurance | 4.56 | $100 |
| Nationwide | 4.51 | $94 |
| Simply Business | 4.47 | $93 |
| Coverdash | 4.36 | $100 |
| Thimble | 4.30 | $104 |
| biBERK | 4.28 | $111 |
| Progressive Commercial | 4.26 | $97 |
| Chubb | 4.25 | $115 |
| Hiscox | 4.17 | $111 |
How Did We Determine These Rates?
These rates reflect MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
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LEARN MORE ABOUT THE BEST BUSINESS INSURANCE IN KANSAS
General liability insurance shields Kansas businesses from customer injury and property damage claims, but it won't cover every business risk you may encounter. Explore these additional guides for comprehensive financial protection:
Best Kansas General Liability Insurance Reviews
Finding the best general liability insurance in Kansas requires looking beyond price alone. Our research analyzed top business insurers in the state to help you make an informed decision.
The Hartford
Best Kansas General Liability Insurer
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Points
Average Monthly General Liability Premium
$79These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
4.5/5Our Survey: Likely to Be Recommended to Others
4.5/5
NEXT
Best Kansas Commercial General Liability Customer Experience
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Points
Average Monthly General Liability Premium
$100These rates are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Our Survey: Claims Process
3.9/5Our Survey: Likely to Be Recommended to Others
4.8/5
Cheapest General Liability Insurance Companies in Kansas
The Hartford offers the cheapest general liability insurance in Kansas at $79 per month, saving businesses $21 or 21% compared to the state average. Simply Business and Nationwide also provide affordable coverage options.
| The Hartford | $79 | $953 |
| Simply Business | $93 | $1,116 |
| Nationwide | $94 | $1,130 |
| Progressive Commercial | $97 | $1,166 |
| NEXT Insurance | $100 | $1,201 |
| Coverdash | $100 | $1,205 |
| Thimble | $104 | $1,250 |
| Hiscox | $111 | $1,330 |
| biBERK | $111 | $1,331 |
| Chubb | $115 | $1,385 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
Cheapest General Liability Insurance in Kansas by Industry
MoneyGeek's research identifies the five most affordable general liability insurance providers across industries in Kansas.
- The Hartford wins affordability in 21 industries, making it the cheapest option for businesses ranging from construction and cleaning to transportation and security services.
- Simply Business offers the lowest rates in 11 industries, excelling with professional service businesses like accountants, lawyers and consultants.
- Thimble provides cheap coverage across 10 industries, showing strong performance for service-based businesses including barbers, dog grooming, tutoring and roofing companies.
- Nationwide and biBerk each lead in nine industries. Nationwide performs best for electrical, manufacturing and real estate businesses, while biBerk dominates among contractors, engineering firms and hospitality companies.
- Progressive rounds out the top five by offering affordable rates in eight industries, with strong results for retail businesses like bakeries, beauty salons and coffee shops.
Data filtered by:
Select
| Accountants | Simply Business | $14 | $168 |
| Ad Agency | Thimble | $97 | $1,162 |
| Auto Repair | Coverdash | $112 | $1,346 |
| Automotive | Coverdash | $107 | $1,287 |
| Bakery | Progressive Commercial | $86 | $1,033 |
| Beauty Salon | Progressive Commercial | $109 | $1,313 |
| Barber | Thimble | $96 | $1,148 |
| Cannabis | The Hartford | $51 | $614 |
| Bounce House | The Hartford | $53 | $642 |
| Candle | Simply Business | $94 | $1,122 |
| Coffee Shop | Progressive Commercial | $85 | $1,017 |
| Catering | biBERK | $166 | $1,988 |
| Cleaning | The Hartford | $97 | $1,161 |
| Computer Repair | The Hartford | $36 | $433 |
| Computer Programming | Thimble | $96 | $1,148 |
| Construction | The Hartford | $126 | $1,511 |
| Consulting | Simply Business | $14 | $168 |
| Daycare | The Hartford | $25 | $298 |
| Contractor | biBERK | $199 | $2,383 |
| Courier | The Hartford | $162 | $1,939 |
| Dental | NEXT Insurance | $12 | $146 |
| DJ | Simply Business | $11 | $134 |
| Drone | The Hartford | $12 | $149 |
| Dog Grooming | Thimble | $35 | $419 |
| Engineering | biBERK | $16 | $196 |
| Ecommerce | Simply Business | $94 | $1,122 |
| Electrical | Nationwide | $99 | $1,186 |
| Florist | Simply Business | $30 | $358 |
| Excavation | biBERK | $361 | $4,329 |
| Food Truck | The Hartford | $107 | $1,288 |
| Food | Progressive Commercial | $103 | $1,235 |
| Funeral Home | NEXT Insurance | $43 | $516 |
| Handyman | biBERK | $170 | $2,039 |
| Gardening | Coverdash | $93 | $1,119 |
| HVAC | Thimble | $105 | $1,257 |
| Home-based | The Hartford | $17 | $203 |
| Home-based | NEXT Insurance | $45 | $536 |
| Hospitality | biBERK | $136 | $1,634 |
| Manufacturing | Nationwide | $20 | $234 |
| Janitorial | Nationwide | $95 | $1,139 |
| Jewelry | Thimble | $159 | $1,912 |
| Junk Removal | The Hartford | $123 | $1,473 |
| Lawn/Landscaping | Progressive Commercial | $93 | $1,112 |
| Lawyers | Simply Business | $14 | $168 |
| Marine | The Hartford | $23 | $272 |
| Massage | Hiscox | $90 | $1,074 |
| Nonprofit | biBERK | $26 | $307 |
| Mortgage Broker | NEXT Insurance | $15 | $184 |
| Moving | Nationwide | $84 | $1,003 |
| Pest Control | The Hartford | $24 | $293 |
| Painting | The Hartford | $107 | $1,287 |
| Party Rental | Nationwide | $84 | $1,002 |
| Personal Training | The Hartford | $18 | $217 |
| Pharmacy | biBERK | $98 | $1,178 |
| Pet | Thimble | $35 | $419 |
| Plumbing | Simply Business | $263 | $3,160 |
| Photography | NEXT Insurance | $13 | $156 |
| Physical Therapy | Nationwide | $19 | $233 |
| Restaurant | Coverdash | $96 | $1,156 |
| Pressure Washing | Progressive Commercial | $863 | $10,360 |
| Real Estate | Nationwide | $117 | $1,401 |
| Retail | Progressive Commercial | $89 | $1,069 |
| Roofing | Thimble | $201 | $2,417 |
| Software | Simply Business | $14 | $168 |
| Security | The Hartford | $107 | $1,282 |
| Snack Bars | The Hartford | $87 | $1,042 |
| Spa/Wellness | Progressive Commercial | $104 | $1,244 |
| Startup | Simply Business | $14 | $168 |
| Speech Therapist | Nationwide | $19 | $233 |
| Speech Therapist | Simply Business | $19 | $233 |
| Tech/IT | NEXT Insurance | $15 | $184 |
| Tree Service | Nationwide | $84 | $1,003 |
| Transportation | The Hartford | $30 | $364 |
| Travel | The Hartford | $15 | $184 |
| Tutoring | Thimble | $96 | $1,148 |
| Trucking | Coverdash | $98 | $1,181 |
| Veterinary | biBERK | $24 | $290 |
| Wholesale | Coverdash | $33 | $394 |
| Wedding Planning | Thimble | $84 | $1,008 |
| Welding | The Hartford | $130 | $1,562 |
| Window Cleaning | The Hartford | $124 | $1,494 |
Average Cost of General Liability Insurance in Kansas
Most small businesses in Kansas pay around $100 monthly for general liability insurance. The average cost of general liability coverage changes based on your industry, business size, location and coverage limits.
Manufacturing companies often pay higher premiums due to increased risk exposure, while accounting firms tend to pay less because of lower claim potential. Sole proprietors generally see cheaper rates compared to businesses with employees since they have fewer liability exposures.
Average Cost of General Liability Insurance in Kansas by Industry
Kansas businesses pay between $16 and $893 monthly for general liability coverage, with drone companies having the most affordable rates and pressure washing businesses facing the highest costs. Review the table below to find typical rates for your specific industry.
Data filtered by:
Select
| Accountants | $22 | $258 |
| Ad Agency | $35 | $414 |
| Automotive | $52 | $624 |
| Auto Repair | $148 | $1,780 |
| Bakery | $88 | $1,058 |
| Barber | $43 | $519 |
| Beauty Salon | $65 | $782 |
| Bounce House | $69 | $823 |
| Candle | $54 | $643 |
| Cannabis | $65 | $785 |
| Catering | $86 | $1,027 |
| Cleaning | $129 | $1,551 |
| Coffee Shop | $88 | $1,051 |
| Computer Programming | $28 | $341 |
| Computer Repair | $46 | $558 |
| Construction | $171 | $2,054 |
| Consulting | $21 | $257 |
| Contractor | $249 | $2,985 |
| Courier | $191 | $2,289 |
| Daycare | $32 | $385 |
| Dental | $21 | $252 |
| DJ | $25 | $296 |
| Dog Grooming | $62 | $743 |
| Drone | $16 | $195 |
| Ecommerce | $71 | $857 |
| Electrical | $110 | $1,317 |
| Engineering | $39 | $467 |
| Excavation | $454 | $5,454 |
| Florist | $42 | $501 |
| Food | $105 | $1,261 |
| Food Truck | $138 | $1,660 |
| Funeral Home | $59 | $707 |
| Gardening | $110 | $1,316 |
| Handyman | $238 | $2,859 |
| Home-based | $23 | $278 |
| Home-based | $45 | $536 |
| Hospitality | $64 | $764 |
| HVAC | $239 | $2,873 |
| Janitorial | $134 | $1,606 |
| Jewelry | $39 | $472 |
| Junk Removal | $159 | $1,903 |
| Lawn/Landscaping | $117 | $1,408 |
| Lawyers | $22 | $267 |
| Manufacturing | $62 | $749 |
| Marine | $27 | $328 |
| Massage | $94 | $1,122 |
| Mortgage Broker | $22 | $268 |
| Moving | $121 | $1,453 |
| Nonprofit | $35 | $420 |
| Painting | $140 | $1,684 |
| Party Rental | $78 | $931 |
| Personal Training | $23 | $280 |
| Pest Control | $31 | $378 |
| Pet | $55 | $656 |
| Pharmacy | $60 | $724 |
| Photography | $24 | $283 |
| Physical Therapy | $108 | $1,291 |
| Plumbing | $353 | $4,234 |
| Pressure Washing | $893 | $10,721 |
| Real Estate | $52 | $623 |
| Restaurant | $142 | $1,698 |
| Retail | $64 | $766 |
| Roofing | $379 | $4,544 |
| Security | $136 | $1,629 |
| Snack Bars | $115 | $1,375 |
| Software | $26 | $308 |
| Spa/Wellness | $104 | $1,250 |
| Speech Therapist | $30 | $366 |
| Startup | $28 | $335 |
| Tech/IT | $26 | $309 |
| Transportation | $37 | $440 |
| Travel | $20 | $244 |
| Tree Service | $127 | $1,520 |
| Trucking | $100 | $1,202 |
| Tutoring | $30 | $354 |
| Veterinary | $44 | $525 |
| Wedding Planning | $27 | $325 |
| Welding | $161 | $1,931 |
| Wholesale | $44 | $523 |
| Window Cleaning | $155 | $1,865 |
How Did We Determine These Rates?
These rates reflect small businesses with two employees across 79 major industries and focus solely on general liability policies. Your premium depends on where your business is located, what industry you're in, how much coverage you choose and other factors insurers consider. Available options differ by state.
What Factors Affect Kansas General Liability Insurance Costs?
Many factors influence general liability insurance costs for Kansas businesses.
Kansas Severe Weather Risk
Kansas ranks among the top states for tornado frequency, with severe storms causing billions in damage each year according to NOAA data. In 2023 alone, insurers paid $442.8 million across 147,710 weather-related claims.
Businesses with physical locations take on higher property damage liability risk when customer property is harmed during storms or when building conditions worsen. Insurers factor this tornado-prone environment into general liability premiums, with higher costs for businesses that operate outdoors or rely on steady foot traffic during severe weather seasons.
Kansas Tort Reform Environment
In 2019, the Kansas Supreme Court struck down the state's $350,000 cap on non-economic damages in the Hilburn case for non-medical malpractice claims. Kansas also maintains the collateral source rule, preventing juries from knowing about third-party payments to injured parties.
These factors allow potentially higher jury awards for pain and suffering in slip-and-fall and other liability cases. Without damage caps limiting exposure, insurers deal with greater uncertainty in potential payouts, which drives up general liability premiums for Kansas businesses compared to states with stricter tort reform.
Kansas Comparative Negligence Standard
Kansas uses a modified comparative negligence system where injured parties can recover damages if they're less than 50% at fault. An injured customer who's 49% responsible can still collect 51% of damages from a business. This standard is more generous to plaintiffs than contributory negligence states where any fault bars recovery.
Insurers must account for these partial liability awards when calculating general liability premiums. Even when businesses share fault with injured parties, they can still be responsible for substantial payouts, which drives coverage costs higher across Kansas.
Kansas County-Level Risk Variations
General liability insurance rates vary across Kansas counties based on local claim patterns. Johnson County had the highest storm damage payouts in 2023, while western counties like Greeley saw the lowest. Urban areas such as Wichita, the Kansas City metro and Topeka tend to have more claims due to population density and increased foot traffic.
Rural regions deal with different risks, including severe weather exposure and longer emergency response times. Insurers adjust premiums based on your exact business location, with metropolitan areas often paying the most.
How Much General Liability Insurance Do I Need in Kansas?
Kansas has no statewide general liability insurance mandate for most businesses. However, understanding the requirements for commercial general liability insurance helps you determine adequate coverage for your operation.
Local jurisdictions impose specific minimums for licensed contractors, while state law applies to select professions. Cities like Topeka and Kansas City require contractors to provide proof of liability insurance for licensing, though specific minimums vary by jurisdiction. Even without legal obligations, most Kansas businesses carry $1 million per occurrence and $2 million aggregate limits. Below are Kansas-specific requirements with documented minimums:
Kansas public liability insurance requirements for elevator contractors and inspectors
State law sets specific insurance thresholds for these professionals. You'll need $1 million per occurrence coverage for bodily injury or death, plus $500,000 per occurrence for property damage.
Kansas public liability insurance requirements for Wichita contractors (electrical, HVAC, plumbing, general)
The Sedgwick County Metropolitan Area Building and Construction Department won't license you without proof of insurance. Their minimum is $300,000 in general liability coverage.
Note: State insurance rules change regularly. Check current requirements with the Kansas Department of Insurance or a licensed agent before purchasing coverage.
How to Choose the Best General Liability Insurance in Kansas
Small business owners in Kansas should evaluate coverage limits, exclusions and costs when getting business insurance that protects against third-party injury and property damage claims. General liability insurance provides financial protection when customers, vendors or other parties sue your business.
- 1Determine Coverage Needs
Kansas contractors usually carry $1 million per occurrence and $2 million aggregate limits, with local jurisdictions like Wichita requiring at least $300,000 in coverage. Most Kansas businesses aren't legally required to carry general liability insurance, but commercial leases and client contracts often mandate proof of business insurance coverage.
Review your industry standards and contract requirements to determine the right limits for your Kansas operation.
- 2Prepare Business Information
Kansas general liability insurance costs average $42 per month for small businesses, but your rate depends on your industry risk profile and business scale. Gather your federal EIN, Kansas business registration from the Secretary of State, annual revenue projections and employee count before requesting quotes.
High-risk professions like tree trimmers and general contractors in Kansas may need specialized excess and surplus coverage, so accurate business classification matters when applying.
- 3Compare Multiple Quotes
Request quotes from at least three insurers licensed to operate in Kansas to compare business insurance costs effectively. Premium rates can differ between carriers even for identical coverage, so examine deductibles, policy limits and whether legal defense costs fall inside or outside your coverage limit. Kansas small businesses can save hundreds annually by shopping around rather than accepting the first quote received.
- 4Look Beyond Price
Affordable business insurance policies are easier on the pockets, but they might leave you scrambling to cover expenses when filing a claim, so examine policy exclusions carefully before purchasing. Defense costs that count toward your policy limit exhaust your coverage faster than policies offering separate defense expense coverage. Professional errors, pollution liability and employee injuries require separate policies in Kansas, so understand what your general liability policy excludes.
- 5Verify Insurer Credentials
Use the Kansas Insurance Department's company search tool and check AM Best ratings to verify insurer financial stability. Review complaint ratios through Kansas state records to identify companies with poor claims-handling reputations. Strong financial backing prevents payment delays when you file large claims, so choose insurers with solid track records operating in Kansas.
- 6Ask About Discounts
Kansas insurers commonly offer discounts for bundling policies, implementing safety programs and maintaining claim-free histories. Combining general liability with commercial property insurance in a business owner's policy saves Kansas businesses money compared to buying separate policies. Safety certifications, OSHA training programs and annual premium payments can reduce your Kansas general liability costs by 10% to 25%.
- 7Obtain Certificate of Insurance
Most Kansas clients, landlords and contractors require certificates of insurance before awarding contracts. Many Kansas insurers issue digital certificates instantly through online portals, while others process requests within 24 to 48 hours. Keep your agent's contact information accessible for urgent certificate requests when new Kansas business opportunities arise.
- 8Review Coverage Annually
Reassess your general liability coverage each year, especially after hiring employees, expanding services or increasing revenue in Kansas. Kansas businesses operating claim-free for three to five years qualify for lower rates as they build positive insurance track records. Compare renewal quotes 60 to 90 days before your policy expires to find better rates or adjust limits based on your current Kansas business operations.
Top General Liability Insurance in Kansas: Bottom Line
Quality general liability insurance in Kansas starts with understanding your specific business needs and researching providers thoroughly. The Hartford, NEXT and Nationwide lead the market, but your ideal choice depends on your industry, business size and budget. Compare quotes from multiple insurers and verify their credentials before making your final decision.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
sources
- Insurance Journal. "Kansas Storm Claims Total $442 Million for 2023." Accessed December 6, 2025.
- Kansas Department of Insurance. "Storm and Flood." Accessed December 6, 2025.
- Kansas Legislature. "Kansas Statutes § 60-258a. Comparative Negligence." Accessed December 6, 2025.
- Kansas Supreme Court. "Hilburn v. Enerpipe Ltd." Accessed December 6, 2025.
- National Weather Service. "Historical Kansas Tornado Statistics." Accessed December 6, 2025.