The Hartford tops our rankings for the best general liability insurance in Kansas, delivering an outstanding balance of affordable rates and reliable service. NEXT and Nationwide also excel as solid alternatives, particularly impressing small business owners with their customer service quality throughout the state.
General Liability Insurance in Kansas
The Hartford tops our rankings for general liability insurance in Kansas, scoring 4.6 out of 5.
Explore low-cost general liability insurance in Kansas below.
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Updated: October 29, 2025
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Key Takeaways
The Hartford, NEXT, and Nationwide are the leading general liability insurance providers in Kansas.
To find the right general liability provider for your business in Kansas, consider your business type, operating scale, required coverage and budget.
Compare quotes from multiple insurers, research their financial stability, check customer reviews and verify licensing to find quality coverage.
Best General Liability Insurance Companies in Kansas
| The Hartford | 4.60 | $79 |
| NEXT | 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 are estimates based on MoneyGeek's analysis of small businesses with two employees across 79 major industries. Actual rates vary based on your specific business location, industry risk factors, claims history, coverage limits and individual insurer underwriting criteria. Contact insurers directly for personalized quotes.
LEARN MORE ABOUT BUSINESS INSURANCE
Review these related resources for comprehensive protection:
Best Kansas Small Business Insurance Reviews
We analyzed Kansas's leading general liability insurance providers to show small business owners the specific advantages that make each company worth considering when they need general liability coverage.
The Hartford
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$79Our Survey: Claims Process
4.5/5Recommend to Others
4.5/5
NEXT
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.3/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$100Our Survey: Claims Process
3.9/5Recommend to Others
4.8/5
Cheapest General Liability Insurance Companies in Kansas
The Hartford offers the most affordable general liability insurance in Kansas, with coverage starting at $79 monthly ($953 annually). Small business owners can also consider Simply Business and Nationwide are competitive alternatives.
| The Hartford | $79 | $953 |
| Simply Business | $93 | $1,116 |
| Nationwide | $94 | $1,130 |
| Progressive Commercial | $97 | $1,166 |
| NEXT | $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 are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual 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.
Average Cost of General Liability Insurance in Kansas
General liability insurance in Kansas costs an average of $100 per month ($1,198 annually), slightly below the national average. Your actual premium varies based on industry risk, business size, location, and claims history. Construction companies typically pay more than lower-risk businesses like consulting firms due to higher injury and property damage exposure.
Average Cost of General Liability Insurance by Industry
General liability insurance costs vary dramatically by industry in Kansas. Pressure washing businesses face the steepest monthly premiums at $893, while drone companies pay just $16 per month for coverage. The table below shows how your specific industry affects your insurance costs.
| 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 are for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies. Your actual 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.
How Much General Liability Insurance Do I Need in Kansas?
Kansas doesn't require most businesses to carry general liability insurance at the state level but individual cities and counties may require insurance.
Businesses should contact their local government offices to verify area-specific requirements, as some jurisdictions may impose fines or restrict permits without proper coverage.
Electricians
Most electricians maintain at least $300,000 per occurrence and $600,000 annual aggregate coverage with completed operations protection.
Electrical Sign Contractors
Industry standard coverage is $300,000 per occurrence and $600,000 annual aggregate limits.
HVAC Contractors
Most contractors carry $300,000 per occurrence and $600,000 annual aggregate protection.
Fire Safety Companies
The state requires proof of coverage but allows flexibility in how much coverage you have.
Comprehensive business insurance in Kansas includes general liability insurance, which becomes essential for practical reasons. Most commercial property owners demand proof of coverage before approving lease agreements.
Additionally, valid insurance certificates are often required before awarding contracts to service providers.
How to Choose the Best General Liability Insurance in Kansas
Finding coverage that protects your business adequately while staying within your budget constraints is part of how to get business insurance. These steps help you find the best general liability insurance in Kansas:
- 1Figure out coverage needs
Check industry licensing requirements in Kansas first, as some professions have specific minimums.
- 2Prepare business information
Get details like annual revenue, employee count, business type and location before you ask for quotes.
- 3Compare multiple quotes
Always request quotes from at least three insurers to see how business insurance costs vary between them.
- 4Review terms carefully
Focus on exclusions and coverage limits, not just affordable business insurance premiums. Some policies cover legal defense costs as well.
- 5Research insurer credentials
Use the Kansas Insurance Department website to verify company and agent licenses. Check AM Best ratings and complaint records.
- 6Ask about available discounts
Check if you can save through safety program participation, bundling different coverage types or maintaining a clean claims history.
- 7Obtain insurance certificates
Ask for your certificate of insurance after purchasing coverage.
How to Prevent General Liability Claims in Kansas
Even with the best business insurance coverage, business owners never want to handle liability claims. Kansas entrepreneurs can prevent most incidents through smart preparation and proactive planning.
Watch out for property hazards
Kansas weather creates ongoing risks with ice storms, severe thunderstorms and temperature swings that damage walkways and create slip hazards. Check your property regularly for damage after storms.
Train your people well
Proper training reduces workplace accidents and customer injuries that lead to liability claims. Teach employees safe lifting techniques, ladder safety and how to spot potential hazards before they cause problems.
Keep good records
Detailed documentation protects your business when disputes arise or claims get filed. Well-organized records help resolve disagreements.
Get everything in writing
Written agreements prevent misunderstandings that often lead to property damage or injury claims. Clearly outline project scope, work areas and any restricted zones on the property.
Fix problems fast
Quick response to complaints and issues can prevent small problems from becoming expensive liability claims.
General Liability Insurance in Kansas: Bottom Line
Selecting quality general liability insurance in Kansas requires evaluating your business needs and researching reliable providers. The Hartford, NEXT, and Nationwide lead the market, but your ideal choice depends on your industry, company size, and budget. The best coverage varies between businesses. Compare quotes from multiple insurers and verify their licensing credentials before making your final decision. This approach ensures you find affordable protection that matches your specific requirements.
Commercial General Liability Insurance in Kansas: FAQ
Our research and analysis helped us answer the top questions Kansas business owners ask about general liability insurance coverage and costs.
What does general liability insurance cover for Kansas businesses?
General liability insurance for Kansas businesses covers customer injuries, property damage you cause to others and legal defense costs.
How much does general liability insurance cost in Kansas?
Small businesses in Kansas pay between $79 and $115 monthly for general liability insurance. The Hartford leads as the most affordable option at $79 per month, followed by Simply Business at $93 and Nationwide at $94.
Do Kansas businesses legally need general liability insurance?
Kansas does not mandate general liability insurance for most businesses.
Which company offers the best general liability insurance in Kansas?
The Hartford ranks as Kansas's top general liability insurance provider, earning high marks for financial stability and affordability at around $79 monthly.
What coverage limits should Kansas businesses choose?
Kansas businesses should first verify any minimum coverage requirements for their industry licenses. Small businesses commonly select $1 million per occurrence and $2 million aggregate limits.
How We Scored the Best General Liability Insurance Companies in Kansas
Kansas businesses encounter specific liability challenges, including weather-related incidents and workplace accidents. Our analysis focused on general liability insurers that provide dependable coverage without straining tight business budgets.
What We Evaluated
- Affordability (50%): Cost remains the biggest concern for Kansas small businesses. We analyzed premium rates across multiple carriers because reasonable pricing determines whether businesses can maintain essential protection.
- Customer experience (30%): Quality service during claims separates good insurers from great ones. We examined J.D. Power rankings, Kansas state complaint data, and independent agent feedback to assess how well companies handle policyholder needs.
- Coverage options (15%): Kansas businesses span diverse industries with varying risk profiles. We evaluated how effectively insurers customize general liability policies for different business types, from retail shops to construction companies.
- Financial strength (5%): Low premiums mean nothing if the insurer cannot pay claims. We checked AM Best ratings and financial stability reports to ensure recommended companies maintain solid financial foundations.
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
- NEXT. "NEXT: Small Business Insurance Quotes Online." Accessed November 7, 2025.
- NEXT. "Customer Reviews | NEXT." Accessed November 7, 2025.
- Trustpilot. "Next Insurance Reviews." Accessed November 7, 2025.
- Trustpilot. "The Hartford Reviews." Accessed November 7, 2025.
- The Hartford. "When Is Liability Insurance Needed?." Accessed November 7, 2025.
- The Hartford. "What Does General Liability Insurance Cover?." Accessed November 7, 2025.