By weighing variables like cost, customer service, financial stability and ease of online quotes, MoneyGeek selected Kansas's best general liability insurance providers. Thimble took first place due to its high scores across all of these parameters. This insurer's average policy costs $54 per month for limited liability companies (LLCs) with 20 employees and $22 per month for sole proprietors with no employees.

Next provides Kansas business owners who are on a budget with the cheapest general liability insurance. For LLCs with 20 workers, general liability coverage from Next costs $35 monthly. For sole proprietors with no employees, it costs $26 monthly.

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Best Overall General Liability Insurance in Kansas

Thimble has a MoneyGeek score of 90 out of 100, making them the best general liability insurance provider in Kansas. The following table displays our rankings of the Kansas companies we analyzed, along with their MoneyGeek scores and average premiums.

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Cheapest General Liability Insurance in Kansas

Overall, Next provides the cheapest general liability insurance in Kansas, with an average monthly premium of $35 for LLCs and $26 for sole proprietors.

We created an "affordability" score that combines the monthly fees for LLCs and solo proprietors, both weighted at 50%, in order to rank companies in this area. As a result, our winner's cost for both entity types may not be the lowest.

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Best General Liability Insurance for Employers in Kansas

A MoneyGeek score of 96 out of 100 placed Nationwide as the best company for Kansas employers seeking general liability insurance. This company's average monthly policy costs $40.

MoneyGeek based the rankings on the average monthly premium for LLCs with 20 workers. The number of employees has a big impact on general liability insurance costs. You will probably spend less if you have fewer than 20 employees, while more than 20 employees will result in higher premiums.

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Best General Liability Insurance for Sole Proprietors in Kansas

Thimble, with a MoneyGeek score of 95 out of 100, offers the best general liability insurance for sole proprietors in Kansas. Its monthly premium is approximately $22.

Our rankings for companies in this category were determined by the average costs for sole proprietors. Those in more hazardous industries, such as construction, may pay a higher premium for general liability insurance.

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Do You Need General Liability Insurance in Kansas?

Although Kansas law does not mandate companies to purchase general liability insurance, it is a good idea to buy a policy to safeguard your business from financial loss caused by liability claims from third parties. It offers protection for:

  • Third-party bodily injuries: General liability insurance can be used to help pay for the medical expenses of a customer who is injured on your business's premises.
  • Third-party property damage: General liability insurance covers costs associated with property damage to third parties brought on by your company or its personnel.
  • Personal and advertising injury: If your company or employees have a slander, libel or copyright infringement lawsuit, general liability insurance will cover your legal fees and damages.

Keep in mind that in some fields, acquiring general liability insurance is a prerequisite to obtaining a business license or landing a contract.

In Kansas, it is mandatory for businesses with one or more employees to purchase workers' compensation insurance as well as other types of business insurance. For any company-owned vehicles they possess, companies must purchase commercial auto insurance with at least the following minimum limits:

  • $25,000 per person
  • $50,000 per accident for bodily injury
  • $25,000 for property damage
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SMALL BUSINESS RESOURCES IN KANSAS

The Kansas Small Business Development Center (SBDC), funded at the federal level by the Small Business Administration (SBA), is an organization that works with small businesses and entrepreneurs. Besides providing comprehensive, long-term assistance for businesses, SBDC advisors offer one-on-one guidance on preparing the necessary business plan and financial projections for raising funds via loans and grants.

How Much Is General Liability Insurance in Kansas?

In Kansas, an LLC with 20 workers pays an average of $51 per month for general liability insurance, while a sole proprietor with no employees pays an average of $29 per month.

These rates reflect a policy with a $2 million aggregate limit, a $1 million per-occurrence limit and a $0 deductible. A policy's aggregate limit is the maximum amount of money an insurer will pay out in total for claims over the policy term, while an occurrence limit is the maximum it will pay out for any one claim. The deductible is the out-of-pocket expense that company owners must pay before their insurance policy takes effect.

Factors That Impact General Liability Insurance Costs in Kansas

General liability insurance premiums differ depending on the type of business and the following factors:

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Frequently Asked Questions About General Liability Insurance in Kansas

Your particular business needs and other variables will determine the best general liability insurance for you. To give you more information, we answer some frequently asked questions.

With a focus on service excellence and cost-effectiveness, Thimble provides Kansas with the best general liability insurance overall. However, depending on your coverage level, business size and employee count, other options may be a better fit for you.

Next received the top score for affordability, providing the most affordable general liability insurance for Kansas LLCs with 20 employees. However, the company was only the second cheapest for Kansas sole proprietors. The cheapest choice for you depends on a number of variables, including your employee count.

General liability insurance often provides coverage for third-party physical injuries, third-party property damage, personal injury and advertising damage in Kansas.

Although general liability insurance is not required in Kansas, getting it is a wise move to safeguard your company's finances from liability claims made by third parties. Next is the most affordable company for general liability insurance in Illinois, offering the lowest average rate for LLCs at $28 per month and the second-lowest rate for sole proprietors at $25 per month. Keep in mind the cheapest insurer will depend on how many employees you have, among other factors.

About Melissa Wylie


Melissa Wylie headshot

Melissa Wylie is a Content and SEO Manager at MoneyGeek. Melissa has worked in the financial content space since 2018 and has spent much of that time focused on all things small business.

Prior to joining MoneyGeek, Melissa held SEO positions at Bankrate and LendingTree. Melissa’s work has also appeared on LendingTree-owned websites ValuePenguin and MagnifyMoney.

Melissa began her career at American City Business Journals in 2015 as a reporter for the company’s women-focused publication Bizwomen. Melissa has a Bachelor of Arts in Journalism from the University of North Texas. Melissa relies on her foundation in journalism to craft content that simplifies complex financial topics to help everyone feel confident when making decisions with their money.

Melissa's other work can be read on LendingTree and Bizwomen.


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