Nationwide is the top contender for Kansas’ best general liability insurance in MoneyGeek’s analysis with a score of 95 out of 100. However, The Hartford, NEXT, Thimble, and Hiscox are also great options for best general liability insurance.
Best General Liability Insurance in Kansas
Nationwide, The Hartford and NEXT are the best and cheapest general liability insurance providers in Kansas, with rates starting at $24 per month.
Start comparing affordable providers in Kansas below.

Updated: June 20, 2025
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Key Takeaways
Due to its balance of affordable rates and strong customer service, Nationwide is the top overall general liability insurance provider for LLCs in the Sunflower State.
The cheapest general liability insurance for sole proprietors in Kansas is offered by Thimble at $24 per month. For LLCs, NEXT is the most affordable option at $38 a month.
General liability insurance costs in Kansas depend on your industry, and we found they can range from $31 to $1,922 per month on average.
Best Cheap General Liability Insurance in Kansas
Nationwide | 95 | $39 | $44 |
The Hartford | 92 | $33 | $54 |
NEXT | 90 | $28 | $38 |
Thimble | 86 | $24 | $58 |
Hiscox | 83 | $32 | $80 |
*Rates were based on a $1,000,000 per occurrence and $2,000,000 aggregate limit for a software development company.

Nationwide: Best Overall
pros
Low rates for LLC businesses
Large coverage selection
Low customer claims frequency
cons
Higher rates for sole proprietors
COMPANY HIGHLIGHTS
Our Kansas winner for general liability coverage goes to Nationwide, which excels at providing budget-friendly protection alongside reliable customer support. Tied for the top spot with minimal claims ratios according to NAIC statistics and achieving 2nd rank for LLC affordability, annual premiums average $468 for quality business coverage.

NEXT: Cheapest Overall
pros
Easy fast buying process
Very cheap rates overall, regardless of business size
Business-insurance-only focus
cons
Higher customer complaint frequency
COMPANY HIGHLIGHTS
NEXT is Kansas's lowest-priced general liability insurance provider. Sole proprietors can access coverage for just $28 monthly, while LLCs pay $38 per month for protection. Though their claims ratio surpasses other insurers we've examined throughout Kansas, the company delivers through its straightforward purchasing platform and same-day proof of insurance availability.
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How Much Is General Liability Insurance in Kansas?
An average general liability insurance policy in Kansas typically costs around $31 per month for sole proprietors and $55 per month for LLCs. However, this only represents software development companies and the costs can vary widely by industry.
Cleaning | $1,204 | $50 |
General Contractor | $1,922 | $99 |
Software Development | $55 | $31 |
*Rates are based on a $1,000,000 per occurrence and $2,000,000 aggregate coverage policy for general liability.
Factors That Impact General Liability Insurance Costs in Kansas
General liability insurance costs can fluctuate based on a number of different factors in Kansas. In the list below, you can see these factors and their impacts on your coverage costs:
Policy limits
Coverage limits can greatly influence insurance premiums. Opting for higher limits will raise costs, while choosing lower limits usually leads to more affordable premiums.
Number of employees and payroll costs
Firms with a large workforce and high payroll expenses are likely to experience an increase in general liability insurance costs. Our findings on LLCs and sole proprietorships confirm this trend.
Business location
Where your business operates can significantly affect your insurance expenses. It's important to consider that state-level average rates may differ between cities, so these variations should be factored into your coverage decisions.
Claims history
A record of multiple claims can make a business seem riskier to insurers, leading to higher premiums.
Industry
Industries with elevated risks, like construction, generally incur higher general liability insurance costs.
Kansas General Liability Insurance: Buyer's Guide
Business insurance is a complicated industry and can be difficult to navigate. So, to simplify your understanding of general liability insurance, we've created a short guide detailing how to get the best coverage, defining what it covers, listing requirements in Kansas, and explaining how much coverage you should consider getting.
How to Find the Best General Liability Insurance Company
To help ensure that you get the best small business insurance regardless of your industry, we've created a step-by-step guide to simplify your coverage search.
- 1
Define your coverage needs
Determine your liability risk by taking into account your industry, products or services, customer types, business size and market impact. Measure the frequency and costs of common claims in your industry to evaluate coverage options better.
- 2
Research average costs for your business
Research average costs for your type of business to understand how good of a deal you're getting from insurance companies. Knowing average expenses will give you insight into if a company is going to save you money.
- 3
Consult similar businesses
You can get recommendations from businesses that are better for your specific needs and understand what claims are common within your industry. They may also provide ways to mitigate risks associated with general liability insurance, so you don't need more coverage than necessary.
- 4
Compare multiple options through different means
Comparing multiple companies allows you to determine the best option for your business. Choosing multiple means of comparison, like online comparison sites and brokers, will give you a more comprehensive view of pricing.
What Does General Liability Insurance Cover and How Does It Work?
General liability insurance coverage consists of two parts: per occurrence and aggregate limits. Per occurrence refers to the maximum a single claim can go up to, while the aggregate limit is the total coverage you can get per year. In terms of covered items, this type of policy includes the following:
Bodily injuries or property damage on business property
Legal fees for bodily injury or property damage that your company may be responsible for
Damages to leased or rented business property
Bodily injury or property damage caused by your product or service
Libel, slander, or reputational harm legal defense
Legal fees for copyright infringement accusations
Is General Liability Insurance Required in Kansas?
Like in most states, general liability insurance isn't expressly required by state law and instead varies by your industry. However, if you are looking to apply for a professional license, sign a contract with a larger company, or sign an office lease, some form of general liability insurance may be required. While not an exhaustive list, the following industries tend to fall into these categories:
- Medical
- Accounting
- Real estate
- Insurance
- Contracting
- Engineering
- Marketing
- Law
- Consulting
- Media/Communications
How Much General Liability Insurance Do I Need?
Most small businesses will only need a standard policy with 1 million dollars of protection per occurrence and a 2 million limit per year. This will likely cover most or all damages caused over a year for most business types. Even so, your particular industry's risks and the size of your operation may require a larger coverage limit than standard.
WHO MAY NEED MORE COVERAGE
Businesses in health services, construction, contracting, hospitality, and retail often see the priciest claims. If your enterprise operates in any of these fields, it's wise to consider increasing your insurance protection. Similarly, if your small business is growing, with more staff or a broader customer base, it's a good time to review your risks and possibly choose a higher coverage level.
Best General Liability Insurance in Kansas: Bottom Line
Overall the best general liability insurance companies in Kansas are Nationwide, The Hartford, and NEXT. Nationwide offers plans starting at $39 per month, The Hartford at $33, and NEXT at $28. These companies score high for quality and affordability. However, we recommend comparing around yourself and getting plenty of quotes to ensure you get the best deal possible.
General Liability Insurance in Kansas: FAQ
Below, we address frequently asked questions regarding general liability insurance in Kansas: Understand the basics and find affordable options.
Which company has the best general liability insurance in Kansas?
MoneyGeek's top choice for general liability insurance in Kansas is Nationwide, which earned an overall score of 95 out of 100. However, the ideal insurance for you depends on various details, including your business size, number of employees, and specific coverage requirements.
Which company has the cheapest general liability insurance in Kansas?
For sole proprietors, Thimble provides the most affordable general liability insurance in Kansas at $288 per year ($24 per month). NEXT provides the cheapest coverage for LLCs with employees at $456 per year ($38 per month).
Does Kansas require businesses to have general liability insurance?
In Kansas, while it's not required by law, securing general liability insurance is a prudent move to protect your enterprise from potential financial losses due to liability claims.
How We Chose the Best General Liability Insurance Providers in Kansas
We broke down our scores into these categories and weights:
- LLC cost (55% of score)
- Sole proprietor cost (5% of score)
- Customer satisfaction (25% of score)
- Financial strength (10% of score)
- Quote process time (5% of score)
For all business insurance companies, we assumed software development industry LLCs with 20 employees. We based customer satisfaction and financial strength scores on NAIC and AM Best ratings. Quote process scores came from our MoneyGeek experts' personal experiences.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.