NEXT leads professional liability insurance providers in Kansas with affordable rates and strong customer support. The Hartford takes second place, while Simply Business ranks the top three.
Professional Liability Insurance in Kansas
NEXT earns the highest score of 4.71 out of 5 in our analysis of the best professional liability insurance in Kansas.
Discover cheap professional liability insurance in Kansas below.
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Updated: September 26, 2025
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Key Takeaways
NEXT is our top pick for professional liability insurance in Kansas, followed by The Hartford and Simply Business.
Your industry risk, client contracts, potential claim costs and budget determine the best Kansas professional liability insurance for you.
Assess your needs first, then compare quotes from multiple providers to find the best professional liability insurance in Kansas.
Best Professional Liability Insurance Companies in Kansas
| NEXT Insurance | 4.71 | $70 |
| The Hartford | 4.66 | $69 |
| Simply Business | 4.51 | $74 |
| Nationwide | 4.45 | $80 |
| Coverdash | 4.44 | $75 |
| biBERK | 4.42 | $77 |
| Progressive Commercial | 4.38 | $73 |
| Hiscox | 4.35 | $75 |
| Chubb | 4.27 | $86 |
| Thimble | 4.20 | $74 |
How Did We Determine These Rates and Rankings?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE
Professional liability insurance works best with other coverage types that create comprehensive financial protection for Kansas businesses.
Best Kansas Professional Liability Insurance Reviews
Most professionals need professional liability insurance, but not all providers offer the same value. We've broken down what differentiates these top providers and why they made our list for Kansas businesses.
NEXT
Overall Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Premium
$70These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
3.9/5Our Survey: Recommend to Others
4.8/5
The Hartford
Runner-Up for Best Provider
MoneyGeek Rating
4.7/ 5
4.7/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Premium
$69These rates are for small businesses with two employees across 79 major industries or business types and focus solely on professional liability policies.Our Survey: Claims Process
4.5/5Our Survey: Recommend to Others
4.5/5
Cheapest Professional Liability Insurance Companies in Kansas
The Hartford offers the cheapest professional liability insurance in Kansas at $69 monthly ($827 annually). NEXT provides another affordable option for business owners, with coverage starting at $70 per month.
| The Hartford | $69 | $827 |
| NEXT Insurance | $70 | $846 |
| Progressive Commercial | $73 | $879 |
| Thimble | $74 | $888 |
| Simply Business | $74 | $889 |
| Hiscox | $75 | $900 |
| Coverdash | $75 | $902 |
| biBERK | $77 | $930 |
| Nationwide | $80 | $954 |
| Chubb | $86 | $1,033 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
Average Cost of Professional Liability Insurance in Kansas
Professional liability insurance costs in Kansas average $75 monthly ($905 annually), which is $3 less than the national average. Home-based businesses pay around $36 per month, while mortgage brokers average $162. Your actual rate depends on factors like business location, claims history and coverage limits.
| Accountants | $142 | $1,708 |
| Ad Agency | $94 | $1,133 |
| Auto Repair | $81 | $969 |
| Automotive | $73 | $881 |
| Bakery | $52 | $621 |
| Barber | $41 | $494 |
| Beauty Salon | $48 | $573 |
| Bounce House | $58 | $697 |
| Candle | $40 | $482 |
| Cannabis | $120 | $1,439 |
| Catering | $77 | $920 |
| Cleaning | $53 | $632 |
| Coffee Shop | $60 | $720 |
| Computer Programming | $102 | $1,219 |
| Computer Repair | $60 | $726 |
| Construction | $75 | $902 |
| Consulting | $104 | $1,249 |
| Contractor | $61 | $736 |
| Courier | $47 | $565 |
| DJ | $44 | $522 |
| Daycare | $106 | $1,267 |
| Dental | $81 | $976 |
| Dog Grooming | $52 | $624 |
| Drone | $105 | $1,256 |
| Ecommerce | $59 | $710 |
| Electrical | $61 | $730 |
| Engineering | $101 | $1,218 |
| Excavation | $66 | $796 |
| Florist | $37 | $439 |
| Food | $107 | $1,288 |
| Food Truck | $57 | $680 |
| Funeral Home | $77 | $925 |
| Gardening | $39 | $470 |
| HVAC | $80 | $955 |
| Handyman | $53 | $633 |
| Home-based business | $36 | $428 |
| Hospitality | $72 | $864 |
| Janitorial | $48 | $574 |
| Jewelry | $61 | $726 |
| Junk Removal | $65 | $778 |
| Lawn/Landscaping | $50 | $596 |
| Lawyers | $143 | $1,710 |
| Manufacturing | $57 | $690 |
| Marine | $86 | $1,027 |
| Massage | $103 | $1,235 |
| Mortgage Broker | $162 | $1,943 |
| Moving | $79 | $950 |
| Nonprofit | $49 | $593 |
| Painting | $61 | $733 |
| Party Rental | $54 | $647 |
| Personal Training | $69 | $824 |
| Pest Control | $93 | $1,116 |
| Pet | $45 | $538 |
| Pharmacy | $55 | $658 |
| Photography | $62 | $744 |
| Physical Therapy | $92 | $1,108 |
| Plumbing | $86 | $1,032 |
| Pressure Washing | $55 | $656 |
| Real Estate | $121 | $1,454 |
| Restaurant | $79 | $952 |
| Retail | $53 | $636 |
| Roofing | $95 | $1,143 |
| Security | $98 | $1,174 |
| Snack Bars | $46 | $552 |
| Software | $92 | $1,099 |
| Spa/Wellness | $109 | $1,304 |
| Speech Therapist | $98 | $1,177 |
| Startup | $68 | $820 |
| Tech/IT | $98 | $1,182 |
| Transportation | $94 | $1,123 |
| Travel | $95 | $1,141 |
| Tree Service | $73 | $874 |
| Trucking | $107 | $1,281 |
| Tutoring | $59 | $713 |
| Veterinary | $112 | $1,348 |
| Wedding Planning | $73 | $880 |
| Welding | $74 | $889 |
| Wholesale | $58 | $701 |
| Window Cleaning | $60 | $720 |
How Did We Determine These Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
How Much Professional Liability Insurance Do I Need in Kansas?
Professional liability insurance requirements in Kansas depend on your specific profession. Health care providers, attorneys and certain licensed professionals may face mandatory coverage rules, while others operate under client contract requirements. Even without legal mandates, coverage amounts should reflect your risk exposure and clients' expectations. Many professionals carry $1 million per occurrence and $3 million aggregate as baseline protection.
Your coverage decision depends on three factors:
Your Industry Risk
Some industries in Kansas carry greater liability exposure than others, directly affecting coverage needs. Technology consultants and architects in metro areas like Overland Park face higher risks than accountants or real estate agents in smaller cities like Salina. Your industry's typical claim frequency and severity should guide your coverage limits.
Client Requirements
Many clients and contracts in Kansas require proof of professional liability insurance at specific limits before work begins. Large corporations, government contracts through the state, and major employers often set minimum coverage levels ranging from $1 million to $5 million. Meeting these requirements is essential for winning and maintaining business relationships.
Potential Claim Costs
Your coverage should reflect the possible financial impact of a professional liability lawsuit in Kansas courts. Small mistakes might result in minor penalties of a few thousand dollars, while errors on larger projects could lead to six-figure damages plus substantial legal fees. Consider the scale of your typical projects and client relationships when selecting limits.
How to Get the Best Professional Liability Insurance in Kansas
Finding the best business insurance becomes straightforward when you follow our step-by-step guide to getting coverage. This process helps you secure professional liability insurance that matches your Kansas business needs and budget.
- 1
Evaluate Your Risk Exposure
Different businesses face varying liability risks across Kansas industries. A medical consultant typically needs higher coverage limits than a freelance graphic designer. Review your client contracts and industry standards to determine appropriate coverage amounts.
- 2
Find Local Insurance Expertise
Look for an agent who knows Kansas' business landscape and understands how business insurance costs vary by location and industry. Local agents know which insurers work best with Kansas professionals and can recommend coverage that fits regional industry needs.
- 3
Collect Multiple Insurance Quotes
Request quotes from at least three insurers, comparing affordable business insurance rates and policy terms like exclusions and deductibles. A $1,000,000 policy varies between providers based on specific terms.
- 4
Research Insurance Company Quality
When researching business insurance in Kansas, look beyond price. Check AM Best ratings for financial strength and read professional reviews about claims experiences. Choose insurers with proven track records in your specific industry.
- 5
Explore Bundling Opportunities
Many insurers offer discounts when you combine professional liability with general liability or business owner's policies. Kansas businesses often save 10% to 15% through bundling while simplifying their insurance management process.
- 6
Maintain Continuous Policy Coverage
Professional liability policies protect you only from lawsuits filed while your policy is active, even if the work happened years ago. A consultant switching carriers should ensure their new policy covers prior acts or purchase tail coverage (extended reporting coverage) from their old insurer
How to Prevent Professional Liability Claims in Kansas
Most professional liability claims result from poor communication and unclear client expectations rather than actual mistakes. Small disputes can still cost thousands in legal fees. These proven strategies help Kansas businesses prevent conflicts and avoid expensive claims.
Document Everything
Keep written proof of all client interactions, including email confirmations, scope changes and project approvals. This documentation helps prevent disputes by providing a clear record of what was agreed upon and when decisions were made.
Use Detailed Contracts With Clear Scope
Create contracts that define responsibilities, timelines and deliverables for every project. Clearly outline what is included and excluded from your services to avoid conflicts over additional work or unexpected requests.
Communicate Project Changes Immediately
Confirm all client-requested changes in writing before moving forward with any modifications. Document how these changes affect timelines, budgets and final deliverables to maintain transparency throughout the project.
Set Realistic Expectations Upfront
Be transparent about timelines, potential challenges and expected results from the beginning of each project. Being honest about your capabilities helps avoid overpromising and reduces the likelihood of client disputes later.
Keep Detailed Project Records
Maintain thorough records of all work performed, decisions made and the reasoning behind your professional recommendations. This documentation demonstrates your diligence and can provide crucial protection if your work is questioned or challenged.
Kansas Professional Liability: Bottom Line
Professional liability insurance selection in Kansas requires understanding your risks and client demands. NEXT earns our top rating, but your industry requirements, existing contracts and budget constraints should drive your final choice. Start by evaluating your business exposure, then partner with a local agent to compare coverage options that deliver comprehensive financial protection.
Kansas Professional Liability Insurance: FAQ
Here are frequently asked questions about professional liability insurance in Kansas.
Is professional liability insurance required in Kansas?
Kansas doesn't legally require professional liability insurance, but client contracts and industry standards often demand coverage. Many professionals carry it anyway for financial protection and credibility with clients.
What does professional liability insurance cost in Kansas?
Professional liability insurance in Kansas costs between $69 and $86 monthly, depending on your provider. Your premium varies based on your industry's risk level, claims history, coverage limits and business location within the state.
Which professional liability insurance company is best in Kansas?
NEXT leads professional liability insurance in Kansas with a 4.71 out of 5 rating for its affordable coverage and excellent customer service. The Hartford ranks second at 4.66, while Simply Business takes third place at 4.51, providing solid alternatives for business owners.
How much professional liability coverage do I need in Kansas?
Professional liability coverage needs in Kansas vary based on your industry risk level, client contract demands and potential lawsuit expenses. High-risk professions like architects and consultants typically need higher coverage limits, while lower-risk businesses can often get by with smaller policy amounts.
Can I get professional liability insurance online in Kansas?
Yes, you can purchase professional liability insurance online in Kansas. Many insurers offer digital applications that take just minutes to complete, with instant policy certificates and immediate coverage confirmation. Online platforms provide 24/7 policy management and eliminate traditional paperwork delays, making the entire process faster and more convenient than working with agents.
Should I buy general liability and professional liability insurance together in Kansas?
Kansas businesses typically need both general liability and professional liability insurance since they protect against completely different risks. General liability covers physical accidents like customer injuries or property damage at your business location. Professional liability handles financial losses from work errors or service mistakes. Most companies carry both policies to ensure comprehensive protection for their operations.
Do I need professional liability insurance if I work from home in Kansas?
Working from home doesn't eliminate your need for professional liability insurance in Kansas. Professional errors can financially damage clients regardless of your office location. A freelance graphic designer delivering flawed branding or a consultant providing incorrect advice could face expensive lawsuits. Your home-based business carries the same liability risks as traditional offices, making coverage essential for protection.
What happens if I let my professional liability insurance lapse in Kansas?
Allowing your professional liability insurance to lapse in Kansas exposes you to serious financial risks. Claims-made policies only provide protection while active, meaning past work becomes vulnerable if coverage ends. When switching insurers, secure prior acts coverage with your new policy or purchase tail coverage from your previous insurer to eliminate dangerous gaps in protection.
How We Scored the Best Professional Liability Insurance Companies in Kansas
A professional liability lawsuit can destroy a small business in Kansas. We examined insurers throughout the state to identify which companies provide the most reliable financial protection for businesses from new startups to well-established firms.
Our Scoring System
- Affordability (50%): Cost drives most small business insurance choices. We gave affordability the highest weight because companies need strong coverage that fits their budget.
- Customer experience (30%): Professional liability claims create significant stress for business owners. We assessed service quality through J.D. Power ratings and complaint records from the Kansas Department of Insurance.
- Coverage options (15%): We analyzed policy flexibility and exclusions to ensure they serve the diverse needs of local professional services.
- Financial strength (5%): We relied on AM Best financial ratings to confirm each insurer maintains the stability to pay claims when businesses need protection most.
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.
sources
- Alliance Health. "Provider Insurance Requirements." Accessed September 30, 2025.