NEXT is a top provider for workers' comp insurance in Kansas, due to its customer service and comprehensive coverage options. Kansas's business owners can also count on The Hartford and Simply Business as alternatives.
Workers' Comp Insurance in Kansas
NEXT is the top workers' comp insurance provider in Kansas, with an overall score of 4.62 out of 5, based on our analysis.
Compare top Kansas workers' comp insurance providers and find your ideal coverage.
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Updated: September 10, 2025
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Key Takeaways
NEXT, The Hartford and Simply Business stand out as the top-rated workers' comp insurance providers in Kansas.
The best workers' comp provider for your Kansas business depends on your industry risks, number of employees, history of claims and available budget.
To find the right workers' comp coverage in Kansas, request multiple quotes, check each provider's industry knowledge, review their service history and analyze coverage details.
Best Workers' Comp Insurance Companies in Kansas
| NEXT | 4.62 | 1 |
| The Hartford | 4.57 | 2 |
| Simply Business | 4.54 | 3 |
| Coverdash | 4.46 | 4 |
| biBERK | 4.44 | 5 |
| Nationwide | 4.43 | 6 |
| Progressive Commercial | 4.41 | 7 |
| Thimble | 4.40 | 8 |
| Hiscox | 4.38 | 9 |
| Chubb | 4.27 | 10 |
How Did We Determine These Rates and Rankings?
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 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 BUSINESS INSURANCE IN KANSAS
While workers' compensation is required in Kansas, your business might need additional insurance. Here are other types of coverage:
Best Kansas Workers’ Comp Insurance Reviews
NEXT and The Hartford are the top workers' compensation insurance providers in Kansas.
NEXT
Best Overall Provider
MoneyGeek Rating
4.6/ 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average monthly premium
$67Based on average costs across multiple business typesOur survey: Claims process
3.9/5Rating from verified customer satisfaction surveysOur survey: Recommend to others
4.8/5Percentage of customers who would recommend NEXT
The Hartford
Runner-Up Best Provider
MoneyGeek Rating
4.6/ 5
4.5/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average monthly premium
$68Based on average costs across business types and coverage levelsOur survey: Claims process
4.5/5Rating based on customer satisfaction with claims handlingOur survey: Recommend to others
4.5/5Percentage of customers who would recommend The Hartford
Cheapest Workers' Comp Insurance Companies in Kansas
Kansas business owners can find the most affordable workers' comp insurance through NEXT, with rates at $67 monthly ($803 annually). The Hartford and Thimble offer competitive alternatives at $68 and $69 per month, respectively. The table below shows costs from all companies we analyzed:
| NEXT | $67 | $803 |
| The Hartford | $68 | $814 |
| Thimble | $69 | $826 |
| Simply Business | $69 | $828 |
| Progressive Commercial | $69 | $829 |
| Hiscox | $69 | $833 |
| Coverdash | $71 | $847 |
| biBERK | $73 | $875 |
| Nationwide | $78 | $940 |
| Chubb | $82 | $987 |
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 workers’ comp policies. Your actual premium depends on where your business is located, what industry you're in, how many employees you have, and other factors insurers consider.
Average Cost of Workers’ Comp Insurance in Kansas
Workers' compensation insurance in Kansas costs businesses an average of $72 per month or $858 annually. Kansas's rates run slightly below the national monthly average of $74. Your business's actual premium depends on specific factors like industry risk level, number of employees, total payroll and claims history.
Average Cost of Workers' Comp in Kansas by Industry
In Kansas, workers' compensation insurance costs vary dramatically by industry risk level. Speech therapists pay the lowest premiums at $6 per month, while roofing companies face much higher rates at $816 monthly. This significant difference reflects the varying workplace injury risks across different professions.
| Accountants | $20 | $236 |
| Ad Agency | $15 | $183 |
| Auto Repair | $148 | $1,780 |
| Automotive | $114 | $1,368 |
| Bakery | $52 | $627 |
| Barber | $14 | $164 |
| Beauty Salon | $14 | $170 |
| Bounce House | $39 | $464 |
| Candle | $39 | $472 |
| Cannabis | $81 | $971 |
| Catering | $71 | $857 |
| Cleaning | $47 | $566 |
| Coffee Shop | $45 | $544 |
| Computer Programming | $28 | $331 |
| Computer Repair | $23 | $281 |
| Construction | $175 | $2,103 |
| Consulting | $30 | $355 |
| Contractor | $160 | $1,916 |
| Courier | $222 | $2,665 |
| DJ | $14 | $164 |
| Daycare | $13 | $155 |
| Dental | $11 | $130 |
| Dog Grooming | $64 | $763 |
| Drone | $26 | $314 |
| Ecommerce | $21 | $253 |
| Electrical | $55 | $665 |
| Engineering | $37 | $443 |
| Excavation | $102 | $1,229 |
| Florist | $59 | $709 |
| Food | $41 | $489 |
| Food Truck | $44 | $533 |
| Funeral Home | $26 | $313 |
| Gardening | $46 | $549 |
| HVAC | $61 | $732 |
| Handyman | $90 | $1,079 |
| Home-based | $10 | $117 |
| Hospitality | $67 | $808 |
| Janitorial | $47 | $568 |
| Jewelry | $29 | $351 |
| Junk Removal | $137 | $1,642 |
| Lawn/Landscaping | $36 | $436 |
| Lawyers | $51 | $617 |
| Manufacturing | $57 | $685 |
| Marine | $146 | $1,757 |
| Massage | $14 | $170 |
| Mortgage Broker | $13 | $162 |
| Moving | $254 | $3,045 |
| Nonprofit | $31 | $368 |
| Painting | $137 | $1,641 |
| Party Rental | $36 | $431 |
| Personal Training | $24 | $292 |
| Pest Control | $68 | $819 |
| Pet | $30 | $361 |
| Pharmacy | $6 | $75 |
| Photography | $17 | $199 |
| Physical Therapy | $7 | $80 |
| Plumbing | $63 | $751 |
| Pressure Washing | $82 | $979 |
| Real Estate | $29 | $349 |
| Restaurant | $61 | $734 |
| Retail | $34 | $407 |
| Roofing | $816 | $9,791 |
| Security | $50 | $605 |
| Snack Bars | $42 | $505 |
| Software | $26 | $309 |
| Spa/Wellness | $17 | $202 |
| Speech Therapist | $6 | $71 |
| Startup | $13 | $153 |
| Tech/IT | $26 | $315 |
| Transportation | $225 | $2,696 |
| Travel | $7 | $82 |
| Tree Service | $216 | $2,590 |
| Trucking | $260 | $3,124 |
| Tutoring | $10 | $117 |
| Veterinary | $19 | $230 |
| Wedding Planning | $28 | $334 |
| Welding | $113 | $1,357 |
| Wholesale | $39 | $466 |
| Window Cleaning | $203 | $2,433 |
How Much Workers' Comp Insurance Do I Need in Kansas?
In Kansas, employers must carry workers' compensation insurance if their annual payroll exceeds $20,000. This is required for most businesses and it makes sure injured workers are covered.
Businesses operating without required coverage face civil penalties up to $25,000 per violation, and employers could face criminal charges in severe cases.
Sole proprietors
Business owners operating alone can typically opt out of workers' comp coverage since they are not considered employees of their own company
Corporate officers
Executive officers owning at least 25% of company stock may elect to exclude themselves by filing a written waiver
Real estate agents
Licensed real estate professionals working on commission basis are usually exempt when operating under a licensed broker
Domestic workers
Household employees working fewer than 40 hours per week often qualify for exemption from coverage requirements
Agricultural workers
Small farms with limited seasonal workers or family members typically qualify for exemption from mandatory coverage
Independent contractors
Workers who maintain control over their work methods and schedule may qualify as independent contractors exempt from coverage
Religious organizations
Members of religious organizations who have taken vows of poverty while working for their church are generally exempt
Professional athletes
Athletes in certain professional sports leagues may be exempt due to separate injury coverage through their league or team
How to Get the Best Workers' Comp Insurance in Kansas
While Kansas workers' compensation insurance involves several moving parts, finding the right coverage to protect your team is straightforward and can keep business insurance costs within budget. Start by getting quotes from multiple providers, reviewing their coverage options and understanding their claims handling process to find the best fit for your business.
- 1
Check coverage requirements
Kansas law requires most businesses with employees to carry workers' compensation insurance.
- 2
Collect business details
Prepare accurate payroll records, employee count and job classifications before requesting quotes.
- 3
Get multiple insurance quotes
Contact at least three insurance providers for quotes.
- 4
Find industry-specific providers
Select insurers who understand your industry's specific risks and local regulations.
- 5
Review provider performance
Investigate each insurer's claim processing times and complaint history.
- 6
Understand policy details
Review coverage limits and exclusions carefully. Consider pay-as-you-go structures.
- 7
Schedule annual reviews
Review your coverage yearly as business changes affect premium costs.
Kansas Workers’ Comp: Bottom Line
Kansas businesses have access to several strong workers' compensation insurance providers. Our analysis shows NEXT, The Hartford and Simply Business stand out as the leading carriers in Kansas. Consider getting quotes from these providers and compare their offerings based on your specific industry, company size and financial requirements.
Kansas Workers' Comp Insurance: FAQ
Understanding workers' compensation insurance requirements in Kansas often brings up questions for business owners about costs and compliance. Find answers to your most common questions in our comprehensive FAQ guide below.
Is workers' comp insurance required for all Kansas businesses?
Kansas law requires businesses with annual payroll exceeding $20,000 to carry workers' compensation insurance. Notable exemptions include sole proprietors, independent contractors, and certain agricultural workers. Employers who fail to maintain coverage face penalties up to $25,000 per violation, plus potential criminal charges including misdemeanor convictions and jail time.
How much does workers' comp insurance cost in Kansas?
NEXT offers the most affordable workers' comp insurance in Kansas, starting at $67 per month or $803 annually. Your actual premium will depend on your business's industry risk level, payroll size, employee count and claims history.
What does workers' comp insurance cover in Kansas?
Kansas workers' comp insurance covers medical expenses and partial wage replacement for work-related injuries or illnesses. Benefits include hospital care, rehabilitation costs and disability payments. The insurance protects employers from lawsuits, while covering employees but not independent contractors.
Which workers' comp insurance company is best in Kansas?
NEXT leads Kansas workers' comp providers with a 4.62 overall score, excelling in customer service (4.70) and coverage options (4.80). The Hartford follows at 4.57, known for consistent service quality, while Simply Business (4.54) stands out for its extensive coverage options (4.90). Choose based on whether you prioritize service quality, reliability or coverage breadth.
What happens if I don't have workers' comp insurance in Kansas?
Kansas employers with payrolls over $20,000 must carry workers' compensation insurance. Operating without coverage can result in civil penalties up to $25,000 per violation, plus criminal charges in severe cases. Uninsured employers are also directly liable for injured workers' medical costs and lost wages. The Kansas Department of Labor enforces these requirements.
Do sole proprietors need workers' comp insurance in Kansas?
Sole proprietors in Kansas are exempt from workers' compensation requirements unless they work in specific high-risk industries like roofing. While not mandatory for most independent business owners, many choose to purchase coverage voluntarily to protect themselves from work-related injuries and lost income.
How do I choose the right workers' comp insurance company in Kansas?
Get several quotes from workers' comp insurers to compare rates and coverage options.
How We Scored the Best Workers' Comp Insurance Companies in Kansas
- Affordability (50%): Cost drives every small business insurance decision in Kansas's expensive market. We compared monthly premiums across all companies, since even comprehensive policies won't help if you can't afford them.
- Customer experience (30%): When your employee gets hurt, you'll need an insurer that handles claims quickly and treats injured workers fairly. We used J.D. Power ratings, Kansas Department of Insurance complaint data and independent reviews.
- Coverage options (15%): We evaluated each company's policy flexibility, add-on options and coverage limitations for specific Kansas industries and regulatory requirements.
- Financial strength (5%): Premium savings don't matter if your insurer struggles financially. We checked AM Best ratings to ensure recommended carriers can deliver on their promises.
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.