The Hartford tops our analysis of Kansas business insurance providers because of its strong customer service and comprehensive coverage. NEXT and Simply Business are also reliable options for small business owners across the state.
Business Insurance in Kansas
The Hartford tops our Kansas business insurance rankings with a MoneyGeek score of 4.63 out of 5.
Find affordable coverage that protects your small business in Kansas below.
Select your industry
Select state
Updated: August 21, 2025
Advertising & Editorial Disclosure
Key Takeaways
The Hartford, NEXT and Simply Business offer the best business insurance in Kansas based on MoneyGeek's analysis.
The best business insurance in Kansas depends on your industry risks, employee count and preferred coverage limits.
To find the best coverage, assess your risks, compare multiple quotes, research provider service quality and maximize available discounts.
Best Business Insurance Companies in Kansas
| The Hartford | 4.63 | 1 | 2 | 3 |
| NEXT | 4.62 | 4 | 1 | 2 |
| Simply Business | 4.49 | 4 | 5 | 1 |
| Nationwide | 4.47 | 7 | 2 | 4 |
| Coverdash | 4.41 | 5 | 6 | 2 |
| biBERK | 4.38 | 8 | 2 | 5 |
| Progressive Commercial | 4.32 | 3 | 7 | 5 |
| Thimble | 4.29 | 2 | 8 | 5 |
| Hiscox | 4.27 | 6 | 4 | 6 |
| Chubb | 4.26 | 9 | 3 | 4 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Best by Coverage Type
For Kansas businesses, The Hartford is the best provider of general liability coverage and business owner's policies (BOP). NEXT excels in professional liability insurance and workers' compensation coverage.
| Business Owners Policy | The Hartford | 4.67 |
| General Liability | The Hartford | 4.60 |
| Professional Liability (E&O) | NEXT | 4.71 |
| Workers Compensation | NEXT | 4.62 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Best Kansas Small Business Insurance Reviews
Our research identified the top three business insurance providers in Kansas based on coverage options and value. Here's what makes each company stand out for small business owners in the Sunflower State.
The Hartford
Best for Affordability
MoneyGeek Rating
4.6/ of 5
4.6/5Affordability
4.6/5Customer Experience
4.7/5Coverage Options
Average Monthly Cost of General Liability Insurance
$79This rate is for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Average Monthly Cost of Workers' Comp Insurance
$68This rate is for small businesses with two employees across 79 major industries or business types and focus solely on workers' comp policies.Our Survey: Claims Process
4.5/5Our Survey: Likely to Be Recommended to Others
4.5/5
NEXT
Best Customer Experience
MoneyGeek Rating
4.6/ of 5
4.4/5Affordability
4.7/5Customer Experience
4.8/5Coverage Options
Average Monthly Cost of General Liability Insurance
$100This rate is for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Average Monthly Cost of Workers' Comp Insurance
$67This rate is for small businesses with two employees across 79 major industries or business types and focus solely on workers' comp policies.Our Survey: Claims Process
3.9/5.0Ranked #4 nationallyOur Survey: Likely to Be Recommended to Others
4.8/5.0Ranked #1 nationally
Simply Business
Best for Coverage Availability
MoneyGeek Rating
4.5/ of 5
4.4/5Affordability
4.2/5Customer Experience
4.9/5Coverage Options
Average Monthly Cost of General Liability Insurance
$93This rate is for small businesses with two employees across 79 major industries or business types and focus solely on general liability policies.Average Monthly Cost of Workers' Comp Insurance
$69This rate is for small businesses with two employees across 79 major industries or business types and focus solely on workers' comp policies.Our Survey: Claims Process
3.7/5Ranked 8th nationallyOur Survey: Likely to Be Recommended to Others
4.2/5Ranked 8th nationally
Cheapest Business Insurance Companies in Kansas
The Hartford provides the most affordable business insurance in Kansas at $82 monthly ($978 annually), while Thimble and Simply Business follow with competitive rates at $91 and $94 per month. You can compare all available rates and coverage options in the table below.
| The Hartford | $82 | $978 |
| Thimble | $91 | $1,096 |
| Simply Business | $94 | $1,128 |
| Progressive Commercial | $96 | $1,151 |
| NEXT | $97 | $1,165 |
| Coverdash | $98 | $1,175 |
| Nationwide | $99 | $1,184 |
| biBERK | $102 | $1,220 |
| Hiscox | $105 | $1,256 |
| Chubb | $115 | $1,376 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Cheapest General Liability Insurance Companies in Kansas
Kansas business owners can find the cheapest general liability coverage through The Hartford at $79 monthly. Simply Business offers the next most affordable option at $93 per month. Compare all provider rates in the table below.
| 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. Survey results reflect limited sample data and may not represent all available rates in your area.
Cheapest Professional Liability Insurance Companies in Kansas
The Hartford offers the most affordable professional liability insurance (E&O) at $69 monthly ($827 annually). NEXT provides another budget-friendly option for Kansas business owners.
| The Hartford | $69 | $827 |
| NEXT | $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 for small businesses with two employees across 79 major industries or business types and focus solely on professional liability/errors and omissions policies. Survey results reflect limited sample data and may not represent all available rates in your area.
Cheapest Workers’ Comp Insurance Companies in Kansas
NEXT provides the cheapest workers' comp coverage in Kansas at $67 monthly ($803 annually). The Hartford and Thimble also offer competitive rates, making all three solid choices for affordable business coverage.
| 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. Survey results reflect limited sample data and may not represent all available rates in your area.
Cheapest BOP Insurance Companies in Kansas
The Hartford offers the cheapest BOP rates in Kansas, with an average monthly cost of $110 ($1,321 annually). Business owners can also find affordable BOP insurance from Thimble, Simply Business and Nationwide.
| The Hartford | $110 | $1,321 |
| Thimble | $118 | $1,419 |
| Simply Business | $140 | $1,678 |
| Nationwide | $143 | $1,713 |
| Progressive Commercial | $144 | $1,730 |
| biBERK | $145 | $1,743 |
| Coverdash | $146 | $1,748 |
| NEXT | $151 | $1,810 |
| Hiscox | $163 | $1,959 |
| Chubb | $175 | $2,100 |
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 BOP policies. Survey results reflect limited sample data and may not represent all available rates in your area.
How Much Does Business Insurance Cost in Kansas?
Business insurance in Kansas costs between $72 and $144 monthly, with workers' compensation being the most affordable and business owner's policies the most expensive. Rates vary based on the coverage type your business needs.
| BOP | $144 |
| General Liability | $101 |
| Professional Liability (E&O) | $75 |
| Workers Comp | $72 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
Cost of Business Insurance by Industry and Coverage
Business insurance costs in Kansas vary by industry and coverage type. Our analysis shows workers' compensation for speech therapists costs just $6 monthly, while pressure washing businesses pay as much as $1,330 monthly for a business owner's policy.
Data filtered by:Results filtered by:
Select
Coverage Type:Business Owners Policy
Select
Industry:Accountants
| Accountants | Business Owners Policy | $31 |
How Did We Determine These Rates?
These rates are for small businesses with two employees across 79 major industries or business types and focus on four coverage types: general liability, professional liability/E&O, workers' comp and business owner's policy. Survey results reflect limited sample data and may not represent all available rates in your area.
What Factors Influence My Costs?
Want to know why your premiums are so high? We listed several factors that impact your premiums:
Industry Risk Level
Your business type drives insurance costs more than any other factor. Construction companies pay much higher rates than consultants because job sites have more accidents and injuries. A construction firm might pay $500 monthly for coverage, while an accounting firm could pay under $50 for similar protection levels.
Geographic Location and Weather Risks
Kansas weather patterns directly affect your business insurance rates. According to NOAA data, Kansas ranks among the top states for tornado frequency, with severe storms causing billions in damage since 1980. These weather risks cause insurers to charge higher rates, especially for property coverage.
Business Size
Your employee count and revenue directly impact insurance costs. Workers' compensation rates are calculated per $100 of payroll, while liability coverage costs reflect your customer volume and annual revenue. A retail store with 15 employees pays substantially more than a solo consultant working from home.
Claims History
Filing claims raises your rates across all coverage types for years. Even a single liability claim can increase premiums by 20% or more. Insurance companies offer better rates to businesses that maintain claim-free records and implement strong risk management practices.
Coverage Types and Limits
Your premium reflects the coverage types you choose and your coverage limits. Higher liability limits increase costs but provide better protection. Many Kansas businesses save money with business owner's policies that bundle property and liability coverage together.
Years in Business
New businesses pay higher premiums because insurers lack data to assess their risk level. After operating claim-free for three to five years, most businesses qualify for lower rates as they build a positive insurance track record.
Professional Certifications
Safety certifications and professional licenses can reduce your insurance costs, especially in high-risk industries. Many insurers offer rate discounts for OSHA safety training, industry certifications, and risk management programs that reduce accident potential.
Kansas Business Insurance Buying Guide
Getting business insurance can feel overwhelming when you're busy running your company. We created a simple guide to help you understand your insurance options in Kansas, with clear steps to get the coverage your business needs.
What Coverage Is Required?
We researched all Kansas business insurance requirements to save you time. Review our detailed breakdown of coverage requirements in the section below.
Workers' Comp
Kansas requires all employers to carry workers' compensation insurance, with some limited exceptions based on payroll size and business type. Employers with a gross annual payroll of less than $20,000 are exempt from the requirement. Sole proprietors without employees, business partners and members of limited liability companies don't need coverage. Certain agricultural employers may also qualify for exemptions. However, most businesses with employees must carry workers' comp to cover medical costs and disability benefits for work-related injuries and illnesses.
Commercial Auto Insurance
All business-owned or leased vehicles in Kansas must be covered by commercial auto insurance with minimum liability limits of $25,000/$50,000/$25,000. This means $25,000 for bodily injury per person, $50,000 for bodily injury per accident and $25,000 for property damage per accident. Kansas also requires personal injury protection (PIP), uninsured motorist and underinsured motorist coverage. If employees use personal vehicles for business purposes, consider hired and non-owned auto coverage to protect your business from liability.
Unemployment Insurance Tax
Kansas employers must register with the Kansas Department of Labor and pay unemployment insurance taxes when they meet specific wage or employment thresholds.A business must register if it pays $1,500 or more in wages during a single calendar quarter, or employs at least one worker for 20 weeks in a calendar year. For 2025, new non-construction employers pay 1.75% on wages up to $14,000 per employee, while new construction employers pay 5.55%. Established employers pay rates ranging from 0% to 6.65% based on their experience rating.
What Coverage Do We Recommend?
Kansas keeps business insurance requirements simple, but smart coverage choices protect your company's future. Here's our analysis of the best coverage options for the Sunflower State's leading industries:
Manufacturing | General liability, product liability, workers' compensation, commercial property, business interruption, tornado coverage, hail damage protection, aviation component coverage, supply chain interruption | Kansas manufacturers in aviation, agriculture equipment and food processing face frequent tornado damage and severe hailstorms. Aircraft component manufacturing requires specialized product liability for safety-critical aviation parts with global supply chain exposure. |
Food | General liability, product liability, commercial property, equipment breakdown, business interruption, contamination coverage, recall coverage, tornado coverage, drought coverage, workers' compensation | Kansas food processors handle wheat, beef and other agricultural products with contamination risks and massive recall exposure. Tornado damage to facilities can trigger widespread contamination, while drought affects crop quality and supply chains. |
Trucking | Commercial auto, cargo coverage, general liability, workers' compensation, tornado coverage, hail damage protection, agricultural transport coverage, grain elevator coverage, severe weather delays | Kansas trucking companies transport agricultural products through Tornado Alley with extreme weather exposure. Grain transportation creates dust explosion risks, while severe weather can damage cargo and create massive traffic delays during storm seasons. |
Construction/Contractor | General liability, workers' compensation, commercial auto, builder's risk, professional liability, tornado coverage, hail damage protection, wind turbine construction coverage, severe weather delays | Kansas construction faces frequent tornado damage, devastating hailstorms and severe weather delays. Wind farm construction requires specialized coverage for renewable energy projects and extreme weather exposure during installation in open prairie environments. |
How to Get the Best Cheap Business Insurance in Kansas
Running a small business in Kansas means watching every dollar, including insurance costs. Here's how to secure the protection your business needs while keeping your insurance expenses under control:
- 1
Assess Your Actual Risks First
Start by evaluating real business risks rather than accepting blanket recommendations. A retail store needs strong property and liability coverage, while an IT consultant should focus on professional liability and cyber protection.
- 2
Get Quotes From Multiple Insurers
Insurance companies calculate risk differently, leading to significant price variations for the same coverage. Contact at least three providers to compare rates and potentially save hundreds in annual premiums.
- 3
Choose Providers Based on Service Quality
Look beyond price to examine each insurer's financial strength and claims processing reputation. A Kansas contractor needs an insurer with construction expertise, while a restaurant requires one known for quick response to property claims.
- 4
Maximize Every Discount
Combine multiple policies and maintain good safety records to reduce costs. A retail store can save by bundling property and liability coverage while documenting security measures.
- 5
Review Coverage Annually
Business needs change with growth and new services. A home-based business that expands to a storefront needs updated property coverage, while adding delivery services requires commercial auto insurance.
Kansas Business Insurance: Bottom Line
Based on our analysis, The Hartford, NEXT and Simply Business are Kansas's best business insurance providers. However, what's ideal for you depends on your business risks and employee needs. Research each company's service quality, maximize discounts and select coverage that fits your budget.
Small Business Insurance in Kansas: FAQ
Small business owners have many questions about finding the right business insurance in Kansas. We answer the most common questions below.
What business insurance is required by law in Kansas?
Kansas requires workers' compensation for businesses with $20,000 in annual payroll. Commercial auto coverage minimums are $25,000/$50,000/$25,000. Contractors need surety bonds, but general liability isn't legally mandated.
How much does business insurance cost in Kansas?
Business insurance costs in Kansas range from $72 to $144 monthly, depending on coverage type. Workers' compensation is the most affordable at $72, while BOPs cost $144. Actual costs depend on your industry, business size and claims history.
Which company has the cheapest business insurance in Kansas?
The Hartford offers the lowest rates at $82 monthly in Kansas, with Thimble ($91) and Simply Business ($94) following behind. Always compare quotes since rates vary based on specific risks.
What business insurance do I need for my small business in Kansas?
Begin with general liability coverage to protect against customer injuries and property damage. Consider workers' compensation for employees and commercial auto for company vehicles. Retailers need property insurance, while contractors require equipment coverage and builder's risk insurance.
What is the best business insurance company in Kansas?
The Hartford leads business insurance in Kansas with a MoneyGeek score of 4.63 out of 5.0. NEXT and Simply Business are also excellent choices. Consider comparing multiple insurance providers to find coverage matching your business requirements.
Do small businesses in Kansas need workers' compensation insurance?
Kansas requires workers' compensation for businesses with an annual payroll exceeding $20,000. Buying coverage protects against employee injury lawsuits that could devastate a small business financially.
What factors affect business insurance costs in Kansas?
Your industry type has the greatest impact on insurance costs. Construction businesses pay higher premiums than retail stores. Location within Kansas affects rates, with tornado-prone areas costing more. Company size and claims history influence costs, while safety programs can reduce premiums.
How do I get cheap business insurance in Kansas?
Compare quotes from multiple insurers and assess your specific business risks. Consider bundling policies with top-rated carriers like The Hartford or NEXT for better rates and comprehensive coverage.
What's the difference between general liability and errors and omissions (professional liability) insurance in Kansas?
General liability insurance protects against physical incidents like customer injuries or property damage. Professional liability insurance covers service-related mistakes like missed deadlines or incorrect professional advice.
Can I get business insurance quotes online in Kansas?
Yes, leading Kansas insurance providers offer online quotes. Have your business information ready for accurate estimates. Complex businesses may need an agent for specialized coverage options.
How We Scored the Best Business Insurance Companies in Kansas
Small business owners in Kansas need reliable coverage that protects their operations without breaking their budgets. We designed our methodology to help Kansas entrepreneurs navigate challenges like tornado risks and the state's workers' compensation laws.
We studied thousands of quotes from 79 industries across four coverage types for a two-employee firm with $300,000 annual revenue and $150,000 payroll. All policies included $1 million per occurrence and $2 million total per year, with BOPs adding $5,000 business property coverage.
- Affordability (50% of score): We analyzed premium costs across multiple carriers and coverage types, comparing rates for similar business profiles to identify the most cost-effective options.
- Customer experience (30% of score): Our evaluation included claims processing speed, customer service responsiveness and online account management capabilities.
- Coverage options (15% of score): We examined policy customization options, industry-specific endorsements and coverage limit flexibility.
- Financial strength (5% of score): We reviewed AM Best ratings and other financial stability indicators to ensure reliable claims-paying ability.
This approach helps Kansas small business owners compare insurers on what matters most: affordable premiums, reliable service, adequate coverage and financial stability.
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
- NEXT. "NEXT Empowers Agents with Enhanced Products, Cutting-Edge Digital Tools, Opening New Revenue Opportunities and Sparking Momentum in Small Business Insurance." Accessed August 21, 2025.
- Simply Business. "Simply Business Offers Insurance to Third-Party Sellers Through Amazon Insurance Accelerator." Accessed August 21, 2025.
- The Hartford. "Customer Claims Ratings and Reviews." Accessed August 21, 2025.
- Trustpilot. "NEXT." Accessed August 21, 2025.
- Trustpilot. "Simply Business US." Accessed August 21, 2025.
- Trustpilot. "The Hartford." Accessed August 21, 2025.
- National Centers for Environmental Information. "Billion-Dollar Weather and Climate Disasters." Accessed August 21, 2025.