Best Small Business Insurance in Kansas

The Hartford ranks first for Kansas business insurance with top scores for affordability and stability, plus strong customer service. Its low rates and reliable financial backing make it ideal for Sunflower State businesses. NEXT and Simply Business also offer solid coverage options worth considering.

Note: This data represents a small business with 2 employees, $150,000 in payroll and $300,000 in annual revenue. All scores were calculated for four of the most common coverage types in the industry across 79 industries in the United States.

Workers' compensation offers the most affordable monthly premium at $72, while BOP coverage costs the most at $144 per month. Your business type, employee count and claims history affect which coverage you'll need and how much you'll pay

• General Liability Cost: $101 monthly or $1,207 annually
• Workers' Comp Cost: $72 per month or $858 per year
• Professional Liability (E&O) Cost: $75 per month or $905 annually
• Business Owners Policy (BOP) Cost: $144 monthly or $1,722 annually

Note: We analyzed rates for your two-employee business across 79 industries, focusing on general liability, professional liability, workers' compensation and business owner's policies. Our Kansas research covers the companies we surveyed and won't include every rate available to your specific business.

Business insurance costs in Kansas depend on your industry and chosen coverage, ranging from $6 to $1,330 per month. You can compare specific Kansas commercial insurance rates for your industry and desired coverage type below.

Note: We analyzed rates for your two-employee business across 79 industries, focusing on general liability, professional liability, workers' compensation and business owner's policies. Our Kansas research covers the companies we surveyed and won't include every rate available to your specific business.

Below we've summarized business insurance cost factors that affect your premium, specific to Kansas:

• Optional Workers' Compensation Below $20,000 Payroll Threshold: Kansas requires employers with annual payrolls exceeding $20,000 to secure workers' compensation coverage, though businesses below this threshold can opt out entirely. Without coverage, you lose legal protection against employee injury lawsuits but avoid premium costs. Reforms effective July 1, 2024 capped permanent partial impairment benefits, potentially reducing future claim costs for businesses that carry coverage.
• Severe Weather Events More Than Doubled in Recent Years: Kansas experienced 102 billion-dollar weather disasters from 1980-2024, with annual averages jumping from 2.3 events historically to 5.6 events during 2020-2024, a 143% increase. Severe storms in 2023-2024 brought tornadoes, large hail and high winds causing widespread damage to homes, businesses, vehicles and infrastructure. Insurers respond by raising property insurance rates across all Kansas industries to cover escalating severe weather exposure.
• Nuclear Verdicts Drive Liability Insurance Premium Increases: Nuclear verdicts exceeding $10 million increased 27% nationally in 2023, with median awards reaching $44 million according to the U.S. Chamber of Commerce Institute for Legal Reform. These escalating verdicts particularly affect product liability, auto accidents and general negligence cases. Your commercial general liability, auto and professional liability premiums rise as insurers adjust nationwide pricing to cover higher verdict exposure across all states including Kansas.
• Agriculture and Manufacturing Industries Drive Coverage Needs: Kansas's concentration in agriculture, aerospace, food processing, advanced manufacturing and animal health creates higher baseline insurance costs than service-sector states. The state produces nearly 20% of all U.S. wheat and maintains strong agricultural equipment manufacturing. If you operate in these industries, expect elevated workers' compensation costs from equipment operation and higher product liability premiums from food production and aerospace component manufacturing compared to office-based businesses.

Comparing business insurance quotes from multiple commercial insurers helps you find the best rates for your policy. Make sure you're evaluating similar coverage levels and policy features to compare appropriately. Use MoneyGeek's business insurance quote tool below to get matched to affordable small business insurance options that fit your needs.

Kansas keeps business insurance requirements straightforward compared to other states. You'll find the specific coverage requirements your business needs listed below.

Kansas business insurance operates with minimal regulation, giving you flexibility to select coverage that matches your specific needs. We've analyzed what works best for the major industries driving Kansas business.

Getting business insurance in Kansas means planning for scenarios most small business owners don't expect, like losing 60% of your revenue when tornado warnings shut down the Kansas State Fair during your peak week. These steps help you build coverage around real Kansas business risks.

The Hartford leads Kansas business insurance with the lowest rates and strongest financial stability, while NEXT and Simply Business offer competitive alternatives. Your right fit depends on tornado exposure, workers' comp requirements and industry-specific risks, so compare claims service and maximize discounts to secure protection within your budget.

Small business owners in the Sunflower State often have questions about finding suitable business insurance coverage. We answer common concerns below:

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 hurricane risks and the state's optional 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 compared company rates across all coverage types to identify the most cost-effective options for small businesses that need comprehensive financial protection without overpaying.
• Customer experience (30% of score): We analyzed J.D. Power satisfaction ratings, NAIC complaint data, online review sites and independent agency feedback to assess real-world service quality when you need claims handled quickly.
• Coverage options (15% of score): We evaluated the breadth of coverage types, policy limits and add-on options available to accommodate growing businesses and Kansas's diverse industry needs.
• Financial strength (5% of score): We reviewed AM Best ratings, Moody's assessments and company financial reports to ensure insurers can reliably pay claims, especially important given Kansas's frequent weather disasters.

This approach helps Kansas small business owners compare insurers on what matters most: affordable premiums, reliable service, adequate coverage and financial stability.