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Nearly all businesses in Kansas are legally required to carry Workers' Compensation Insurance. This insurance coverage protects your business from the legal ramification of injuries that occur while your employees are working. It provides medical costs and lost wages for your employees. Even though many business owners know this and they know work comp coverage is required, they do not take full advantage of all the programs available to their business.
Insurance rates in Kansas are lower than the national average. Because of this more insurance carriers are entering the Kansas market each year. This competition should help keep rates low. We currently carry more than 20 insurance providers. We have a good deal of success quoting restaurants, trucking companies, recycling, home health and more.
Please let us quote your business. You can start a quote online in just minutes or call a specialist at 888-611-7467.
Department of Labor800 SW Jackson, Suite 600Topeka, KS 66612-1227785-296-6767
What is Workers' Compensation?
The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.
How does workers' comp help my business?
Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.
How does workers' comp help my employee?
Employees benefit from workers' comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.
The Kansas Insurance Department administers what is referred to as the Workers’ Compensation Fund for the state of Kansas through its Workers’ Compensation Program. This might also be referred to as the state fund or the assigned risk. Kansas has a state fund that competes with private providers in an attempt to increase competition and force lower rates for business owners. This is one reason why Kansas has Workers' Compensation Rates 17 percent lower than the national average.
No current state laws or rule changes in Kansas.
No current state orders.
Specialized Programs for Select Industries
We work with our national insurance partners to develop targeted programs with easier underwriting requirements and lower rates. We offer a broad range of business class codes that help streamline the quote process so you get the lowest price for coverage.
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Pay As You Go Work Comp
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Kansas is an NCCI State.
NCCI stands for the National Council on Compensation Insurance. NCCI gathers data, analyzes industry trends, and prepares objective insurance rate recommendations. NCCI is the nation’s most experienced and widely used provider of workers compensation information, tools, and services.
Let Workers Compensation Shop.com help your business navigate workers' comp insurance in Kansas.
From ownership rules, class code reviews, to managing audits & claims, we've got your business covered.
Our technology matches your business with insurance companies most likely to offer the best deals.
We leverage our experience and relationships to negotiate your lowest workers' comp rates.
No carrier quotes every class code. That's why we've built a diverse group of great insurance companies.
Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is known as Part 2 of the policy. It adds two additional coverages for employers:
Employers Legal Liability and Legal Defense Costs
In today's world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:
Third Party Lawsuits
Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.
Consequential Bodily Injury
Another party or individual is injured while providing care for the injured employee.
Dual Capacity Legal Action
An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.
Loss of Consortium
A spouse sues for damages caused by the loss of companionship or relations.
Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly known as Stop Gap Coverage.
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