Independent Contractor Insurance Kansas

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Independent Contractor Insurance Kansas Policy Information

KS Independent Contractor Insurance

Independent Contractor Insurance Kansas. Being an 1099 independent contractor can be liberating, but it is not without its own risks, just like a small business. If you work as an independent contractor in KS, you must protect yourself financially; the IRS views independent contractors as small business owners, and as a small business, there are inherent perils involved that can leave you liable and on the receiving end of lawsuit from a disgruntled client or injured customer.

Although the type of work that you do determines your exact risk level, having the right independent contractor insurance Kansas protection in place can prevent personal financial loss, impeding your success.

Independent contractor insurance Kansas protects your 1099 business from lawsuits with rates as low as $27/mo. Get a fast quote and your certificate of insurance now.

Types of Insurance for Independent Contractors

Whether your job entails entering data or offering digital marketing services, doing plumbing work, or providing carpentry work in a client's home, you face risks everyday as an 1099 independent contractors. There are several types of coverage that can help to mitigate those risks, and investing in this coverage is a good way to ensure your business stays healthy and productive.

Although a general liability policy is a good place to start for independent contractors, there are other types of independent contractor insurance Kansas you should consider, including:

  • Errors and omissions coverage. Contractors often provide advice and consultation services. If this describes some of the services that you offer in your role as an interior designer, financial planner, landscape architect, accountant or other job, then you need to protect yourself from losses a client may experience as a result of your advice or recommendations. This insurance protects you from claims of errors and omissions.
  • Bodily injury and property damage coverage. Protect your business from claims of bodily injury and property damage with this type of coverage. If you are a contractor who works with heavy tools and machinery, such as an electrician, plumber or remodeler, then you should be concerned with accidents that might occur from compressed gas, defective machinery or power tools. This coverage protects you from these unexpected accidents and events.
  • Liquor or product liability. If you serve food or drinks at events, then product and liquor liability insurance is important. If a client is injured or becomes ill from eating or drinking items you provide, then you can fall back on this insurance for any claim that is lodged.
  • Medical and disability coverage. This type of coverage provides medical coverage to you as an independent contractor, since most contractors do not have their own health insurance or disability insurance. If you become ill or hurt, this is coverage that you will appreciate owning.

Who Should Buy Independent 1099 Contractor's Insurance?

There are several types of independent contractors who need to consider contractor's insurance. Some of them are:

  • Construction workers working independently
  • Independent painters, electricians, carpenters and plumbers
  • Repairmen
  • Dog or horse trainers
  • Hair stylists and manicurists
  • Writers and editors working as freelancers
  • Web designers
  • Graphic designers

What is Liability Insurance for Independent Contractors?

Independent contractor insurance Kansas for 1099 contractors is a type of insurance that protects the contractor from third-party damage losses and lawsuits that might otherwise leave their businesses financially devastated. The policy chosen should cover:

  • General liability. A general liability policy provides coverage for both bodily injury and property damage. For instance, if you or a sub-contractor falls and gets hurt while roofing a home, this policy would cover the medical costs associated with the fall. If you cause damage to a client's lawn while repairing the roof, it will also provide coverage for repairs.
  • Advertising personal injury coverage. If you cause damage to someone's reputation through false advertising, slander or libel, this coverage protects you from claims.
  • Completed product/operations. If your failure to complete a project causes damage to the client, this coverage will pay for associated claims.

These are standard independent contractor insurance Kansas coverage types for contractors. Your policy should be tailored to your own unique needs and the risks that you take as an independent contractor and the liabilities that you face. It may be the case that a standard business owner's policy is sufficient for your needs. This policy, also referred to as a BOP, offers property damage and bodily injury coverage and may also offer business income protection or commercial vehicle insurance as well.

You should also consider worker's compensation insurance. This is required by some states if you have a certain number of employees, but working as an 1099 independent contractor, you may want to look into purchasing your own worker's compensation policy to cover medical bills and other expenses if you become ill or injured due to perils on the job.

Work with a knowledgeable insurance agent to determine which policy coverages are right for you. Your agent can assess your risks and help you find the best policy while comparing rates to find an affordable option that you can easily budget.

Kansas Economic Data, Regulations And Limits On Commercial Insurance

Made In Kansas

Whether you're an experienced business owner who has successfully started several companies or you're a novice who is looking to establish your first startup, selecting the right location for your operations is extremely important.

It doesn't matter how stellar the products and services you offer are, if the location where your business is located doesn't offer a favorable climate, it's more than likely you aren't going to succeed.

With that said, if you're thinking about starting a new business or opening a division of your existing company in the state of Kansas, having an understanding of the economic data of the state is crucial.

Additionally, you it's also a good idea to know what type of commercial insurance policies you'll need to invest in if you operate a business in the state. Below, we provide an overview of this information so you can determine if the Sunflower State is the right place for your business endeavor.

Economic Trends For Business Owners In Kansas

In regard to job growth, the state of Kansas exceeds the national average. As of December, 2019, the unemployment rate was 3.2%, reports the Bureau of Labor Statistics; that's 0.3% lower than the national unemployment rate, which was 3.5% at the same time.

The rate has remained relatively steady, as it was 3.3% in December of 2018 and 3.5% in January of 2018; in fact, it has slightly improved. As per economists, the workforce and the economy is considered to improve or at the very least, remain steady, in upcoming years.

The state of Kansas, overall, is considered a good location for business owners; however, there are specific areas that provide better opportunities than others. Generally, these areas are the state's largest metropolitan regions and the suburbs that surround them, including:

  • Emporia
  • Kansas City
  • Lenexa
  • Merriam
  • Mission
  • Overland Park

Not only are these cities seeing an increase in the number of new businesses, but they also have an ample workforce, as well as a higher median income, than other areas in the state.

While there are several industries that thrive in KS, there are particular sectors that tend to do better than others. These include:

  • Advanced manufacturing
  • Aerospace engineering
  • Agriculture
  • Aviation
  • Biosciences and health
  • Cattle production
  • Energy
  • Food processing
  • Logistics and distribution
  • Non-fuel industrial minerals
Commercial Insurance Requirements In Kansas

The Kansas Insurance Department regulates insurance in KS. Kansas mandates very few forms of insurance coverage by law. They enforce worker's compensation.

Kansas requires you to have worker's compensation insurance if you hire even one employee on a regular basis unless your business is involved in certain agricultural areas or has a gross annual payroll of less than $20,000. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

Kansas also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Additional Resources For Small Business Insurance

Protect your company and employees with the right commercial insurance policies. Read informative articles on small business insurance coverages - and how they can help shield your company from legal liabilities.


Small Business Commercial Insurance

Your small business faces many potential disasters including: fire, floods, theft, equipment breakdown, lawsuits from clients or customers and current & former employees. Any many other risks you haven't even thought about.

A small business commercial insurance program should provide protection for both larger and smaller disasters. The obvious things like fire, flood and theft most business owners think about... but what if a hacker infects your computers with a virus - and files containing private customer information like credit card and Social Security numbers are stolen?

Who is going to pay to fix your customers credit rating etc...? Will your insurance pay for the cost? You need to know that.

Your commercial insurance program should cover events that can close down your company, or cause it to lose revenue. Anything less than that is not enough coverage. Commmercial insurance doesn't cover everything, and all policies have exclusions and limits.

You need a written plan that allows you to get your operations back up and running as quick as possible.


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Also find Kansasa insurance agents & brokers and learn about Kansas small business insurance requirements for general liability, business property, commercial auto & workers compensation including KS business insurance costs. Call us (620) 205-2115.

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