Liability Insurance Kansas

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Liability Insurance Kansas Policy Information

Liability Insurance KS

Liability Insurance Kansas. In some situations, a person or business may unwillingly cause a person or party to be injured or damaged. If the affected person claims the damage, the individual or organization may undergo financial loss. For example, a mail carrier may slip on your icy driveway and get injured. He can sue you for pain, suffering, medical expenses and lost income. A customer gets sick from using one of your products and takes your business to court. You accidentally ideure someone while driving and wind up in court, paying substantial legal bills.

No one is immune from such occurrences. Without adequate liability insurance Kansas coverage, they can cause devastating effects to your business or career.

Liability insurance Kansas protects your company from lawsuits with rates as low as $47/mo. Get a fast quote and your certificate of insurance now.

With court awards and legal fees getting more and more expensive, it is vital for everyone to get liability coverage from a trusted liability insurance Kansas provider. The insurer's duty is to defend you and cover legitimate claims posed against you up to a certain limit. All costs including your defense costs and the cost of settling claims are covered, and this provides you with invaluable peace of mind.

Liability insurance Kansas protects you against loss if your actions, negligence, or a condition of your property causes injury or death to a person or property belonging to another person is damaged or destroyed. Without liability insurance, you would be on your own if you are found legally responsible for any number of reasons.

Below are the types of liability insurance Kansas businesses and professionals need to have:

Workers Compensation Insurance

According to KS law, employers in Kansas are responsible for the safety of their employees whenever they are at work. An employee may get injured while they work, or a former employee becomes ill due to the work they did while on your employment. Such employees may sue you or your organization and claim compensation if they believe that you are responsible. Employers' liability insurance Kansas ensures that you are protected from financial loss due to such claims. However, if your employee gets injured due to a motor accident, you may be covered by your motor insurance against any compensation claims. Employee liability insurance is compulsory in KS for any employees of a business that are not owners, and you can be fined for not having a current insurance policy that complies with KS state laws.

Public Liability Insurance

Public liability insurance covers an individual, business, a contractor or even a community building from any costs of legal action if they are found responsible for injury or death of a person, or loss or damage of property. It covers you from claims made by members of the public or other businesses against you, but your employees can't sue you. Unlike employers' liability, public liability insurance Kansas is not compulsory in most cases.

Nevertheless, businesses in all industries are recommended to have a public liability cover if there is a likelihood of being sued for negligence. In some cases, it is mandatory. For example, licensing authorities may require a business to have it to hold public events. This type of cover does not help you if you are involved in known criminal actions or hazardous activities.

The popularity of public liability insurance Kansas is increasing, and it may be included in insurance policies. If you find out that you are covered for public liability in other insurance products, ensure that the amount you are covered is enough.

Product Liability Insurance

According to government statistics, defective and dangerous products cause thousands of ideuries annually in the United States. Responsibility for such injury may be distributed among all people who are involved in the product chain. Parties exposed to product liability claims include the manufacturer, importer or distributor, the party who assembles and installs the products, the wholesaler and the retail store from which the customer got the product.

If you manufacture, import, sell or distribute products in KS, you should have product liability cover from your liability insurance Kansas company of choice. It covers you for any damage or injury that may be caused by the use of your products. People who believe that they have been harmed by your product can sue you without having to prove that you were negligent or had the intention to cause harm.

Product liability insurance may also cover for claims made by a customer if they are harmed by the lack of adequate instruction on the use of a product. These claims might even be due to failure to warn on your product label. Therefore, this type of insurance is vital to any business that manufactures or distributes products.

Professional Indemnity

Regardless of how many years of experience you or your firm may have, there is a possibility that one day you or one person in your team will make a mistake. It might be professional negligence, loss of data, unintentional breach of confidentiality or defamation.

Professional indemnities (also know as errors and omissions (E&O) and professional liability) are designed to protect professionals such as doctors, lawyers, chartered accountants, architects, etc... from legal liabilities to pay for any damage caused by their negligence as they perform their professional duties. Someone may sue you if he/she suffers a loss after applying your professional advice or receiving your service. Different types of professional indemnities are designed for different professions. For instance, the medical profession has medical insurance indemnity as a requirement for professional registration or licensing.

With respect to industry bodies regulatory requirements, professional indemnity liability insurance Kansas is mandatory especially for professionals such as accountancy, surveying, engineering to name but a few. Also, professionals working on contract terms such as IT consultants, business and management consultants will certainly need PI insurance to get a contract. However, large or small a professional business is, without PI insurance the business is left vulnerable to financial and reputation compromise.

Why You Need KS Liability Insurance

Even if you are not legally obliged to have liability insurance Kansas, without it you are at risk of paying thousands if not millions of dollars in compensation and legal fees whenever suit is brought against you in court. This is in addition to the opportunity cost of lost time and resources when you are defending the allegations against you. There are many listed liability insurance Kansas companies that can provide you with adequate liability cover for your business and profession. You need it sooner than later so that you can edeoy peace of mind as you focus on providing your customers with the best products and services and growing your business.

KS General Liability Insurance By Industry

Small Business

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

Construction Contractors

Learn about Kansas construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your KS construction business from lawsuits.

Contractors and Home Improvement

Learn about Kansas contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your KS business from lawsuits.

Commercial Property

Read up on Kansas commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.

Professional Services

Get informed about Kansas professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.

Advertising, Marketing and Media

Learn about Kansas media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.

Real Estate

Learn about Kansas real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.

Retail

Read valuable Kansas retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.

Auto Service and Repair

Read about Kansas auto service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.

Health and Beauty

Learn about Kansas health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.

Information Technology and Internet

Learn about Kansas IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.

Food and Drink

Learn about Kansas restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.

Medical and Dental

Discover Kansas business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.

Manufacturing and Wholesale

Read informative articles on Kansas manufacturing and wholesale insurance. Manufacturing and wholesale companies face many risks due to the nature of their business operations.

Education, Colleges, Universities & Schools

Learn about Kansas commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.

Sports and Fitness

Learn about Kansas sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.

Children and Pets

Discover what Kansas commercial insurance policies cover for children and pet related businesses.

Miscellaneous

Find informative articles on miscellaneous KS businesses including the types of commercial insurance they need, costs and other considerations.

Non-Profit

Find useful articles on business insurance for Kansas non-profit 501(c)(3) organizations, charities and associations.

Arts and Recreation

Read up on Kansas arts and recreation commercial insurance.

Agribusiness

Learn about KS agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.

Commercial Auto

Learn about Kansas commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.

Kansas General Liability Insurance Information

KS Commercial Insurance Articles

Read informative articles on Kansas commercial insurance including costs and coverages.



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.

Request a free Liability Insurance Kansas quote in Abilene, Andover, Arkansas City, Atchison, Augusta, Baldwin City, Basehor, Baxter Springs, Bel Aire, Beloit, Bonner Springs, Burlington, Chanute, Clay Center, Coffeyville, Colby, Columbus, Concordia, De Soto, Derby, Dodge City, Edwardsville, El Dorado, Ellsworth, Emporia, Eudora, Fairway, Fort Riley, Fort Scott, Frontenac, Galena, Garden City, Gardner, Garnett, Girard, Goddard, Goodland, Great Bend, Hays, Haysville, Hesston, Hiawatha, Hillsboro, Holton, Hugoton, Hutchinson, Independence, Iola, Junction City, Kansas City, Kingman, Lansing, Larned, Lawrence, Leavenworth, Leawood, Lenexa, Liberal, Lindsborg, Louisburg, Lyons, Maize, Manhattan, Marysville, McPherson, Merriam, Mission, Mission Hills, Mulvane, Newton, Norton, Oaklawn-Sunview, Olathe, Osage City, Osawatomie, Ottawa, Overland Park, Paola, Park City, Parsons, Pittsburg, Prairie Village, Pratt, Roeland Park, Rose Hill, Russell, Sabetha, Salina, Scott City, Shawnee, Spring Hill, St. Marys, Tonganoxie, Topeka, Ulysses, Valley Center, Wamego, Wellington, Wichita, Winfield and all other cities near me in KS - The Sunflower State.

Also 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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