No matter what kind of business you’re in, you can experience an unexpected fire, a break-in, or a weather event that damages your commercial property.
If you’re accused of harming someone else or damaging someone’s property as a result of your operations or your products, you can be expected to pay for property damage and medical expenses for the injured parties. It’s also quite common for businesses to be sued in these instances.
That’s why you need business insurance in Kansas. The policies and the amount of coverage you need depend on the type of business you’re in and the value of your inventory and assets.
Business insurance is not required in Kansas, but if your business owns any vehicles, or you drive your personal vehicle for business purposes, you are required to purchase commercial vehicle insurance (just like Kansas drivers are required to purchase personal auto insurance).
If you have employees, Kansas law requires you to purchase workers’ compensation insurance that protects workers who are injured on the job.
In addition, most Kansas business owners will need business property insurance and general liability insurance at a minimum in order to properly protect their assets.
Contact an independent business insurance agent in Kansas for the coverage you need.