National Business Insurance Stats

Number of businesses in the US: 30,819,176

Burglary rate per 1,000 residents in the US: 3.76

Auto theft rate per 1,000 vehicles in the US: 2.29
CityNo. of businessesBurglaries / 1,000 peopleAuto thefts / 1,000 cars
Colby6161.511.13
Dodge City1,9663.111.98
Garden City2,2942.471.58
Hays2,7881.440.72
Hutchinson2,8646.411.51
Lawrence8,2385.481.92
Manhattan4,1193.121.2
Olathe9,9800.871.35
Overland Park20,7031.961.77
Salina3,5944.552.84
Topeka8,9937.27.66
Wichita31,1406.865.91

Business Insurance in Kansas FAQ - Quick Answers

While you can't know your exact costs for your business insurance in Kansas without quotes, you can understand what impacts them below:

  • Type of industry
  • Number of employees
  • Gross annual sales
  • Location of business
  • Number of company vehicles
  • Safety practices in place
  • Past claims reported
  • Number of years in operation

Your small business will need several policy types when it comes to having proper protection. In Kansas, workers' compensation insurance is mandatory when you have 1 or more employees. You'll also be required to have the minimum limits of liability for any company-owned autos. Other policies are not legally mandated.

Your small business insurance will have numerous policy options that are customized to your needs. In Kansas, here are some of the most common policies to obtain:

In Kansas, liability options are plentiful and there are different types as they pertain to your operations. Here are some policies that could apply to your company:

Health insurance plans for small businesses can be purchased through a local independent insurance agent. However, you're not required to offer health coverage unless you have 50 employees or more. 

When it comes to small business insurance, you'll have options. In Kansas, Nationwide, Hanover, Stillwater, and Travelers insurance companies are highly rated among their peers. This is due to their exceptional claims handling and superior coverage offerings.

Do You Know What Your Business Insurance in Kansas Covers?

Find the Best Business Insurance in Your City

  1. Wichita, KS
  2. Business Insurance Common Coverage Options
  3. Property
  4. With a fairly high property crime rate in this city, Wichita business owners may find that property coverage costs a bit more than it does in safer cities. Commercial property insurance can cover your business assets against loss and damage caused by disasters, both natural and man-made, and property crimes.
  5. Commercial Auto
  6. Business-owned vehicles must be covered by commercial auto insurance. With the very high number of vehicle thefts in Wichita, you may want to include optional comprehensive coverage as part of your auto policy. This can provide compensation if your vehicle is stolen or is damaged due to various non-collision-related events.
  7. Workers’ Compensation
  8. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers’ compensation rates vary so significantly depending on your industry.
  9. Based on a $100,000 annual payroll, here is what workers' comp costs for the two leading industries in Wichita, KS look like.
  10. Manufacturing Industry, $3,560/year
  11. Construction Industry, $7,500/year 
  12. The cost to provide manufacturing employees with workers' compensation insurance may be higher or lower than the rate shown above, depending on what your company makes and the associated risks of work-related injuries. Rates to cover construction jobs are often on the higher end because of the high risk of serious injuries requiring long-term care.


  1. Overland Park, KS
  2. Business Insurance Common Coverage Options
  3. Property: The low rate of property crime in Overland Park can help keep your costs for coverage against theft low. However, you will also need to cover your business-owned property against other hazards such as fires, severe weather, and human error. Commercial flood insurance policies must be purchased separately.
  4. Commercial Auto: Business-owned vehicles must be covered by a commercial auto insurance policy. Your rates will be based on a number of factors, including the number and types of vehicles you are covering and the risk of collisions in Overland Park and its vicinity. Adding optional comprehensive insurance will provide coverage against non-collision damage such as that caused by falling objects, floods, and theft.
  5. Workers’ Compensation
  6. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates vary so significantly depending on your industry.
  7. Based on a $100,000 annual payroll, here is what the workers' comp costs for two leading industries in Overland Park, KS look like.
  8. Professional, Scientific and Technical Services Industry, $560/year 
  9. Retail Trade Industry, $1,040/year
  10. These rates can vary according to the specific scope of the work your employees do. They can also vary according to the type of store you own.


  1. Topeka, KS
  2. Business Insurance Common Coverage Options
  3. Property: The property crime rate in Topeka is higher than the national average, and this may play a role in calculating your rates for property insurance coverage. In addition to covering your business assets against property crime, you will want to be sure you have coverage for major disasters such as fire, flood, and severe weather.
  4. Commercial Auto: If your Topeka-based business has company-owned vehicles, you must have them covered by an appropriate commercial auto policy. Insurance companies will calculate your rates based on a number of factors, including the number and types of vehicles you are covering, the use of the vehicles, and the risk of collisions and theft in your city. 
  5. Workers’ Compensation
  6. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates vary so significantly depending on your industry.
  7. Based on a $100,000 annual payroll, here is what the workers' comp costs for two leading industries in Topeka, KS look like.
  8. Manufacturing Industry, $3,650/year 
  9. Retail Trade Industry, $1,040/year 
  10. Topeka’s businesses encompass a wide range of industries. The cost to provide manufacturing employees with workers' compensation insurance can vary depending on what your company produces and the injury risk your workers face on the job. Rates to cover retail trade jobs can also vary according to the type of store you operate. Workers at hardware stores have more risks than those who work at candy shops.


  1. Olathe, KS
  2. Business Insurance Common Coverage Options
  3. Property: Not only can severe weather and other disasters cause excessive property loss, so too can property crimes like theft and arson. That is why it is so important that you have the right business insurance policies in place. The rather low property crime rate in Olathe can help keep your costs for theft-loss protection manageable.
  4. Commercial Auto: If your business in Olathe has company-owned vehicles, they must be covered by an appropriate commercial auto policy. Insurance companies will calculate your rates based on a number of factors, including the number and types of vehicles you are covering and the risk of collisions and theft in your city. 
  5. Workers’ Compensation
  6. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates vary so significantly depending on your industry.
  7. Based on a $100,000 annual payroll, here is what the workers' comp costs for two leading industries in Olathe, KS look like.
  8. Retail Trade Industry, $1,040/year
  9. Manufacturing Industry, $3,650/year 
  10. Olathe’s businesses are diverse. The cost to provide retail employees with workers’ compensation insurance can vary according to the type of retail establishment you operate. Rates to cover manufacturing jobs can be significantly higher or lower than the figure above, depending on the types of products your company produces and the injury risk your employees face while making them.


  1. Lawrence, KS
  2. Business Insurance Common Coverage Options
  3. Property: It is important that you sufficiently cover your business assets with the right commercial property insurance. Your rates can be affected by the value of your business property, the risk of severe weather events, and the property crime rate in your city. The crime rate in Lawrence is lower than the national rate, and this can help keep your property coverage costs affordable.
  4. Commercial Auto: If your Lawrence business has company-owned vehicles, they must be covered by an appropriate commercial auto policy. Insurers base rates on a number of factors, including the number and types of vehicles you are covering and the risk of collisions and theft in your city. You must include comprehensive insurance in your policy for coverage against theft and other non-collision-related loss and damage.
  5. Workers’ Compensation
  6. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates vary so significantly depending on your industry.
  7. Based on a $100,000 annual payroll, here is what the workers' comp costs for two leading industries in Lawrence, KS look like.
  8. Educational Services Industry, $310/year 
  9. Retail Trade Industry, $1,040/year 
  10. The city of Lawrence hosts a wide variety of businesses. Rates for covering employees in these two industries can vary according to the type of work the employees do and, in the case of retail trade, the type of store you own. Employees at 24-hour convenience stores typically face higher risks of injury than those who work at clothing boutiques.


  1. Manhattan, KS
  2. Business Insurance Common Coverage Options
  3. Property: While you will want to protect your Manhattan business against theft, you face more risk of high-dollar losses caused by damaging disasters such as fires, floods, explosions, and employee errors. To prevent your company from suffering large financial losses, you will want to be sure that your business assets are suitably covered against these exposures.
  4. Commercial Auto: If you have business-owned vehicles, they need to be covered by commercial auto insurance. Though the risk of car theft in Manhattan is lower than the national average, you may want to ensure that you are covered against theft and other non-collision damage such as that caused by vandalism, falling objects, fires, and floods. You can do this by including comprehensive coverage in your auto policy.
  5. Workers’ Compensation
  6. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates vary so significantly depending on your industry.
  7. Based on a $100,000 annual payroll, here is what the workers' comp costs for two leading industries in Manhattan, KS look like.
  8. Educational Services Industry, $310/year 
  9. Retail Trade Industry, $1,040/year
  10. The city of Manhattan, KS is home to a wide variety of businesses. Rates for covering workers in these two industries can vary according to the type of work your employees do and, in the case of retail trade, the kind of store you own. Employees at hardware stores typically face a higher risk of injury than those who work at greeting card stores.


  1. Salina, KS
  2. Business Insurance Common Coverage Options
  3. Property: If your Salina-based company owns a lot of expensive property such as tools and machinery, inventory, and merchandise, it is important that these assets be sufficiently covered by commercial property insurance. Your rates can be affected by your company's potential for facing a natural or man-made disaster as well as by its risk of being robbed or vandalized. 
  4. Commercial Auto: If your company owns a vehicle or a fleet of vehicles, you will need to include commercial auto insurance in your business's policy package. Your rates will be based on a number of factors, including what types of vehicles you are covering, where and how often you drive them, and the risk of collisions in your city is. Adding comprehensive insurance will also cover you against vehicle theft and other non-collision damage.
  5. Workers’ Compensation
  6. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates vary so significantly depending on your industry.
  7. Based on a $100,000 annual payroll, here is what the workers' comp costs for two leading industries in Salina, KS look like.
  8. Manufacturing Industry, $3,560/year
  9. Construction Industry, $7,500/year
  10. Workers' compensation policies to cover these employees can be expensive, given the high propensity for work-related injuries in these professions. The cost to cover manufacturing employees can vary significantly, according to the type of manufacturing plant you own and the risks associated with production.


  1. Hutchinson, KS
  2. Business Insurance Common Coverage Options
  3. Property: Like severe weather events and other disasters, property crimes such as theft and arson can lead to large business losses if you do not have the right insurance policies in place. The crime rate in Hutchinson can play a role in how insurers calculate your property coverage rates.
  4. Commercial Auto: If your Hutchinson business uses company-owned vehicles, you will want commercial auto insurance. By including the optional comprehensive coverage, you will be able to receive compensation for loss and damage caused by non-collision-related events such as fires, floods, falling objects, vandalism, and theft.
  5. Workers’ Compensation
  6. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates vary so significantly depending on your industry.
  7. Based on a $100,000 annual payroll, here is what the workers' comp costs for two leading industries in Hutchinson, KS look like.
  8. Manufacturing Industry, $3,560/year 
  9. Retail Trade Industry, $1,040/year
  10. The rates for covering manufacturing employees can vary greatly depending on the products your company makes and the injury risks associated with production. Retail trade companies have less expensive workers' compensation rates. However, these costs can also vary according to the type of retail establishment you own because some, like hardware stores, have a higher risk of employee injuries.


  1. Colby, KS 
  2. Business Insurance Common Coverage Options
  3. Property: You will want to ensure that the property owned by your Colby-based business is properly covered against damaging disasters like fires, floods, and severe weather events. You will also want to cover your business against property crimes like theft and arson. The low rate of property crimes in this city can help keep rates affordable.
  4. Commercial Auto: If your business owns a vehicle or a fleet of vehicles, you are required to have a commercial auto insurance policy. Your rates may be influenced by such things as the types of vehicles you are covering and the risk of collisions in and near Colby. By adding the optional comprehensive coverage, you can get coverage against non-collision damage such as that caused by falling objects, floods, vandalism, and theft.
  5. Workers’ Compensation
  6. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates vary so significantly depending on your industry.
  7. Based on a $100,000 annual payroll, here is what the workers' comp costs for two leading industries in Colby, KS look like.
  8. Retail Trade Industry, $1,040/year 
  9. Accommodation and Food Services Industry, $1,490/year 
  10. The cost to cover retail employees with mandatory workers' compensation insurance may vary a bit depending on the type of retail establishment you own. Likewise, the rate to cover workers in the accommodation and food services industry can vary by job, with hotel workers costing a bit more to insure and restaurant workers costing a bit less.


  1. Hays, KS 
  2. Business Insurance Common Coverage Options
  3. Property: In addition to damage caused by severe weather and other disasters, property crimes like theft and arson can lead to expensive business losses. This is why it is so important that your Hays-based company be protected with the right property insurance coverage. 
  4. Commercial Auto: Business-owned vehicles must be covered by a commercial auto insurance policy. Rates can be based on a number of factors, including the number and types of vehicles you are covering and the risk of collisions in your city. Adding optional comprehensive insurance will provide coverage against non-collision damage such as that caused by flood, fire, vandalism and theft.
  5. Workers’ Compensation
  6. Workers’ compensation insurance pays for medical bills and lost wages for workers who are injured on the job. It is required for most Kansas employers. Every workplace has unique risks and hazards for its workers, which is why workers' compensation rates vary so significantly depending on your industry.
  7. Based on a $100,000 annual payroll, here is what the workers' comp costs for two leading industries in Hays, KS look like.
  8. Retail Trade Industry, $1,040/year 
  9. Manufacturing Industry, $3,560/year 
  10. Hays is home to a number of diverse and thriving businesses. The cost to provide retail employees with workers’ compensation insurance can vary according to the type of retail establishment you own. Rates to cover manufacturing jobs can be significantly higher or lower than the figure above, depending on the types of products your company produces and the injury risks your employees face while making them.

Business Insurance Information in a City Near You