National Average Cost of Workers' Compensation Insurance

Healthcare $1,825 Per $100,000 payroll

Retail Trade $2,850 Per $100,000 payroll

Construction $7,430 Per $100,000 payroll

Workers' Compensation Insurance Laws in Kansas

In Kansas, workers' compensation is a requirement for all employers. Coverage is mandated at the state minimum limits or greater for all business owners with one or more employees. If you don't carry workers' compensation coverage your business could face severe fines or worse. 

Common Workers' Compensation Claims in Kansas

The Top 5 industries with the most fatal occupational injuries, in order:

  1. Construction
  2. Transportation and warehousing
  3. Manufacturing
  4. Crop farming
  5. Landscaping

The Top 7 most reported fatal occupational injuries, in order:

  1. Violence and other injuries by persons or animals
  2. Transportation incidents
  3. Fire or explosion
  4. Falls, slips, trips
  5. Exposure to harmful substances or environments
  6. Contact with objects and equipment
  7. Overexertion and bodily reaction

In one recent year, 55 Kansas workers' compensation claims turn fatal. Most workers' compensation policies pay for funeral expenses if the death of an employee occurs.

FAQ: Workers' Compensation Insurance in Kansas

Workers' compensation insurance helps pay for the medical expenses, lost wages, and even funeral costs of an employee that sustains injury or illness due to doing their job. Each state has its own laws surrounding workers' compensation coverage, and it should be discussed with your local agent. 

The premiums for your business policies will vary from entity to entity. In Kansas, your workers' compensation insurance is rated within a range per job type and industry. Some examples of Kansas workers' compensation insurance rates are as follows, per $100 of employer payroll:

IndustryLow CostHigh Cost
Fence Installation & Repair$3.39$5.73
Trucking-Short & Long Haul$3.77$6.38
Towing Company$3.62$6.12
Package & Parcel Delivery$4.77$8.07
Non-Emergency Medical Transport-Taxi-Limo-Airport Shuttle$2.27$3.84

Every state has its own rules and regulations concerning commercial coverage. In Kansas, workers' compensation insurance is required when employing one or more staff members. Coverage must be obtained at the minimum limits of liability or greater. 

Workers' compensation in Kansas will cover various items under your policy. It pays for the medical expenses of an employee who gets injured or becomes ill  due to their job duties. Some of these include the following: 

  • Traumatic injuries
  • Repetitive injuries
  • Some mental or cognitive injuries
  • Occupational illnesses/diseases

Exclusions on your workers' compensation policy could include the following in Kansas:

  • Intentional injuries or illnesses.
  • Injuries or illnesses sustained outside of work.
  • Injuries or illnesses sustained while committing a crime.
  • Injuries or illnesses sustained under the influence of drugs or alcohol.

Sometimes clients, municipalities, and other entities may require proof of insurance before they will work with your business. This is known as a certificate of insurance and it provides your workers' compensation and other business policy limits as well as expiration dates. A certificate can be obtained by your licensed insurance agent.

In Kansas, you'll have many options for finding a workers' compensation policy. However, one of the most efficient and competitive ways is to allow a local independent insurance agent to do the shopping for you for free. They work with dozens of top-rated carriers and will present the best option for your company.

Insurance benefits are not typically counted as income in most states. In Kansas, workers' compensation payouts are not considered taxable income for the employee. 

Find Other Beneficial Coverages to Bundle with Workers' Comp