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Kansas Business Insurance

Protecting Kansas Businesses with Confidence

At Selective, we’re proud to offer our commercial insurance products to the Sunflower State.

Get Kansas business insurance tailored to your needs from Selective.

Kansas businesses can now access tailored coverage backed by local expertise and national strength. Whether you're a small business owner or manage a large enterprise, our insurance solutions are designed to help you protect what matters and prepare for what’s next.

Find a local Kansas insurance agent today to explore your coverage options and to get a quote.

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BUSINESSES WE INSURE IN KANSAS

At Selective, we offer commercial insurance to over 400 types of businesses. Alongside our independent agency partners, we are proud to serve Kansas businesses of almost any size, including but not limited to:

Contractors: General contractors (residential and commercial), electrical, building services, land grading, water & sewer and/or street & road, siding and sheet metal, painting and paper hanging, lawn care and sprinkler, and builders risk.
Manufacturers and Wholesalers: Electronic and electrical equipment, fabricated metals, industrial machinery, technology, furniture and fixtures.
Professional Offices: Law firms, advertising agencies, medical offices, real estate agencies, architects, and accounting firms.
Mercantile Services: Retail food & fine dining, retail goods, and funeral homes
Auto Services, including Repair Shops and Body Shops
Consumer Assistance Programs: Social services, municipalities, and volunteer fire departments

Don't see your business type or want more information? Find a local independent agent in Kansas for answers and a business insurance quote.

Insurance Coverages for Kansas Business Owners

While no one knows your business like you do, Selective and your independent agent can help you mitigate your unique risks with a personalized commercial insurance solution built around essential coverages:

Business Owners Policy

Business Owners Policy (BOP)

A Business Owners Policy bundles property, liability, and business income insurance into a single, budget-friendly package. This convenient insurance solution from Selective offers broad coverage that can help protect your business against losses related to property damage, lawsuits, or other incidents.

Business Interruption Insurance

Business interruption insurance can help protect your company against income loss in the event of a covered incident that forces you to suspend business operations. This type of insurance can also assist with rent or lease payments, relocation costs, employee wages, taxes, and loan payments until your business can reopen.

Business interruption insurance does not typically cover damages or losses from flooding, earthquakes, or mudslides, although you may be able to purchase additional coverage for these risks.

Commercial Auto Insurance

Commercial Auto Insurance can help protect your company vehicles and drivers. It may also help pay for medical bills if you, your employees, or passengers are injured in an accident in which your company is at fault.

General Liability Insurance

General Liability Insurance helps protect your company from certain liability claims, such as allegations of third-party property damage, bodily injury, false arrest, and slander or libel. It may also help pay for legal fees related to lawsuits against your company and medical costs if someone sustains a bodily injury on your business property.

Property Insurance

Commercial property insurance can help to protect your company’s physical assets, such as business equipment, inventory, and furniture. Property insurance can help with repair or replacement costs and keep your business going if a fire, vandalism, or other covered risk causes structural damage to your insured building or its contents.

Workers Compensation

Workers Compensation can help pay for medical treatment, rehabilitation, lost wages, and disability benefits if an employee has a work-related injury or illness. It can also help protect you as a business owner by helping pay for legal costs if an injured worker sues your business.

Why Choose Selective for Your Kansas Business

Local Independent Agents

Our Kansas-based independent insurance agents understand the unique challenges and opportunities facing businesses in your community. They’re here to help you find the right coverage and support your growth.

Customized Coverage Options

From property and liability to workers’ compensation and commercial auto, we offer a wide range of insurance products to meet the needs of Kansas businesses.

Responsive Claims Service

When the unexpected happens, our claims team is ready so you can focus on getting back to business.

Risk Management Expertise

We help you identify and manage risks with tools and resources tailored to your industry.

Find an Independent Agent in Kansas

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FREQUENTLY ASKED QUESTIONS ABOUT KANSAS BUSINESS INSURANCE

How Much Does Commercial Insurance Cost in Kansas?

Commercial insurance costs in Kansas vary from business to business. Factors that can affect your cost include (but are not limited to), location, payroll, number of employees, and the types of vehicles you own. Your local independent insurance agent can help you assess your risks and customize a commercial insurance policy that adequately protects your needs.

Is Workers Compensation Insurance Mandatory for Employers in Kansas?

Kansas businesses must carry workers compensation insurance if they employ one or more full-time, part-time, seasonal, or occasional workers. Without workers compensation insurance, you could be held liable for all benefits provided under Kansas law if an employee is injured or becomes ill on your premises. A workers compensation policy may also provide injured workers with a portion of lost wages if they take time off to recover.