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.
What Does Workers’ Compensation Cover In Kansas?
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
What Doesn’t Workers’ Compensation Cover In Kansas?
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.
Common Workers' Compensation Claims in Kansas
The Top 5 industries with the most fatal occupational injuries, in order:
- Construction
- Transportation and warehousing
- Manufacturing
- Crop farming
- Landscaping
The Top 7 most reported fatal occupational injuries, in order:
- Violence and other injuries by persons or animals
- Transportation incidents
- Fire or explosion
- Falls, slips, trips
- Exposure to harmful substances or environments
- Contact with objects and equipment
- 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.
Who Are the Best Workers' Compensation Companies in Kansas?
| Top Workers' Compensation Insurance Companies | Star Rating |
| EMC |  |
| Nationwide | |
| Encova | |
| Builders & Tradesmen's Insurance |  |
| Liberty Mutual | |
How Much Does Workers' Compensation Insurance Cost In Kansas?
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:
| Industry | Low Cost | High 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 |
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
FAQs: Workers' Compensation Insurance in Kansas
What is workers' compensation insurance?
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.
Is workers' compensation required in Kansas?
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.
How can you acquire a workers' compensation certificate in Kansas?
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.
Why shop workers' compensation insurance with a Kansas independent 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.
Is workers' compensation taxable in Kansas?
Insurance benefits are not typically counted as income in most states. In Kansas, workers' compensation payouts are not considered taxable income for the employee.