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Purchasing Workers Comp Insurance in Kansas

Kansas State Coverage Requirements

    All employers in the state of Kansas are required to purchase workers compensation insurance.

    Sole-Proprietors, Partners and LLC Members are excluded from coverage, but may elect to be covered.

    Corporate Officers are automatically included in coverage, but they may elect to be excluded.

    Corporate officers with less than a 10% ownership position in their company are treated as regular employees, and must be included for coverage. Corporate officers with a 10% or greater ownership position in the company can elect to exclude themselves from coverage.

    Family members who are not true owners of the company or who do not meet the 10% ownership test for corporations must be included in the coverage. They cannot elect to be excluded.

2020 Payroll Limits & Owner Exclusion Requirments

    Sole-Proprietors, Partners and LLC members who include themselves on workers compensation coverage must use a payroll amount of $44,700 for rating purposes.

    Corporate Officers who are included in coverage must utilize a minimum payroll of $850 per week ($44,200 Annual) and a maximum weekly payroll of $3,400 ($176,800 Annual )for the purpose of rating workers comp premium.

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Kansas can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Kansas.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Kansas employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special terms with many of our insurance partners to offer more flexible payment options like 12 equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Find the right coverage for you.

At Workers Compensation we help Kansas business owner's find the best deal on their workers comp coverage. Whether you are looking for Pay as You Go Coverage or an installment plan, we can help you find great rates

Quote Kansas Workers Compensation With Us

Kansas Rates

Rates on Workers' Compensation Insurance in Kansas are 17 percent cheaper than the national average. Even though employers in Kansas enjoy great rates, many businesses are not taking advantage of all the cost savings options. At Workers Compensation we offer flexible payment plans and many other programs like Pay As You Go coverage.

Need Help With Kansas Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our KS Workers Compensation Specialists help you determine your correct workers compensation class codes before you buy a policy. We'll help make sure your business is properly classified and you find the very best coverage at the lowest rates available.

Faster Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering work comp in Kansas. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in Kansas can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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