How does workers' comp work in Kansas?

Nearly all businesses in Kansas are legally required to carry Workers' Compensation Insurance. This insurance coverage protects your business from the legal ramification of injuries that occur while your employees are working. It provides medical costs and lost wages for your employees. Even though many business owners know this and they know work comp coverage is required, they do not take full advantage of all the programs available to their business.

Insurance rates in Kansas are lower than the national average. Because of this more insurance carriers are entering the Kansas market each year. This competition should help keep rates low. We currently carry more than 20 insurance providers. We have a good deal of success quoting restaurants, trucking companies, recycling, home health and more.

Please let us quote your business. You can start a quote online in just minutes or call a specialist at 888-611-7467.

Workers' Comp Rules & Information for Kansas

State Insurance Directives Regarding Covid-19

No current state laws or rule changes in Kansas.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

Kansas Division of Workers' Compensation

Department of Labor
800 SW Jackson, Suite 600
Topeka, KS 66612-1227

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

How does workers comp help my business?

Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

Kansas Assigned Risk Workers Compensation

The Kansas Insurance Department administers what is referred to as the Workers’ Compensation Fund for the state of Kansas through its Workers’ Compensation Program. This might also be referred to as the state fund or the assigned risk. Kansas has a state fund that competes with private providers in an attempt to increase competition and force lower rates for business owners. This is one reason why Kansas has workers compensation rates 17 percent lower than the national average.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
Kansas Work Comp Information

Kansas is an NCCI State.

NCCI stands for the National Council on Compensation Insurance. NCCI gathers data, analyzes industry trends, and prepares objective insurance rate recommendations. NCCI is the nation’s most experienced and widely used provider of workers compensation information, tools, and services.

Let Workers Compensation help your business navigate workers comp insurance in Kansas.

What Does Workers' Compensation Insurance Cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

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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