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Workers' compensation insurance rates in Kansas are about 17 percent less than the national average. Kansas rates have remained consitantly lower than the national average since data started being collected.
Kansas is an NCCI state like most other states. This means that NCCI oversees employers' experience modifiers and collects all data for the state including claims, class codes, premiums, and payroll. They analyze this data and make annual recommendations to carriers and to the KS Department of Insurance. Every Insurance company is required to file their rates with the state for approval each year.
Workers' compensation rates will still vary for the same class codes in Kansas because insurance companies can apply policy credits and debits up to 25% to adjust their filed rates. More discounts may also be added to a policy depending on the size of payroll and overall loss experience.
Don't pay too much for your workers' comp coverage in Kansas. Our agents know how to negotiate the lowest rates for your workers' comp coverage. Find out how our knowledegeable agents, expert advice and more choices lead to the best workers' comp rates.
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Pay As You Go plans designed to improve cashflow and bullet-proof your audits.
What influences my workers comp insurance cost?
Insurance companies file their "base manual rates" for approval with each state for all class codes. Rate recommendations are generally made to the state and carriers annually by the
National Council on Compensation Insurance.
Employee claims are reported to NCCI and statistically compared with all other
similar type businesses using the same class code in each state. An
Experience Modification Rate may apply to your business after a few years of coverage.
Insurance company underwriters are permitted to make premium rate adjustments based
on unique factors about your business, safety practices, and management
experience in most states.
Insurance companies may apply policy credits and debits to the base
manual rates. Additional discounts can be applied to premium as the total payroll &
Smart Agents with expertise in workers' compensation insurance utilize this information to negotiate your insurance rates with underwriters. A good narrative about your business helps
insurance companies justify a better price.
Rates for State Class Codes. Select Codes Listed:
The workers' compensation rates listed below for Kansas represent the current insurance rates for 2022. Workers' Compensation rates are set by the Kansas Division of Workers' Compensation and the Kansas Department of Insurance. Insurance companies are allowed to offer policy discounts and premium credits up to 25%. We offer Pay As You Go work comp coverage in Kansas. Not all employers will qualify for the lowest rates available or maximum policy credits.
There is no a State Fund in Kansas, but employers who are unable to find coverage with a private insurance carrier may purchase a policy from the Kansas Workers' Compensation Insurance Plan. KS workers' comp rates vary by industry work comp classification codes and insurance company underwriting standards. Employers' who have an Experience Modification Rate (X-Mod) assigned to their business may have additional credits or debits applied to their insurance rates based on prior premiums and workers' compensation losses.
State Resources for Kansas
Kansas Insurance Department
420 SW 9th StreetTopeka, Kansas 66612-16781-800-432-2484 http://www.ksinsurance.org/
Kansas Division of Workers' Compensation
Department of Labor800 SW Jackson, Suite 600Topeka, KS 66612-1227800-332-0353 http://www.dol.ks.gov/wc/about.html
Kansas is under the Jurisdiction of the National Council for Compensation Insurance (NCCI) and contracts with Travelers as the state fund carrier.
Our agency helps employers find guaranteed state fund workers' comp in KS. If we can't find more affordable coverage with a private insurance company, we can help you buy a state fund policy.
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