Kansas Commercial Auto Insurance

Commercial vehicle owners in Kansas face a number of risks if they do not have the proper type of insurance. These risks include:

• Physical damage to the vehicle itself caused by an accident or vandalism.
• Liability for damages incurred from hauling hazardous materials, such as gasoline spills or accidents involving radioactive material.
• Damage from theft and other criminal acts against the vehicle and its contents after it is parked offsite overnight or during long trips away from home base.
• Loss of personal possessions, goods, merchandise, cargo, tools, or equipment stored in/on the vehicle.
• Incurring liability for damage caused by an uninsured or underinsured driver in a multi-vehicle accident.
• Damage caused by potholes and other road hazards that could not be avoided while driving the commercial vehicle.
• Loss of revenue due to delays in deliveries caused by mechanical breakdowns or other covered events.
• Damage from weather-related incidents such as hail, floods, snow storms, and windstorms could not be avoided while operating the vehicle.
• Loss of use due to mechanical breakdowns caused by faulty parts or improper maintenance.

To protect your business from these financial losses, consider purchasing a commercial vehicle insurance policy. Commercial vehicle insurance can help cover the cost of repairs or replacement in the event of an accident, as well as provide liability coverage for bodily injury and property damage caused by your employees while operating company vehicles.

The cost of commercial vehicle insurance varies significantly depending on several factors, which include:

• Number of vehicles - The more vehicles a business owns, the higher the cost of commercial vehicle insurance.
• Type of vehicle - A business that operates large trucks or other specialty vehicles may pay a higher premium than one with passenger cars.
• Driving record - Commercial drivers with a clean driving record often receive special discounts on their policy premiums.
• Coverage limits - Increasing coverage limits will generally result in higher premium costs.
• Claims history – Businesses that have made multiple claims in the past are likely to see an increase in their premiums due to increased risk. 
• Level of risk involved - Businesses that operate in higher-risk industries may pay more for their commercial vehicle insurance coverage.
• Policy deductible - Businesses can choose to set a deductible amount for their policy, reducing the cost of premiums. A higher deductible means lower premiums, but if an accident does occur, the business must pay that amount before insurance coverage kicks in.

The average cost of commercial auto insurance in Kansas is $147 per month, but this number can vary depending on the abovementioned factors. Businesses should work with a reputable insurance company such as WINN Insurance Group to determine the best coverage options and cost for their business. This will ensure they are adequately covered in an accident or other incident that affects their vehicles.

At WINN Insurance Group, we have been serving businesses in Kansas for over 75 years. Our experienced team of agents can help your business find the most comprehensive and cost-effective commercial auto insurance coverage that meets your needs. 

We understand the importance of protecting your vehicles from financial losses due to accidents and other incidents, and we are dedicated to providing personalized service to our clients.

Our knowledgeable staff has decades of experience in the industry and is familiar with all the latest regulations governing commercial vehicle insurance in Kansas. We will work with you to assess your risks accurately so you can select a policy that best suits your needs. Plus, our agents are always available to answer any questions or concerns about commercial auto insurance coverage.



Contact us today to learn more about how we can help you get the most comprehensive commercial auto insurance coverage for your business.

In Kansas, commercial auto insurance is necessary for any business that owns or operates a motor vehicle—including the following types of vehicles:

• Certain large vehicles, like commercial trucks, even if they are driven privately
• Taxis and limousines
• Rental cars
• Delivery Vehicles
• Emergency vehicles
• Farm vehicles, such as tractors and combines
• Contractor’s vehicles, like dump trucks or cement mixers
• Commercial vans
• Construction equipment, such as backhoes or forklifts
• Motorcycles used for business purposes.

If your business owns any of these types of vehicles, you must have commercial auto insurance in Kansas to comply with state laws and protect your company from costly losses due to an accident.

Commercial auto insurance in Kansas provides coverage for damage to your business vehicles and protection from liability claims resulting from accidents. Depending on the policy you select, your commercial auto insurance may provide coverage for the following:

a) Liability Coverage - Protects you from financial loss if someone makes a claim against you resulting from bodily injury or property damage caused by one of your business vehicles.

b) Property Damage Coverage – Pays for damage to other people’s property caused by an accident involving one of your business vehicles.

c) Bodily Injury Liability Coverage – Covers medical expenses and losses incurred by others when injured in an accident or suffer any loss due to negligence on your part.

d) Uninsured Motorist Liability Coverage – This covers expenses related to injuries sustained by someone else if they were involved in an accident with one of your business vehicles but the at-fault driver did not carry insurance.

e) Comprehensive Coverage – Pays for damage to your business vehicle caused by things other than an accident, such as fire, theft, vandalism, or natural disasters.

f) Collision Coverage – This pays for damage to your business vehicles resulting from an accident with another vehicle or object.

g) Rental Reimbursement Coverage – This covers the cost of renting a replacement vehicle while yours is being repaired due to an accident.

h) Loading and Unloading Liability Coverage – This pays for any property damage or injury caused while loading or unloading your business vehicle. 

i) Towing and Labor Costs Coverage - Covers the costs of towing and labor related to repairing your vehicle due to an accident. 

j) Medical Payments Coverage - This covers medical expenses for those injured in an accident involving one of your business vehicles.

Selecting the right commercial auto insurance policy is critical to ensuring that your business is adequately protected in the event of an accident. A qualified agent from WINN Insurance Group can assist in selecting the most appropriate coverage for your needs.

Kansas also has some unique exclusions that must be considered when selecting an insurance policy. These include:

• Intentional Damage – A commercial auto insurance policy will not cover any damage or injury resulting from intentional acts.
• War and Terrorist Acts – A commercial auto insurance policy does not cover any damage or injury resulting from war or terrorist acts.
• Pollution - Any damage or injury caused by environmental pollution will not be covered under a standard commercial auto policy.
  

The law in Kansas requires that all drivers carry a minimum of liability insurance on their vehicles. It requires personal injury protection, Uninsured motorist insurance, and auto liability coverage. The limits for these policies are:

Personal Injury Protection

Kansas law requires all commercial vehicle owners to have personal injury protection coverage. The minimum liability limits required are:

• $4,500 for medical expenses per person
• $900 per month for one year of disability
• $2,000 for funeral expenses
• $4,500 for injury rehabilitation
• $25 per day for homecare services

Additionally, this policy includes provisions for providing survivor benefits to the family members of the injured individual. The surviving family members will receive a monthly payment of $900 to compensate for the loss of income or disability suffered by the injured party. This benefit will be provided for a duration of up to one year. Moreover, they will also receive a daily allowance of $25 to cover in-home services for up to one year.

Uninsured Motorist Coverage

Kansas law requires that all drivers carry uninsured motorist coverage on their vehicles. This type of insurance pays for medical expenses if you are hit by an uninsured driver. The minimum liability limits required are:

• $25,000 per person
• $50,000 per accident

Auto Liability Coverage

Kansas requires that all drivers carry auto liability coverage on their vehicles. This policy pays for damages or injuries caused by your vehicle due to an accident. The minimum limits required are:

• $25,000 in bodily injury liability per person
• $50,000 in bodily injury liability per accident
• $25,000 in property damage liability per accident
  

In order to determine your commercial auto coverage needs in Kansas, it is important to consider the following:

• The size and type of vehicle you drive
• Whether or not you are responsible for transporting people or goods
• The value of goods being transported
• Your business’s financial resources
• Your liability exposure if an accident were to occur
• The amount of risk associated with driving a commercial vehicle in Kansas.

Once you have determined the coverage that best fits your needs, you should contact WINN Insurance Group to secure a policy that will provide you with the financial protection you need.

Having Questions? Contact Us Today.

WINN Insurance Group is here to answer any questions you have regarding commercial auto coverage in Kansas. We are committed to providing you with the right amount of protection and support to ensure that your business is adequately protected against potential risks. 



Contact us today for more information or a free quote. We look forward to helping you get the right coverage for your business!