Kansas Workers Compensation Insurance

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5838 W. 21st Street
Wichita, KS 67205

1106 W. 31st Street South
Wichita, KS 67217

1701 Landon Street
Hutchinson, KS 67502

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Workers in Kansas face a range of unique risks that can leave businesses open to potential legal action. The most common risks include:

  • Dangerous work conditions or environments
  • Injuries due to repetitive motion or exposure to harmful materials
  • On-the-job accidents resulting from inadequate safety measures
  • Occupational diseases caused by workplace hazards
  • Discrimination or harassment allegations
  • Unpaid wages, overtime, and other compensation issues
  • Failure to adhere to health and safety regulations
  • Violation of contract terms regarding workers’ rights
  • Wrongful termination due to disability
  • Violations of state and federal labor laws
  • Negligence in the hiring, supervision, or training of employees
  • Failure to comply with unemployment insurance regulations.
  • Businesses in Kansas should take the necessary precautions to protect themselves from these risks by purchasing appropriate workers’ compensation insurance coverage. This policy can protect against claims related to employee injuries, illnesses, and other issues arising out of their employment that could result in expensive legal costs.

Workers Compensation Insurance Costs in Kansas

Workers’ compensation insurance in Kansas costs around $47 per month. The premium of your workers’ comp insurance differs significantly based on a number of factors, including:

  • Payroll – Payroll is key in determining workers’ compensation insurance costs. The higher your business payroll, the more you will have to pay for workers’ comp insurance. This is because employers are responsible for covering any medical expenses or lost wages that an employee may incur if they suffer an injury while on the job.
  • Number of Employees – The number of employees you have is also a factor in determining workers’ compensation insurance costs. The more employees your business has, the higher the cost of insuring them will be. This is because insurers need to calculate premiums based on the risk associated with having more employees and thus need to charge higher rates for larger businesses.
  • Location – The location of your business also affects the cost of workers’ compensation insurance. Insurance companies consider the risk associated with different areas when determining premiums, and businesses located in higher-risk jurisdictions may be charged more for their policies than those in lower-risk locations.
  • Industry and risk factors – Your business’s industry and associated risk factors can also affect the cost of workers’ compensation insurance. Riskier industries, such as construction or manufacturing, usually have higher premiums than those with fewer safety hazards.
  • Coverage limits – The coverage limits you choose for your workers’ compensation insurance policy will also affect the cost of premiums. Higher coverage limits mean higher costs, as insurers need to protect themselves from the potential of paying out large sums in case of an accident.
  • Deductible – A higher insurance deductible means lower premiums, as insurers have less risk associated with covering the costs in case of an accident. However, a high deductible may leave you at risk for large out-of-pocket expenses if an incident occurs.

To get accurate and up-to-date information on the specific costs of Workers’ Compensation Insurance in Kansas, contact insurance providers in the state, such as WINN Insurance Group, for more information. With WINN Insurance Group, you can access competitive rates and personalized customer service that will help you make the best decision when it comes to protecting your business from costly legal claims.

We’re Your Trusted Workers Compensation Insurance Provider in Kansas

WINN Insurance Group is a trusted provider of workers’ compensation insurance in Kansas. We understand the complexities of businesses and the importance of protecting your workforce with quality insurance coverage.

We make getting accurate information on Workers’ Compensation Insurance in Kansas easy and have a wide selection of plans available from reputable providers. We also provide personalized customer service, so you can get the right coverage at a competitive rate.

At WINN Insurance Group, we value our customers and are committed to providing them with the best protection for their business. We strive to deliver quality products and services that exceed expectations and help protect businesses from costly claims or lawsuits related to workplace injuries.

Contact us today to learn more about Workers’ Compensation Insurance in Kansas and see how we can help you find the right plan for your business.

Who Should Purchase Workers Compensation Insurance in Kansas?

The Kansas workers’ comp statute mandates that all private and power with a payroll of over $20 000 provide insurance for both part-time and full-time workers. They include:

  • Any employer who regularly employs four or more employees in the state of Kansas
  • Any employer with one or more part-time employees
  • Any employer who does business in the state and is engaged to provide services outside of Kansas
  • Any employer with out-of-state workers performing work in Kansas
  • Any employer with an independent contractor in the state
  • Any business that is a sole proprietorship or partnership which has employees
  • Any agricultural business with one or more employees
  • Any business with a casual employee who works on an irregular basis and whose wages are paid by the day, week, month, or other period of time
  • Any employer of domestic workers who receive compensation for services performed within the state
  • Any employer of family members (spouse, parent, child) receiving wages from employment in Kansas
  • Any public entity or subdivision thereof that employs individuals
  • Any corporation organized under the laws of Kansas

Employers are required to provide workers’ compensation benefits regardless of their size or number of employees. This is especially important for businesses that may hire independent contractors as they are often excluded from basic employee protections such as Workers’ Compensation insurance.

Who Is Exempted from Providing Workers’ Compensation Insurance in Kansas

Employers in the following situations are exempted from providing workers’ compensation insurance:

  • Employers with a payroll of $20,000 or less are exempt from providing workers’ compensation insurance.
  • Employers with certain agricultural workers are also exempt from the requirement.
  • Realtors who work as independent contractors are not required to have workers’ compensation coverage.
  • Firefighters who belong to a firefighters’ relief association that has waived coverage under the state’s workers’ compensation law are exempt from providing the insurance.
  • Certain owner-operator vehicle drivers, such as freight truckers, who have their own occupational accident insurance are also exempt from the workers’ compensation insurance requirement.

Kansas Workers Compensation Insurance Coverage

Workers’ Compensation Insurance provides coverage for employees who suffer from work-related injuries or illnesses, ensuring they receive necessary medical treatment and wage replacement while protecting employers from potential lawsuits arising from workplace accidents. This type of insurance provides the following coverages:

  • Medical Coverage: It ensures that employees receive prompt and appropriate medical treatment for injuries or illnesses resulting from their work duties.
  • Wage Replacement: If an employee cannot work due to a work-related injury or illness, Workers’ Compensation provides wage replacement benefits to help them meet their financial obligations during recovery.
  • Disability Benefits: Workers’ Compensation may provide temporary or permanent disability benefits to employees who suffer long-term or permanent impairments due to workplace incidents.
  • Death Benefits: In tragic cases where a work-related accident results in the death of an employee, Workers’ Compensation offers death benefits to the employee’s dependents to assist with financial hardship.
  • Legal Protections: By providing Workers’ Compensation coverage, employers generally gain immunity from most employee lawsuits related to work-related injuries or illnesses, creating a no-fault system that benefits both parties.

Determining Your Workers Compensation Coverage Needs in Kansas

Determining your Workers’ Compensation coverage needs in Kansas is essential to ensure your business is compliant with state laws and adequately protected in the event of work-related injuries or illnesses. Here are the key steps to help you assess your Workers’ Compensation coverage requirements:

  • Understand Kansas Workers’ Compensation Laws: Familiarize yourself with the Workers’ Compensation laws and regulations in Kansas. Know the coverage requirements, exemptions, and any specific provisions that may apply to your industry or business type.
  • Assess Employee Count: Determine the number of employees you have. In Kansas, most employers are required to have Workers’ Compensation coverage, regardless of the number of employees, with some limited exemptions. Include all full-time, part-time, and seasonal workers in your count.
  • Evaluate Industry Risks: Consider the nature of your business and industry-specific risks. Certain industries, such as construction or manufacturing, may have higher rates of workplace accidents, which could influence your coverage needs.
  • Review Employee Job Duties: Understand the job duties of your employees and assess potential risks associated with their work. Employees engaged in hazardous tasks might require additional coverage.
  • Assess Business Growth: Consider your business’s growth projections. As your workforce expands, your Workers’ Compensation needs may also increase.
  • Identify Exemptions: Determine if any exemptions apply to your business. Some employers, such as agricultural businesses or sole proprietors, may have different requirements for coverage.
  • Consult with an Insurance Professional: Seek advice from an insurance professional or broker familiar with Workers’ Compensation Insurance in Kansas. They can help you understand your specific coverage needs and guide you.
  • Compare Insurance Policies: Obtain quotes from multiple insurance providers to compare coverage options and costs. Ensure the policies align with your business needs and provide adequate protection.
  • Review Policy Limits and Exclusions: Carefully review the coverage limits and exclusions of each policy. Ensure that the policy adequately covers potential workplace risks and meets your business’s requirements.

By following these steps, you can determine your Workers’ Compensation coverage needs in Kansas and ensure your business is adequately protected and compliant with state regulations.

Kansas Workers Compensation Insurance Discounts

Kansas Workers’ Compensation Insurance policies may also be eligible for certain discounts, including:

  • Bundling insurance discounts: Businesses may be eligible for a discount when they bundle Workers’ Compensation Insurance with other business insurance policies such as auto insurance, crime insurance, and general liability insurance.
  • Occupational safety discounts: Companies that take the initiative to improve workplace safety and reduce potential risks may qualify for a discounted premium.
  • Experience rating discounts: Businesses may receive further discounts if the company has an established history of fewer accidents, losses, or claims.
  • Drug-free workplace discounts: Employers who have implemented drug-free policies and testing for their employees may be eligible for additional savings on their Workers’ Compensation premiums.
  • Group discounts: Business owners who are part of trade associations or groups may be able to access reduced premiums through these organizations.

Employers should always contact their insurance carriers to learn more about potential savings.

Having Questions? Contact Us Today.

If you have any questions about Workers’ Compensation Insurance in Kansas, our team of experienced professionals at WINN Insurance Group is here to help. We can provide personalized advice and guidance on how to save money on your Workers’ Compensation policy while still providing the necessary coverage for employees.

Contact us today for more information!

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