8:00am - 5:00pm Mon-Fri
Will Reply in 15min*
Index
Contact Us
Phone
316-265-3181
Locations
5838 W. 21st Street
Wichita, KS 67205
1106 W. 31st Street South
Wichita, KS 67217
1701 Landon Street
Hutchinson, KS 67502
Property owners in Kansas face several risks associated with owning and operating their businesses. These include:
To protect against these risks, Kansas requires businesses to purchase Commercial Property insurance coverage. This type of insurance helps cover physical damage caused by accidents and natural disasters and lost income due to business interruptions. Commercial property policies often offer
liability protection for visitors injured on the insured's property.
The average cost of commercial property insurance in Kansas is $756 per year, around $63 per month. However, the actual cost of coverage can vary significantly from business to business. Factors that affect the cost of commercial property insurance include:
To get exact quotes for Commercial Property Insurance in Kansas, business owners should speak with an experienced WINN Insurance Group insurance agent to discuss their needs and risk profile. WINN Insurance Group agents can help find the best coverage at an affordable price tailored to each customer’s unique requirements.
At WINN Insurance Group, we understand that every business has different needs when it comes to property insurance. That’s why we take the time to get to know our customers and their individual risks and requirements. We create customized plans that provide optimal coverage at an affordable rate.
Our experienced team is here to help you find the right Commercial Property Insurance plan for your business in Kansas. Our agents will review your policy annually, ensuring you always have the best coverage at competitive rates.
We’re committed to delivering excellent customer service while helping you protect your most valuable assets—without breaking the bank. Contact us today to learn more about our Commercial Property Insurance plans and get a quote.
Regardless of the type of business you operate in Kansas, it’s important to have the right Commercial Property Insurance coverage. A basic policy will usually include several coverages, such as:
Property structure coverage is essential for businesses that own the physical building they operate from. This coverage can help reimburse you for structural damage to your property caused by hazards like fire, wind, hail, lightning, and more. It can also cover any outbuildings on your property, such as garages or sheds.
Business personal property coverage is for any physical items owned by the business that are not part of the structure. This includes office furniture, computers, and equipment. If these items are damaged or destroyed due to a covered peril, then this policy can help you cover the cost of repairs or replacements.
If your business is forced to close due to a covered peril, then this coverage can help you cover the costs of lost income. This coverage can be used to reimburse you for wages that employees would have earned during the shutdown and any rent or mortgage payments that need to be made.
In addition to the standard coverages included in a basic Commercial Property Insurance policy, you should consider several additional coverages for your business in Kansas. These include:
Equipment breakdown coverage is designed to provide protection against mechanical or electrical breakdowns that can occur unexpectedly. This coverage can help pay for any repairs or replacements necessary to get your business back up and running.
It can also provide coverage for lost income costs if you are forced to close while repairs are being made.
Business interruption insurance helps protect against losses if your business cannot operate after a covered event. This policy can provide coverage for lost profits, payroll expenses, rent/mortgage payments, and other fixed operating costs that you may incur as a result of the disruption.
Debris removal insurance helps cover the cost of removing debris created by a covered event, such as fallen trees or broken glass. This coverage can help pay for the cost of hiring professionals to clean up and remove any debris left behind, saving you time and money in the process.
Debris removal insurance can also provide coverage for any damage that may be caused to your property during the removal process.
Ordinance or law coverage helps protect businesses from losses resulting from local, state, and federal laws or ordinances. This policy can cover the additional costs businesses incur when they must comply with new building codes, zoning requirements, or other legal mandates enacted after a covered event.
It can also offer financial assistance if any building changes are necessary to comply with the new laws or ordinances. This coverage can help businesses remain compliant and protect their bottom line.
Property owners in Kansas should consider the following when determining their commercial property coverage needs:
Having the right commercial property insurance in place can help protect your business from financial losses resulting from unexpected events.
In Kansas, you can take advantage of several discounts on your commercial property insurance premiums. These include:
At WINN Insurance Group, we understand the importance of having the right coverage for your business. Our experienced team is here to help you find the best solutions and discounts that fit your needs. We can answer any questions about commercial property insurance in Kansas and assist you in assessing your risks, comparing quotes, and finding the right policy for you.
Contact us today to learn more about how we can help secure your future.
5838 W. 21st Street
Wichita, KS 67205
1106 W. 31st Street South
Wichita, KS 67217
1701 Landon Street
Hutchinson, KS 67502