Kansas Workers Comp Insurance

With limited exceptions, every employer in Kansas with one or more employee(s) is required by law to have a valid workers' compensation policy at all times. This "no fault" insurance not only provides injured workers with medical care and partial wage replacement, but also protects the policyholders from potentially damaging lawsuits. Although most companies in KS purchase a traditional commercial insurance policy, there are alternative methods of coverage which include licensing as a self insurer, gaining membership in a self insurance group, or obtaining coverage in the Assigned Risk Pool.

KS Workers Comp Insurance Specific Regulations

• Any company that has workers working in Kansas is required to have coverage
• If you work for someone else you will not be covered by their insurance policy unless you are an employee. This requires independent contractors to have their own workman’s compensation insurance
• Kansas offers both a private market and an assigned risk pool for those struggling to secure insurance
• Independent contractors in Kansas with no employees can opt out of coverage until the gross payroll surpasses $20,000
• Sole proprietors and partners are excluded from coverage, but have the option to opt in
• Corporate officers in Kansas are included in coverage, but are given the option to opt out if you own 10% or more of the business
• LLC members are treated like partners and are excluded from coverage, but have the option to opt in