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Kansas Business Insurance Policies

At biBERK, our Kansas business insurance policies are trustworthy and dependable. By offering flexible coverage that suits your business needs, we ensure that you’re protected from whatever the future may hold for your company.

Kansas Workers' Compensation Insurance

When it comes to Kansas workers’ compensation insurance, we provide tailored packages to make workers’ compensation in Kansas less of a worry. Having it means you’re covered if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the incident.

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Kansas General Liability Insurance

As far as Kansas business insurance options go, general liability coverage (also known as commercial liability insurance) can help cover damages and legal costs from claims involving customers and other people you don’t employ. This includes protecting your business from claims for damage to the property of others caused by an employee of yours. Medical costs, slander, and even copyright infringement are covered under these policies. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Kansas Business Owners Policy (BOP)

A business owners policy (BOP), or property & liability insurance policy as it’s sometimes known, combines general liability coverage with insurance for your business property. You can be covered for spaces you lease and any other property needed to run your business. It even takes temporary relocation costs and lost income coverage into account if your building is damaged, for the ultimate protection for your business.

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Kansas Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). When it comes to business insurance in Kansas City and beyond, professional liability insurance is vital if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Kansas Cyber Insurance

This type of business insurance in Kansas can be purchased as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs incurred due to data breaches, online fraud, and system hacks.

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Kansas Umbrella Insurance

When buying business insurance in Kansas, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBERK liability policy, subject to its own limit. It’s possible that without this extra protection your business will incur the costs of any claims that go over your policy limit. 

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We Cover all Kinds of Professionals and
Businesses in Kansas,

  • Advertising agencies
  • Attorneys and lawyers
  • Automobile repair garages
  • Bookkeepers and accountants
  • Building contractors
  • Building management firms
  • Business consultants
  • Carpenters
  • Carpet installers
  • Cemetery operations
  • Commercial building service providers
  • Computer programmers
  • Concrete construction companies
  • Custodians and janitors
  • Day care centers
  • Decorating and paperhanging companies
  • Electrical contractors
  • Glaziers
  • Grocery stores
  • Gyms and fitness centers
  • Heating and cooling companies
  • Home health care providers
  • House cleaning services
  • HVAC installation and repair
  • Insurance companies
  • Iron and steel dealers
  • Lawn care and gardening services
  • Marketing firms
  • Messengers and couriers
  • Painting companies
  • Park operations
  • Photography businesses
  • Physicians and osteopaths
  • Plumbers
  • PR agencies
  • Real estate agents and operators
  • Recreations and amusement companies
  • Restaurants
  • Salons and barber shops
  • Securities and commodities businesses
  • Small appliance repair
  • Stores
  • Tree pruning and trimming companies
  • Trucking companies
  • Wallboard installation companies
  • Welding and metal cutting companies

Why Choose biBERK for Your Business Insurance in Kansas?

We’re the experts when it comes to small business insurance in Kansas City and throughout the state.

Save Time

Get a fast and easy quote that’s custom-made for your Kansas business insurance needs, either online or with one of our licensed insurance experts.

Save Money

We insure your small business directly. That means no middleman or insurance broker. We pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

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Why is biBERK Better for Kansas Business Insurance?

Whether it’s workers’ comp in Kansas or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

What Kansas Small Business Insurance is Required?

Workers’ Compensation

In Kansas, every business with a gross annual payroll of $20,000 or more is required to carry workers' compensation insurance. You can receive substantial fines and criminal penalties if you’re required to have a workers’ comp policy and are caught doing business without it.

Other Policy Considerations

Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Also, a BOP can cover damage from tornadoes, high winds, or hail. Financially protecting your company is one of the smartest business decisions you can make.

What Does Kansas Business Insurance Cost?

The cost of business insurance in Kansas depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Business insurance quotes in Kansas, including subcontractor insurance quotes, can be obtained on our website.

Kansas Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in Kansas and save up to 20%.