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Quick guide: Workers’ compensation in Kansas

Your small business work comp questions answered

You’ve got a business to run so we’ll tell you what you need to know about workers’ compensation in Kansas — what it is, who needs it, and where you can buy it.

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What is workers’ comp?

Workers’ compensation insurance was created to pay for medical costs and lost wages if employees are injured at work. Benefits can also include payments to compensate for permanent disabilities and to dependents of workers who are killed in job-related incidents. It protects employees from the costs of work injuries and protects employers from lawsuits.

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What does workers' compensation insurance cover?

Unlike other lines of insurance, workers’ compensation doesn’t offer different or optional levels of coverage for you to choose. When your policy is in place, it covers every work-related injury considered compensable by Kansas state law. Workers’ comp benefits are spelled out by state law and don’t vary from policy to policy within the state.

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How do I know if I need workers' comp insurance?

If you have any employees, even one who only works part-time, Kansas law requires you to provide workers’ compensation coverage.

There is an exception, which is listed in the next question.

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Are there any exceptions?

There is an exception in Kansas workers’ compensation law: Agricultural pursuits and employments are excluded from the Work Comp Act, unless the employer is the state of Kansas.

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How much will it cost?

Your workers’ compensation premium is based on how much your payroll is, how dangerous your industry is, and your business’s history of work injuries. If you have a clean safety record, it can help keep your premium low.

For more on how premium is calculated, see our Workers’ Comp 101 page.

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Where do I buy workers’ comp insurance?

You have a couple options: you can use an independent insurance agent (find an agent in your area using the tool on our SFM website) or buy it directly from an insurance carrier like us. To get your workers’ comp coverage directly through SFM, request a quote online or call us at (844) 828-3801.

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Where can I get more information on workers’ compensation in Kansas?

Since workers’ comp coverage is mandated by the state, the Kansas Department of Labor is your go-to source of information. The department also offers workplace safety resources.

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Have other questions?

Find more questions and answers on our Workers’ Comp 101 page, or contact us!

Ready to get started?