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Kansas workers’ compensation requirements mandate that businesses with a payroll of $20,000 or more must provide workers’ compensation for all employees. However, there are several exemptions to be aware of.
There are many things you can do to lower the cost.
Some cost cutting tactics:
The process to buy a policy in Kansas is very similar to what you need to do in other states.
The first step is to get an insurance quote. This is based on your estimated annual payroll.
Once you choose a policy, you’ll pay the premium and be covered for the 12 months of the policy term.
After the year is over, your payroll will be audited to see how accurate it was. If you paid too much, you can expect a refund. If you paid too little, you will get a bill.
Workers' comp coverage also protects employers from legal action. This means that if an employee sues your business because of a workplace injury, the insurance will cover the legal costs of the case.
There are several ways to get workers’ comp insurance in Kansas. The most common is to get a quote from an insurance agent. You can get an online quote in minutes using Kickstand Insurance.
Another option is to join a group-funded workers’ compensation pool.
Some businesses can also choose to self-insure. This only makes financial sense for very large and extremely profitable businesses.
Most employers are required by law to provide workers comp insurance. Failing to do so can lead to some serious penalties.
These include the following:
The spouses and kids of deceased workers are eligible to get death benefits in Kansas. If these people do not exist, other dependents may be provided with benefits.
A total burial allowance of up to $5,000 is also provided.
Kansas families can also get up to 67% of the worker’s average weekly wage. This has a minimum benefit of $391 a week and a maximum benefit of $645 a month.
There is no time limit on how long benefits can be paid, but the total amount is capped at $300,000. If the spouse dies, benefits end. The same applies to children who are 18, although that can be extended to 23 for students.
The total amount of a settlement depends on many factors, such as the severity of the illness or injury, the worker’s salary, and the type of required treatment. In most cases, settlements are paid out weekly until the total amount is provided unless everyone agrees to a lump sum payment.
There are two different statutes of limitation that you should be aware of in Kansas. The claim needs to be filed within three years of the injury or two years from the last payment, whichever is later.
This means that the claim can be filed after the injury date, for instance, if an injury doesn’t heal.
Start by filling out a short online form about your business. We’ll use that info to get you an estimated quote. Then, one of our experienced agents will contact you to review the quote and make sure you are getting the absolutely lowest rate possible for your business. Once the quote is finalized, you’re ready to buy the policy - often with coverage starting that day!
Unlike other online insta-quote systems,
here your quote is reviewed by experts
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