Contractor Insurance
in Kansas
Build Safely and Stay Licensed in Kansas’s Risk-Prone Construction Industry
Kansas contractors face everything from unpredictable weather to evolving local insurance rules. Whether you’re roofing in Wichita or remodeling homes in Overland Park, one uninsured claim can put your entire business at risk. That’s why Affordable Contractors Insurance (ACI) provides custom policies that meet Kansas requirements and protect your jobsite, crew, and equipment.
Why Contractors in Kansas Choose ACI
Local Expertise
We stay up to date on Kansas laws and liability standards
Same-Day Certificates
Fast COIs to keep your projects on schedule
Policy Bundles
Save up to 25% when you bundle your policies
Roofing Coverage Experts
Specialized support for Kansas roofing contractors
Flexible Payment Plans
Coverage that fits your budget with as little as 20% down
Insurance Coverage We Offer in Kansas
No matter your trade, we’ve got a policy to match. Here’s what we offer Kansas contractors:
- General Liability Insurance
Protects you from third-party injuries and property damage claims while on the job.
- Workers’ Compensation Insurance
Required if you have employees—covers jobsite injuries, lost wages, and medical costs.
- Commercial Auto Insurance
Insures work vehicles used to transport tools, materials, or team members.
- Tools & Equipment Insurance
Covers theft, vandalism, or damage to your tools—on or off the jobsite.
- Builder’s Risk Insurance
Protects your project during construction against fire, storms, theft, and more.
- Professional Liability Insurance
Covers design errors, missed specs, or claims of negligence tied to professional services.
Who We Cover in Kansas
We provide insurance for general contractors and a wide range of specialty trades across Kansas, including:
- Roofing Contractors
- General Contractors
- Electricians
- Plumbers
- HVAC Technicians
No matter your specialty, ACI has the right coverage to keep your Kansas contracting business protected and compliant.
How Much Does Contractor Insurance Cost in Kansas?
Your rate depends on your trade, claims history, number of employees, and selected coverage. Here are the top factors that affect your premium:
Cost Factors
- Trade Risk Level
Roofers typically pay more than painters or landscapers
- Payroll & Revenue
Higher payroll = higher premiums
- Coverage Limits
More protection = higher cost
- Policy Deductible
Lower deductible = higher monthly rate
Request a custom quote to find out exactly what you’ll pay.
Kansas Contractor Insurance Requirements
General Liability Insurance
Kansas does not mandate this at the state level, but roofing contractors are required by law to carry at least $500,000 in liability insurance to be legally registered.
Workers’ Compensation Insurance
Required for all businesses with employees—even part-time. Self-employed contractors may opt for added protection.
Commercial Auto Insurance
Required if your business owns and operates vehicles for transporting materials or tools.
Requirements can vary by city or trade. ACI helps you meet local licensing and insurance standards.
Get a Free Contractor Insurance Quote
in Kansas
Protect your tools, team, and bottom line. Get a fast, customized quote—no long forms, no pressure.