Kansas Commercial Vehicle Insurance
Get a full analysis of Kansas commercial vehicle insurance costs, coverages & companies.
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Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.
Find the Best Commercial Vehicle Insurance Rates & Companies in Kansas
Whether your Kansas-based business makes deliveries, hauls heavy equipment or livestock, or uses company vehicles for any other work purpose, it needs the protection only a commercial vehicle insurance policy can provide. This coverage can protect your business from having to pay for costly repairs and expensive lawsuits out of its own pocket.
A Kansas independent insurance agent can help your business get equipped with all the commercial vehicle insurance it needs to maintain smooth operations. They'll help you find a policy fast. But first, here's an overview of commercial auto insurance regulations and more in Kansas.
Best Commercial Vehicle Insurance Companies in Kansas
When you need coverage for your company vehicles, you want to look into only the best commercial auto insurance companies in Kansas. For your convenience, we've compiled a list of just a handful of our top recommendations for quality commercial vehicle insurance in Kansas. Start by checking out these outstanding carriers.
- EMC Insurance Companies: EMC Insurance offers commercial vehicle policies along with many other types of business insurance. The insurance company has excellent ratings from AM Best and the Better Business Bureau (BBB), has affordable premium rates, and offers 24/7 customer service.
- Travelers: Travelers offers commercial vehicle policies along with many other types of personal and business insurance. The longstanding insurance company holds excellent AM Best and BBB ratings, provides many discount options, and has excellent customer feedback.
- Progressive: Progressive offers commercial vehicle policies along with a large catalog of other business and personal insurance products. The top-rated insurance company has a superior financial strength rating from AM Best and offers 24/7/365 customer service.
- Liberty Mutual: Liberty Mutual offers commercial vehicle policies along with a long list of other business and personal insurance. The longstanding insurance carrier is also a Fortune 500 company with excellent ratings from AM Best and the BBB and provides 24/7 claims reporting.
A Kansas independent insurance agent can pull quotes for commercial vehicle insurance from each of these carriers for your business.
What Commercial Vehicle Insurance in Kansas Can Cover
Your commercial auto insurance policy must at least satisfy Kansas's minimum coverage requirements for liability, personal injury protection, and uninsured motorists. But what's included in your business's specific policy depends on the types of coverage you choose. You can build a commercial auto policy with any of the following types of coverage:
- Liability insurance: Pays for the costs of causing property damage or bodily injury to a third party with a company vehicle.
- Collision insurance: Pays for damage to your car from a collision with another driver, regardless of fault.
- Comprehensive insurance: Pays for damage to your car due to a non-collision event such as a flood or theft.
- Medical payments insurance: Pays for the costs of medical treatments if an employee or company driver or their passengers get injured in an accident while using a company vehicle for business purposes.
- Personal injury protection: This includes medical payments coverage with the added benefits of lost wage replacement and certain other expense coverage.
- Uninsured/underinsured motorists insurance: This pays for costs associated with accidents involving other drivers who don't carry enough or any car insurance of their own to pay for their portion of the expenses.
Having the right commercial auto insurance is a necessary part of Kansas commercial vehicle registration. An independent insurance agent in Kansas can help you meet these coverage requirements.
How Much Commercial Vehicle Insurance Is Required in Kansas?
Kansas commercial vehicle regulations must be understood by all business owners with company vehicles. Businesses with company vehicles must have the following types and amounts of coverage by Kansas state law:
- Bodily injury liability insurance: Coverage of at least $25,000 per person and $50,000 per accident of bodily injury liability insurance is required for businesses in Kansas.
- Property damage liability insurance: Coverage of at least $25,000 per incident of property damage liability coverage is required for businesses in Kansas.
- Personal injury protection: Coverage of at least $4,500 per person for medical expenses, $900 per month for one year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral, burial, or cremation expenses, and $4,500 for rehabilitation expenses are required for businesses in Kansas.
- Uninsured/underinsured motorist: Coverage of at least $25,000 per person and $50,000 per accident is required for businesses in Kansas.
Kansas commercial vehicle enforcement exists to ensure that your company is covered by at least the state's mandated amount of commercial auto insurance. Any Kansas business with company vehicles that does not satisfy these requirements can face fines or other harsh state penalties.
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What Commercial Vehicle Insurance in Kansas Will Not Cover
Kansas commercial auto insurance comes with its own exclusions, just like any other type of coverage. Don't expect your commercial vehicle insurance policy to cover any of the following:
- Intentional damage or injuries caused by company drivers and employees who use company vehicles
- Damage to company vehicles from environmental pollutants
- Employee injuries that can be covered by a workers' compensation policy
- Accidents caused by a company driver or employee who was intoxicated
Ask your Kansas independent insurance agent to review your unique business's commercial vehicle policy with you so you can be aware of its exclusions.
Average Cost of Commercial Vehicle Insurance in Kansas
On average, commercial vehicle insurance in Kansas costs just under $150 monthly. There are a few factors that can influence the cost of your business's premiums, though, including:
- The kind of coverage you choose
- The driving history of your employees who use company vehicles
- Your business's size, annual revenue, and location
- How often the company vehicles are used
An independent insurance agent in Kansas can help your business get set up with the right coverage at the best possible price.
Popular Questions About Kansas Commercial Vehicle Insurance
Yes, you'll need commercial auto insurance in Kansas if your business uses company vehicles for work purposes. So, if your company makes deliveries or uses vehicles for any other type of business operation, you'll need a policy.
Commercial auto insurance is required by Kansas state law for businesses that use company vehicles for business purposes. If you're uncertain if you need a policy, a local independent insurance agent can help answer that for you.
In Kansas, your commercial auto insurance policy must at least include liability protection, personal injury protection, and uninsured/underinsured motorist protection. However, you can add more types of coverage to your policy if you choose.
Businesses in Kansas that use company vehicles must have at least the following types and amounts of commercial auto coverage by law:
- Bodily injury liability insurance: Coverage of at least $25,000 per person and $50,000 per accident of bodily injury liability insurance is required.
- Property damage liability insurance: Coverage of at least $25,000 per incident of property damage liability coverage is required.
- Personal injury protection: Coverage of at least $4,500 per person for medical expenses, $900 per month for one year for disability or loss of income, $25 per day for in-home services, $2,000 for funeral, burial, or cremation expenses, and $4,500 for rehabilitation expenses is required.
- Uninsured/underinsured motorist: Coverage of at least $25,000 per person and $50,000 per accident is required.
Yes, commercial vehicle insurance is tax-deductible in Kansas. Businesses can deduct the cost of their commercial vehicle insurance premiums from their total taxable income.
Commercial auto insurance in Kansas covers property damage and bodily injury liability for accidents involving third parties. Kansas commercial auto insurance also includes personal injury protection and uninsured/underinsured motorist coverage.
In Kansas, commercial auto insurance costs an average of just under $150 per month. An independent insurance agent can help you find the most affordable policy.
Kansas independent insurance agents can pull quotes and shop and compare policies from multiple commercial vehicle insurance carriers in your area. They'll ultimately get you matched to a policy that offers the best blend of coverage and cost. Better yet, your agent can help your business file claims down the road and update your coverage as necessary.
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