Kansas Workers Compensation Insurance-Workmans Compensation

Kansas Workers Compensation Insurance Rules

Kansas Workers Compensation

1. Does my Kansas business need workers compensation insurance?

Yes, if you are an employer in a non-agricultural business, with more than 20,000 in non-family payroll, you must secure workers compensation insurance benefits for your employees.

2. In Kansas is there any exemptions from carrying workers compensation insurance?

Certain businesses with agricultural pursuits are exempt from carrying workers compensation insurance. Sole proprietors/Partnerships where there are no employees are exempt from carrying workers compensation insurance. Corporate officers or shareholders with 10% or more holdings in corporation may elect to exempt themselves from workers compensation insurance coverage.

3. Does Kansas workers compensation law have specific requirements for subcontractors/contractors and sole proprietors?

Independent contractors with no employees may choose to exempt themselves from carrying workers compensation insurance. However, if they do employ workers, once their total gross payroll exceeds $20,000, they must provide workers compensation insurance benefits to their employees.

Employee Leasing and Staffing Companies

Using a PEO or staffing company to obtain your workers compensation may be a good alternative to purchasing your own workers compensation policy. Leasing companies handle your payroll, w-2 forms, unemployment and workers compensation claims. In many cases the down payment required to obtain a new workers compensation policy is high and many new businesses cannot afford the down payment. Another advantage, based on my experience, is that you will never get audited because you pay as you go for your coverage. We represent numerous leasing and staffing companies who in many cases offer deep discounts on your workers compensation coverage that you will not find from standard workers compensation insurance carriers.

USL&H & The Jones Act

We have excellent workers compensation programs for these specialty risks requiring this endorsement. If you are unsure and want to read either the USL&H or Jones Act I have provided helpful links below for you convenience. I have found them to be the most detailed and good resources on the laws.

If you need a quote that requires this coverage

Click Here for a USL&H Quote

Click here for the complete USL&H Act, courtesy of Cornell University.
Click here for: USL&H & Jones Act Information
Defense Base Act Division of Longshore and Harbor Workers' Compensation

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