How Does Workers’ Compensation Insurance Work in Kansas?

Workers’ compensation provides financial protection when employees are injured or become ill due to their job. Kansas law requires most public and private employers that meet the state’s annual payroll threshold to carry workers’ compensation insurance, even if they employ only one worker.

Exemptions may apply to certain agricultural workers, realtors classified as independent contractors and firefighters covered by relief associations that have waived coverage.

Workers’ compensation coverage typically includes the following for a covered claim:

• Medical expenses: Doctor visits, hospital stays, rehabilitation, and prescription medications.
• Lost wages: Partial wage replacement for employees unable to work during recovery.
• Disability benefits: Compensation for temporary or permanent disability resulting from workplace injuries.
• Death benefits: Support for dependents if a workplace accident results in loss of life.

This coverage ensures employees receive the care they need while generally protecting employers from costly lawsuits.

How Are Claims Handled?

When an incident occurs, employers and HR managers should follow these steps:

• Report the injury. Employees must notify their employer of the injury within timeframes set by Kansas law, and employers should promptly file the necessary reports with the Kansas Division of Workers Compensation.
• Seek medical care. Employees should receive appropriate medical treatment, usually from providers designated or approved by the employer or insurer.
• File the claim. Employers and insurers work together to file claims and ensure benefits are provided.
• Monitor recovery. Employers should stay engaged, supporting employees as they transition back to work.

Clear communication and timely reporting are critical to ensuring claims are processed smoothly.

Why Is Workers’ Compensation Coverage Essential?

For Kansas businesses, workers’ compensation insurance is a strategic investment in employee well-being and organizational stability. Benefits include:

• Protecting employees: Ensures injured workers receive medical care and financial support.
• Reducing employer liability: Helps shield businesses from potential lawsuits related to workplace injuries.
• Supporting workplace morale: Demonstrates care for employees, strengthening trust and loyalty.
• Maintaining compliance: Avoids costly penalties and ensures adherence to Kansas law.

How Much Does Workers’ Compensation Coverage Cost?

Several factors determine how much a Kansas business will pay for coverage:

• Industry risk: High-risk industries such as construction or manufacturing typically pay more than office-based businesses.
• Payroll size: Premiums are calculated based on payroll, so larger workforces mean higher overall costs.
• Claims history: Businesses with frequent workplace injuries may face higher premiums.
• State rates: Kansas is an NCCI (National Council on Compensation Insurance) state, so rates are standardized but adjusted for local conditions. Kansas rates are consistently below the national average.

Our team of experienced agents can help your company compare workers’ compensation insurance quotes.

How Bovard Insurance Group Can Help

At Bovard Insurance Group, we help local businesses structure policies that meet state requirements and provide ongoing support for claims and employee benefits.

Contact us to learn more about how we can help your company secure appropriate workers’ compensation coverage.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.