Commercial auto insurance in Kansas

Any Kansas company that uses vehicles for business purposes must insure them appropriately. Commercial auto insurance covers vehicles owned by your business, while hired and non-owned auto insurance (HNOA) covers personal, rented, and leased vehicles used by your business.

Your personal auto insurance policy covers you while driving to and from work, but not while making deliveries, picking up supplies, and other work-specific uses. A business auto policy would cover you and your personal vehicle in case you’re at fault for an accident during a work-related errand.

Any vehicles you own solely for work purposes must be covered by a commercial auto policy, whether you own a landscaping pickup, a food truck, or a fleet of company cars.

Your business could be in legal and financial jeopardy without commercial auto insurance coverage. In Kansas, all vehicles are required to carry auto liability insurance.

If one of your business vehicles is at fault in an accident, you could face an expensive lawsuit or settlement. You’d likely have to pay for damage to the other vehicle or property, medical costs, lost wages, pain and suffering, plus other related costs.

Additionally, you could face severe penalties for not carrying auto insurance. Driving without insurance in Kansas could result in a suspension of license plates and vehicle registration, a fine between $300 and $1,000 and potential jail time of up to six months for a first offense.

State law in Kansas requires all vehicles to have a minimum amount of auto liability insurance coverage, whether they’re for personal or business use. Kansas' insurance requirements for property damage liability and bodily injury liability are:

Liability coverage:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 per accident for property damage

Personal injury protection (PIP):

• $4,500 per person for medical expenses
• $900 per month for one year for disability/loss of income
• $25 per day for in-home services
• $2,000 for funeral, burial, or cremation expenses
• $4,500 for rehabilitation expenses

Uninsured motorist:

• $25,000 per person
• $50,000 per accident

Your insurance agency might recommend higher liability coverage limits based on the types of vehicles you own and how they’re used.

Personal injury protection (PIP) insurance is an add-on coverage that helps provide medical payments coverage after a car accident, regardless of who was at fault, and is typically mandated as part of the state's minimum vehicle insurance requirements.

Semi-trucks, tractor-trailers, and other vehicles with a Kansas Department of Transportation serial number have additional truck insurance liability requirements, depending on the type of vehicle and how it’s used.

You can see if your business needs additional amounts of coverage by checking your USDOT number or docket number with the Federal Motor Carrier Safety Administration.

If you’re using your own vehicle for work-specific activities, your personal auto policy wouldn’t cover you in the case of an accident. That’s why many small business owners purchase hired and non-owned auto insurance (HNOA). This liability policy covers accidents in personal, leased, and rented vehicles used for work purposes.

If you or an employee gets into an accident while driving a personal car for a work errand, your HNOA coverage would help pay for any claims or lawsuits against your business. However, this type of insurance will not cover damage to the vehicle used by your business.

Insureon makes it easy for business owners to get affordable Kansas commercial auto insurance. Complete one easy application to review quotes specific to your business and industry from leading U.S. insurance companies. You can also consult with a licensed insurance agent on your business insurance needs. Start an application for commercial auto insurance quotes today.