ERGO NEXT tops our Kansas professional liability insurance rankings, scoring highest for customer service, coverage options and digital platform usability. The Hartford offers the cheapest professional indemnity insurance in Kansas at $69 monthly, $6 below the state average. Simply Business, Nationwide and Coverdash follow in our top five for errors and omissions insurance in Kansas.
Best Professional Liability Insurance in Kansas
Get KS professional liability insurance quotes starting at $24 monthly from MoneyGeek's top companies like ERGO NEXT, The Hartford and Simply Business.
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Updated: January 30, 2026
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Professional Liability Insurance in Kansas: Key Takeaways
ERGO NEXT provides the best professional liability insurance in Kansas, while The Hartford delivers the most affordable coverage starting at $69 monthly (Read More).
Professional liability insurance costs in Kansas average $75 monthly ($905 annually), placing the state among the more affordable options nationwide (Read More).
Professional liability insurance protects Kansas businesses against claims involving professional mistakes, missed deadlines and failure to deliver promised services (Read More).
Kansas doesn't require most businesses to carry professional liability insurance, though health care providers and other licensed professionals often need coverage (Read More).
Kansas business owners should request small business insurance quotes from multiple providers to compare coverage limits, deductibles and premium costs (Read More).
Best Professional Liability Insurance Companies in Kansas
| ERGO NEXT | 4.71 | $70 |
| The Hartford | 4.66 | $69 |
| Simply Business | 4.51 | $74 |
| Nationwide | 4.45 | $80 |
| Coverdash | 4.44 | $75 |
| biBERK | 4.42 | $77 |
| Progressive Commercial | 4.38 | $73 |
| Hiscox | 4.35 | $75 |
| Chubb | 4.27 | $86 |
| Thimble | 4.20 | $74 |
How Did We Determine the Best Professional Liability Insurance in Kansas?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE IN KANSAS
Professional liability insurance in Kansas is just one piece of comprehensive business protection you'll need to consider:
1. ERGO NEXT: Best Professional Liability Insurance in KS
pros
Tops customer service rankings nationwide
Highest-rated digital platform and mobile app
Instant certificate of insurance access 24/7
Coverage in 10 minutes online
cons
Claims processing ranks fourth nationally
Relatively new in insurance market (founded 2016)
COMPANY HIGHLIGHTS
ERGO NEXT ranks first for Kansas professional liability insurance, earning the highest customer experience score in our study. Business owners in Wichita, Overland Park and Topeka choose ERGO NEXT for its digital platform that delivers instant certificate access and 10-minute purchasing. At $70 monthly, Kansas professionals get $1 million/$2 million coverage backed by Munich Re's A+ Superior AM Best rating. ERGO NEXT's 4.8 digital experience score reflects what Overland Park consultants and Lawrence IT professionals value most, such as managing policies, filing claims and downloading COIs online without phone calls.
2. The Hartford: Cheapest Professional Liability Insurance in KS
pros
Lowest professional liability rates in Kansas
Top-ranked claims processing and overall customer satisfaction
A+ Superior AM Best financial strength rating
200+ years of industry experience
cons
Digital experience ranks 10th nationally
Not available in Alaska and Hawaii
COMPANY HIGHLIGHTS
The Hartford offers Kansas's cheapest professional liability insurance at $69 monthly, saving businesses $6 compared to the $75 state average. Kansas professionals in Wichita, Topeka and Kansas City choose The Hartford for claims handling ranked first nationally and 200+ years of industry expertise. At $827 annually, businesses get $1 million/$2 million coverage backed by an A+ Superior AM Best rating. The Hartford's high claims satisfaction score imply quick reimbursements and knowledgeable agent support, something Overland Park consultants and Lawrence accountants value.
3. Simply Business: Best Professional Liability Insurance Coverage Options in KS
pros
Ranks first nationally for coverage options
Access to 16+ top-rated insurance carriers
Third-ranked digital experience and instant certificate access
Compare multiple quotes in 10 minutes online
cons
Claims processing ranks eighth nationally
Overall customer satisfaction ranks seventh nationally
As a broker, you file claims with partner insurers
COMPANY HIGHLIGHTS
Simply Business ranks first for professional liability insurance coverage options in Kansas, with its broker model connecting businesses to 16+ carriers including Travelers, CNA and Hiscox. Kansas professionals in Wichita, Overland Park and Topeka pay $74 monthly while comparing quotes from multiple A-rated insurers in 10 minutes. Simply Business's high score in digital experience shows why Lawrence consultants and Kansas City accountants choose the platform for instant certificate access, policy management and quote comparisons without calling insurers.
Average Cost of Professional Liability Insurance in Kansas
Professional liability insurance costs in Kansas vary by industry. Home-based businesses pay the lowest rates at around $36 per month, while mortgage brokers face the highest costs at approximately $162 per month. The filtering tool below shows specific rates for your business type.
Data filtered by:
Select
| Accountants | $142 | $1,708 |
| Ad Agency | $94 | $1,133 |
| Auto Repair | $81 | $969 |
| Automotive | $73 | $881 |
| Bakery | $52 | $621 |
| Barber | $41 | $494 |
| Beauty Salon | $48 | $573 |
| Bounce House | $58 | $697 |
| Candle | $40 | $482 |
| Cannabis | $120 | $1,439 |
| Catering | $77 | $920 |
| Cleaning | $53 | $632 |
| Coffee Shop | $60 | $720 |
| Computer Programming | $102 | $1,219 |
| Computer Repair | $60 | $726 |
| Construction | $75 | $902 |
| Consulting | $104 | $1,249 |
| Contractor | $61 | $736 |
| Courier | $47 | $565 |
| DJ | $44 | $522 |
| Daycare | $106 | $1,267 |
| Dental | $81 | $976 |
| Dog Grooming | $52 | $624 |
| Drone | $105 | $1,256 |
| Ecommerce | $59 | $710 |
| Electrical | $61 | $730 |
| Engineering | $101 | $1,218 |
| Excavation | $66 | $796 |
| Florist | $37 | $439 |
| Food | $107 | $1,288 |
| Food Truck | $57 | $680 |
| Funeral Home | $77 | $925 |
| Gardening | $39 | $470 |
| HVAC | $80 | $955 |
| Handyman | $53 | $633 |
| Home-based business | $36 | $428 |
| Hospitality | $72 | $864 |
| Janitorial | $48 | $574 |
| Jewelry | $61 | $726 |
| Junk Removal | $65 | $778 |
| Lawn/Landscaping | $50 | $596 |
| Lawyers | $143 | $1,710 |
| Manufacturing | $57 | $690 |
| Marine | $86 | $1,027 |
| Massage | $103 | $1,235 |
| Mortgage Broker | $162 | $1,943 |
| Moving | $79 | $950 |
| Nonprofit | $49 | $593 |
| Painting | $61 | $733 |
| Party Rental | $54 | $647 |
| Personal Training | $69 | $824 |
| Pest Control | $93 | $1,116 |
| Pet | $45 | $538 |
| Pharmacy | $55 | $658 |
| Photography | $62 | $744 |
| Physical Therapy | $92 | $1,108 |
| Plumbing | $86 | $1,032 |
| Pressure Washing | $55 | $656 |
| Real Estate | $121 | $1,454 |
| Restaurant | $79 | $952 |
| Retail | $53 | $636 |
| Roofing | $95 | $1,143 |
| Security | $98 | $1,174 |
| Snack Bars | $46 | $552 |
| Software | $92 | $1,099 |
| Spa/Wellness | $109 | $1,304 |
| Speech Therapist | $98 | $1,177 |
| Startup | $68 | $820 |
| Tech/IT | $98 | $1,182 |
| Transportation | $94 | $1,123 |
| Travel | $95 | $1,141 |
| Tree Service | $73 | $874 |
| Trucking | $107 | $1,281 |
| Tutoring | $59 | $713 |
| Veterinary | $112 | $1,348 |
| Wedding Planning | $73 | $880 |
| Welding | $74 | $889 |
| Wholesale | $58 | $701 |
| Window Cleaning | $60 | $720 |
How Did We Determine These Kansas Professional Liability Insurance Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
What Does Kansas Professional Liability Insurance Cover?
Professional liability insurance in Kansas protects your business when clients claim you made mistakes or failed to deliver promised services. Professional liability insurance covers damages from these claims plus any legal costs you face defending yourself. This coverage goes by several different names:
- Errors and omissions insurance (E&O)
- Malpractice insurance (used mainly in health care and law)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Kansas?
Kansas doesn't mandate professional liability insurance for most businesses, but clients require $1 million per occurrence and $2 million aggregate coverage for contract work. Health care providers must maintain $500,000/$1.5 million minimum coverage under Kansas law (K.S.A. § 40-3401), plus participation in the Health Care Stabilization Fund, which brings total coverage to $1 million/$3 million.
Who Needs Professional Liability Insurance in Kansas?
Kansas professionals providing contract-based services or advice where errors could result in financial harm should consider professional liability insurance. Client contracts, industry regulations and the risk of negligence claims make errors and omissions coverage essential for protecting your Kansas business.
Health care professionals
Kansas law requires health care providers to maintain professional liability insurance and participate in the Kansas Health Care Stabilization Fund under K.S.A. § 40-3401. The Kansas State Board of Healing Arts regulates 16 health care professions across the state, with active licensees needing $500,000/$1.5 million minimum coverage plus Health Care Stabilization Fund participation, bringing total protection to $1 million/$3 million.
Animal health professionals
Kansas anchors the Kansas City Animal Health Corridor, the world's largest concentration of animal health companies representing 56% of global sales in this $88 billion industry. Veterinarians, researchers, diagnostics specialists and pharmaceutical professionals working for the 300+ companies in Manhattan, Topeka and Kansas City metro need professional liability coverage for the specialized advice, treatments and product development services they provide.
Accounting and financial professionals
The Kansas Board of Accountancy licenses Certified Public Accountants (CPAs) through a two-tier system requiring 150 semester hours, exam passage, and one year of verified experience before issuing permits to practice. Kansas accountants and financial consultants need accountants' professional liability insurance to protect against claims arising from audits, tax preparation errors, or financial advice that clients allege caused them economic harm.
Real estate professionals
The Kansas Real Estate Commission requires brokers and salespersons to maintain active licenses through continuing education and experience requirements, with brokers needing at least two years of licensed activity. Real estate professionals in Wichita, Overland Park and Topeka encounter liability exposure during transactions and should secure errors and omissions insurance for real estate to cover claims related to contract errors, disclosure failures or misrepresentation allegations.
Construction and contractors
Kansas contractors must obtain licenses through local jurisdictions like Johnson County, Sedgwick County and the City of Topeka, with most requiring $300,000 minimum general liability insurance and workers' compensation coverage. Contractors working on commercial and residential projects need professional liability insurance to cover design errors, missed project specifications or construction defects that clients claim violated contractual obligations.
Tech and IT professionals
Kansas's growing technology sector in Wichita, Overland Park and Kansas City supports the state's corporate and professional services industry, with increasing focus on cybersecurity, software development and managed IT services. Tech consultants, software developers and IT professionals need tech E&O insurance to protect against claims stemming from data breaches, software failures, missed deadlines or inadequate cybersecurity recommendations.
How to Get the Best Professional Liability Insurance in Kansas
Our step-by-step guide walks you through getting business insurance in Kansas that matches your professional liability insurance needs and budget. Follow these six steps to secure coverage that protects your Kansas business.
- 1Assess your professional liability insurance coverage needs
Evaluate your business risks, client contract requirements, and any Kansas regulatory mandates that apply to your profession. Health care providers must account for Kansas Health Care Stabilization Fund participation requirements under K.S.A. § 40-3401, while animal health professionals in Manhattan's corridor need coverage addressing veterinary pharmaceutical development and diagnostics risks unique to the world's largest animal health concentration.
- 2Work with a local agent
Find an agent who understands Kansas's unique regulatory landscape, where contractor licensing varies by jurisdiction and how business insurance costs differ between Wichita's aviation manufacturing sector and Topeka's government services market. Kansas agents familiar with the Animal Health Corridor can identify coverage gaps that generic providers miss when insuring veterinarians, researchers or pharmaceutical professionals serving this $88 billion global industry.
- 3Get quotes and compare coverage details
Request quotes from insurers experienced with Kansas businesses to find the most affordable business insurance rates nationally for this coverage type. A Lawrence tech consultant working with Kansas State University research partnerships should compare how different insurers handle intellectual property claims and university contract requirements, not just compare premiums.
- 4Research the best providers
Prioritize insurers with strong AM Best financial ratings and demonstrated experience serving Kansas's key industries: animal health, aerospace, agriculture and professional services. Check the Kansas Department of Insurance website to verify insurer licensing and review complaint ratios for companies operating in your region, as claims handling quality matters more than premium savings when dealing with a six-figure professional negligence lawsuit.
- 5Consider bundling discounts
Kansas businesses operating across multiple counties can maximize savings by bundling professional liability with general liability, especially if you're a contractor navigating different local licensing jurisdictions or an accountant serving both agricultural and types of business insurance corporate clients. A Certified Public Accountant (CPA) firm in Overland Park serving Kansas City's Animal Health Corridor companies saves 20% annually by bundling professional liability with cyber liability coverage, critical protection given the sensitive pharmaceutical research data they handle.
- 6Don't let your coverage lapse
Kansas's local contractor licensing structure means coverage gaps can jeopardize multiple jurisdictional licenses simultaneously if a claim arises during a lapse period. A Wichita contractor who worked in Johnson County, Sedgwick County, and Douglas County over three years must maintain continuous coverage or purchase tail coverage (extended reporting coverage) when switching carriers to protect against claims from work performed under each jurisdiction's separate licensing authority.
Get Kansas Professional Liability Insurance Quotes
MoneyGeek connects you with leading professional liability insurance providers in Kansas based on your specific industry needs. Our matching tool below identifies your best company options and delivers personalized quotes to secure the right coverage for your business.
Get Matched to the Best KS Professional Liability Insurer for You
Select your industry and state to get a customized KS professional liability insurer match and get tailored quotes.
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Kansas Professional Liability: Bottom Line
Selecting professional liability insurance in Kansas depends on understanding your business risks and choosing the right provider. ERGO NEXT leads our rankings, though your industry, client contracts and budget should determine your final choice. Assess your needs, compare options with a local Kansas agent and secure coverage that financially protects your business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.