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Kansas Commercial Auto Insurance
Customizable coverage options for your business vehicles
Protect your business vehicles with a Kansas commercial auto policy
Many of Kansas' 257,000 small businesses need commercial auto insurance to protect from accidents and other situations involving their business vehicles. Commercial vehicles are considered higher risk than personal vehicles and often require specialized limits and coverages that a personal auto policy won't cover.
Hundreds of thousands of small business owners across the nation trust us to protect their work vehicles and livelihoods. Each gets customized coverage to match their unique needs, whether they own a single food truck in Kansas City or several box trucks in Wichita.
Commercial auto coverage for a variety of business types:
Business auto
Vehicles driven by employees or used for business activities, such as making deliveries or running errands, usually need commercial auto insurance. Personal auto insurance typically doesn't cover vehicles used for work purposes.
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Contractors
Contractors need commercial auto coverage for things like transporting various tools and supplies and traveling between job sites. These are business-related activities that need the additional protection of a commercial policy.
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Food truck
Food trucks and other food service businesses, like restaurants and ice cream vendors, depend on their commercial vehicles. Most food trucks have expensive equipment attached to them that a commercial auto policy can cover.
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For-hire livery
Any vehicle used to transport people for a fee must be insured by a commercial auto policy. This includes taxis, limousines and non-emergency medical transportation (NEMT) vehicles. Some ridesharing vehicles might require commercial coverage.
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Heavy truck
We're the #1 truck insurer in the nationΔ, insuring everything from dump trucks to tractor trailers. Our network of truck repair shops and specialty claims services is accessible whether you're driving locally or outside of Kansas.
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Tow truck
We offer protection whether you own a wrecker, rollback or roadside repair vehicle. You can add specialty tow coverages like on-hook and garagekeepers legal liability to protect you when a customer's vehicle is in your possession.
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Did you know?
Kansas' state minimum liability limit 25/50/25 is called a split limit. It separates, or "splits," the dollar amounts payable by your insurer for bodily injury and property damage into three groups. By choosing Kansas' state minimum limits, your policy will pay up to:
- $25,000 for each person injured in an accident
- $50,000 for all people injured in an accident
- $25,000 for all property damaged in an accident
Learn more about liability coverage. Discover ways to save on your commercial auto insurance.
Kansas commercial auto insurance requirements
Kansas state law requires all commercial auto policies to have a minimum liability limit of $25,000 per person, $50,000 per accident for bodily injury and $25,000 for property damage (i.e., 25/50/25). Some policies are required to carry higher limits based on the types of vehicles they insure.
Other required coverages include personal injury protection (PIP), uninsured motorist (UM) and underinsured motorist (UIM) coverages.
Kansas commercial auto resources:
- Kansas Auto Insurance Information (Kansas Insurance Department)
- Motor Carrier Insurance Requirements (DOT Operating Authority)
Common professions that need commercial auto insurance in KS:
- Food trucks
- Cleaning services
- Landscapers
- Auto detailers
- Real estate agents
- Painting contractors
- Handyman services
- HVAC technicians
- Rideshare drivers
- Non-emergency medical transport
Browse more examples of professions we insure.
Get Kansas commercial auto insurance with Progressive Commercial
We're the #1 commercial auto insurer* in the country, insuring over 2.3 million commercial vehicles. Here's a few of the many reasons small business owners trust us:
24/7 policy service by phone or online
We understand you might need help outside of regular business hours, whether you need to adjust your coverages, request an insurance certificate, or pay a bill.
Specialized commercial claims adjusters
Our in-house adjusters specialize in handling commercial auto claims to help you get back on the road fast after an accident.
Discounts†
Save 10% or more when you pay in full on commercial auto insurance, and take advantage of our other discounts to get the best rate for your Kansas policy.
Business insurance options
In addition to commercial auto insurance, we can help you find other business coverages, including general liability, professional liability, workers' compensation and more.
Commercial auto insurance anywhere in Kansas
We offer Kansas commercial auto insurance statewide, including these major cities:
- Wichita
- Kansas City
- Topeka
- Shawnee
- Manhattan
- Overland Park
- Olathe
- Lawrence
- Lenexa
- Salina
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