From service vans to company pickups, Kansas businesses rely on their vehicles. Compare commercial auto insurance with a Blue Peak advisor.
Looking for commercial auto insurance in Kansas? A commercial policy can protect the vehicles your business owns or uses. A Blue Peak advisor can help you compare coverage and limits.
Kansas businesses use vehicles in many ways, from local deliveries to job sites. We help you find coverage that matches yours.
A commercial auto policy protects vehicles used for business. Here are the main coverages.
Liability can help pay for injuries and property damage your business vehicles cause to others, including legal defense costs.
Physical damage coverage can help repair or replace business vehicles after a crash, theft, hail, or other covered loss.
This coverage can help with liability when employees drive rented vehicles or their own cars for business errands.
These coverages can help with injuries to your drivers and passengers, depending on the policy and state rules.
A licensed Blue Peak advisor can review your options and help you request a quote.
Kansas requires auto liability of at least 25/50/25, plus personal injury protection and uninsured motorist coverage, on vehicles registered in the state. Many businesses carry much higher limits. Here are other points to consider.
Kansas hailstorms can damage parked vehicles. Comprehensive coverage can help repair business vehicles after hail.
Long rural drives and farm-to-market routes can affect how insurers rate your vehicles.
Use these questions when you compare quotes or review your current policy:
The Kansas Insurance Department (KID) licenses the insurers and agents that sell commercial auto insurance in Kansas. If you have a question about a claim or a company, KID's consumer services team can help, and you can confirm any agent's license on the Kansas Insurance Department website.
Kansas sits in the heart of Tornado Alley, so spring brings tornadoes, large hail and strong straight-line winds, while winter can bring ice storms that bring down limbs and power lines. Kansas businesses deal with hail and wind damage to buildings and vehicles, agricultural and manufacturing exposures, and freight moving along I-70 and I-35. Kansas is a no-fault state for personal vehicles, and commercial vehicles usually need higher limits.
Blue Peak works with businesses with work vehicles in Wichita, Overland Park, Kansas City, Olathe, Lawrence and Topeka, as well as smaller towns across Kansas. Our advisors compare options from multiple carriers and explain how Kansas rules apply to your commercial auto insurance before you decide.
Kansas requires auto liability of at least 25/50/25, plus personal injury protection and uninsured motorist coverage, on vehicles registered in the state. Business vehicles often need higher limits than the minimum.
They can, but their personal policies may not fully cover business use. Hired and non-owned auto coverage can help protect your business.
If vehicles are owned by your business or used mainly for business, a personal auto policy may not cover them. An advisor can review your situation.
Common factors include vehicle type, use, radius of operation, driver records, claims history, and coverage limits.
Personal policies may exclude or limit business use. Commercial coverage is usually needed for business vehicles.
Your vehicles help your business earn money. The right commercial auto policy helps protect them and your business if something goes wrong on the road.
Learn more about our commercial auto insurance options, or see our guide to business insurance in Kansas.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Kansas is regulated by the Kansas Insurance Department. The department is led by the Kansas Commissioner of Insurance, an elected statewide office.
Before you buy any policy, you can confirm that an agent or agency holds an active Kansas license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Kansas.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
