Business insurance • Kansas roofing contractors
Kansas Roofing Contractor Insurance: Attorney General Registration and $500,000 Liability
Kansas requires most roofing contractors, residential and commercial, to register with the Attorney General under the Kansas Roofing Registration Act. Registration requires a liability insurance certificate of at least $500,000 and workers’ compensation coverage, an exemption affidavit, or self-insurance proof, renewed each fiscal year.
This guide covers Kansas roofing registration, insurance minimums, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Kansas, and a licensed agent can compare quotes for your roofing business.
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Kansas roofing registration
| Requirement | Detail |
|---|---|
| Who registers | Most contractors who provide or solicit residential or commercial roofing for a fee |
| Liability insurance | Certificate of at least $500,000; insurer must notify the AG of cancellation |
| Workers’ comp | Coverage, an affidavit of exemption, or self-insurance proof |
| Renewal | Each fiscal year, due by June 30 |
Sources: Kansas Roofing Registration Act, Contractor License Requirements (Kansas roofing guide). Kansas has no statewide contractor license bond, but cities may require one.
Kansas workers’ compensation
Kansas generally requires workers’ compensation for nonagricultural employers with more than $20,000 in gross annual payroll, with some exceptions (Contractor License Requirements (Kansas roofing guide)).
Coverage most Kansas roofers carry
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What Kansas roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
Kansas roofing insurance FAQs
Do Kansas roofers need to register?
Yes. Most roofing contractors must register with the Kansas Attorney General.
How much liability insurance does a Kansas roofer need?
At least $500,000.
When does Kansas roofing registration renew?
Each fiscal year, with renewals due by June 30.
Related guides
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
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