Construction workers compensation in Kansas
Construction businesses in Kansas pay a median rate of $1.21 per $100 of payroll, ranging from $0.140 to $5.28. The national median for Construction is $2.26, so Kansas sits 46% below the national average. 82 unique NCCI class codes are filed in this state for Construction occupations. Verified 2026-05-09.
Top Construction class codes in Kansas
The class codes most likely to apply to a Construction operation in Kansas, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 5191 | Plumbing - Commercial/Industrial | $0.290 | HIGH |
| 5160 | Elevator Erection or Repair | $0.500 | HIGH |
| 5190 | Electrical Wiring | $0.720 | HIGH |
| 4828 | Oil & Gas Pipeline Construction | $0.750 | HIGH |
| 5183 | Plumbing | $0.830 | HIGH |
| 6252 | Shaft Sinking | $0.890 | HIGH |
| 7335 | Railroad - Construction/Maintenance | $0.940 | HIGH |
| 4902 | Waterproofing Contractor | $0.950 | HIGH |
| 5192 | Plumbing - Residential/Domestic | $0.950 | HIGH |
| 4024 | Concrete Construction | $1.25 | HIGH |
Kansas compliance for Construction employers
Coverage threshold
Mandatory for employers with one or more employees, with specific exemptions for certain agricultural employers, real estate agents, and others.
1099 vs W-2 in Construction
Independent contractor status is determined by the 'right to control' test; if the employer retains the right to control the manner and means of the work, the individual is likely an employee.
Owner exclusion
Allowed in Kansas. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$869 at 66.67% of average weekly wage, effective 2025-07-01.
Statute of limitations
3 years from injury date in Kansas.
Audit window
Kansas carriers audit payroll Typically within 3 years of policy expiration, as per NCCI rules.. Keep Construction payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Kansas workers comp overview · Construction cross-state rate comparison · Kansas workers comp lawyer guide · Kansas settlement chart
Estimate your Construction premium in Kansas
Pre-filled to Construction and Kansas. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Construction in Kansas
$700to$26,400
Median: $6,050 · Rate range $0.140 to $5.28 per $100 payroll
Industry median across all states
$11,300
Cheapest states for Construction
- Utah $0.780
- Washington $1.13
- Kansas $1.21
Most expensive
- New Jersey $6.95
- Illinois $5.01
- New York $4.84
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Construction businesses in Kansas
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Step 1, Confirm coverage threshold
Mandatory for employers with one or more employees, with specific exemptions for certain agricultural employers, real estate agents, and others. For Construction operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Construction businesses typically use codes like 7335, 6251, 6252. The wrong code can cost 4 to 10x more or get reclassified at audit. In Kansas, the cheapest code on this list is 5191 at $0.290 and the most expensive is 4024 at $1.25.
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Step 3, Get a quote
Private carriers write Construction coverage in Kansas. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are liable for injuries to employees of uninsured subcontractors if the subcontractor is performing work that is part of the general contractor's trade or business. Construction operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll Typically within 3 years of policy expiration, as per NCCI rules.. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Construction class allocation can shift if any worker spends more than 50% of time on a different code.
Construction workers comp FAQs in Kansas
What is the typical workers comp rate for Construction in Kansas?
Construction employers in Kansas pay a median rate of $1.21 per $100 of payroll, with rates ranging from $0.140 to $5.28 depending on the specific class code. The national median across all states for Construction is $2.26, so Kansas sits about 46% below the national average.
How many Construction class codes are filed in Kansas?
Kansas has 82 unique NCCI class codes filed for Construction occupations, drawn from 86 state-class code rate cells in our dataset. The most common codes include 7335 (Railroad - Construction/Maintenance), 6251 (Tunneling), 6252 (Shaft Sinking).
Are Construction 1099 contractors covered by workers comp in Kansas?
Independent contractor status is determined by the 'right to control' test; if the employer retains the right to control the manner and means of the work, the individual is likely an employee.
What is the maximum weekly benefit for an injured Construction worker in Kansas?
Kansas caps weekly workers comp benefits at $869 (effective 2025-07-01), calculated as 66.67% of the average weekly wage. Construction workers are subject to the same statutory cap as workers in any other industry.
How long does a Construction worker have to file a comp claim in Kansas?
The statute of limitations in Kansas is 3 years from the date of injury. Most claims also require notice to the employer within 30 days. Construction workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Construction business owner exclude themselves from comp coverage in Kansas?
Yes, Kansas allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Construction owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.