Specialized coverage for the Aviation Capital of the World and America's agricultural heartland. From Wichita's aerospace manufacturing to grain elevator construction.
Kansas doesn't require general contractor licenses, but electrical and plumbing trades need state licenses. Business registration required.
Insurance Costs
General liability: $800-2,500/year. Aviation contractors: $2,000-8,000+. Workers' comp: $0.50-15.00 per $100 payroll.
Tornado Coverage
Essential in Tornado Alley. Standard policies may exclude weather damage - specific endorsements required for protection.
Kansas Business & Industry Overview
Comprehensive statistics showcasing Kansas as the aviation capital of America, agricultural powerhouse, and home to resilient contractors in Tornado Alley's epicenter.
Economy & Business
$156.2 billion
State GDP
17th largest state economy
$52,985
Per Capita Income
Above national average
#15
Business-Friendly Ranking
Top 20 for business climate
2.8%
Unemployment Rate
Below national average
90.4
Cost of Living Index
10% below national average
24,500+
New Business Filings
Annual business registrations
Aviation Industry
60%
Aircraft Production
Of all US general aviation aircraft
44,000+
Aviation Employment
Direct aviation jobs in state
3
Major Manufacturers
Boeing, Textron Aviation, Spirit AeroSystems
$3.8 billion
Export Value
Annual aviation exports
65,000+
Wichita Aviation Jobs
Metropolitan aviation employment
12%
Industry Growth
Aviation sector growth rate
Agriculture & Rural
#1 US
Wheat Production
Nation's top wheat producer
$19.2 billion
Agricultural Output
Annual agricultural production
58,500
Farms
Active farming operations
6.3 million
Cattle Inventory
4th largest cattle state
1.1 billion bushels
Grain Storage
Elevator storage capacity
46 million acres
Farmland
90% of state land area
Construction & Infrastructure
68,400
Construction Employment
Statewide construction jobs
$3.2 billion
Construction GDP
Construction contribution to economy
140,000
Highway Miles
State and local road network
25,400
Bridges
Bridges requiring maintenance
14,200
Building Permits
Annual residential permits
$2.1 billion
Infrastructure Investment
Annual infrastructure spending
Energy & Utilities
6,100 MW
Wind Energy Capacity
43% of electricity generation
102,000 bpd
Oil Production
Barrels per day production
280 bcf
Natural Gas
Annual natural gas production
7,800
Renewable Energy Jobs
Wind and solar employment
95%
Energy Independence
State energy self-sufficiency
18,000 miles
Transmission Lines
High-voltage transmission
Weather & Natural Disasters
56/year
Tornado Frequency
Average annual tornadoes
Epicenter
Tornado Alley Position
Most tornado-prone region
8.2%
F4-F5 Tornadoes
Of all US violent tornadoes
1,200/year
Hail Events
Annual significant hail events
45
Severe Weather Days
Days with severe weather annually
$450 million
Insurance Claims
Annual weather damage claims
Demographics & Workforce
2.94 million
Population
34th most populous state
1.52 million
Labor Force
Active workforce
145,000
Skilled Trades
Construction and manufacturing workers
2.9%
Population Growth
Decade growth rate
36.5 years
Median Age
Below national average
33.4%
College Graduates
Bachelor's degree or higher
Geographic & Regulatory
82,278 sq mi
Total Area
15th largest state
105
Counties
Administrative divisions
627
Incorporated Cities
Municipal governments
7-10 days
Business Registration Time
LLC formation processing
$165
Filing Fee
LLC registration cost
✓
No State Income Tax
Business-friendly taxation
Why Kansas Contractors Choose Us
$156B
State Economy
60%
US Aircraft Production
#1
Wheat Producer
105
Counties Served
Kansas Contractor Startup Costs
Complete Cost Breakdown
All fees and requirements for starting your Kansas contracting business
Business Formation
LLC Formation$165
Business Registration$50-$200
Trade License (if applicable)$200-$500
Local Permits$100-$300
Insurance (Annual)
General Liability ($1M)$800-$2,500
Workers Compensation$1,000-$5,000
Commercial Auto$1,200-$3,000
Aviation Liability (if applicable)$2,000-$8,000+
Estimated Total First Year:$3,315 - $16,565
*Costs vary based on business size, location, and industry specialty
Kansas Contractor Licensing
General Contractor Requirements
No State License Required
Kansas doesn't require general contractor licenses for most construction work. Business registration is sufficient.
Local Requirements
Check with local municipalities for specific permit and licensing requirements in your area.
Insurance Requirements
General liability and workers compensation insurance typically required for most projects.
Trade-Specific Licenses
Electrical Contractors
State electrical license required through the Kansas Electrical Board. Journeyman and master certifications available.
Plumbing Contractors
State plumbing license required through the Kansas Plumbing Board. Master plumber certification for supervision.
Aviation Contractors
FAA certifications may be required for airport construction and aircraft assembly work. A&P licenses for mechanics.
Kansas Business Formation
LLC Formation
• $165 filing fee with Secretary of State
• 7-10 day processing time
• Limited liability protection
• Pass-through taxation benefits
• No state income tax for many LLCs
Recommended for most contractors
Corporation
• $90 filing fee
• Strong liability protection
• Potential tax benefits
• Required board structure
• Annual franchise tax
Best for larger operations
Sole Proprietorship
• No filing fee required
• Simple tax reporting
• Complete business control
• Personal liability exposure
• DBA filing if needed
Higher liability risk
Why Choose CCA for Kansas Coverage
Kansas-Specific Expertise
1
Aviation Industry Experience
Deep understanding of Wichita's aviation manufacturing hub and specialized contractor insurance needs.
2
Agricultural Construction Knowledge
Experience with grain elevator construction, livestock facilities, and farm infrastructure projects.
3
Tornado Alley Protection
Specialized coverage for severe weather risks and rapid storm response for emergency repairs.
Service Excellence
✓
Kansas Licensed Agency
Licensed Kansas insurance agency (#8608479) with local knowledge and regulatory expertise.
✓
Competitive Rates
Strong carrier relationships deliver the best rates for Kansas contractors across all trades.
✓
Same-Day Service
Fast turnaround for certificates and rapid response for emergency weather-related claims.
Kansas Aviation Industry Coverage
Major Manufacturers
Textron Aviation (Cessna/Beechcraft)
World's largest general aviation manufacturer with multiple Wichita facilities.
Spirit AeroSystems
Leading commercial aircraft structures manufacturer serving Boeing and Airbus.
Boeing Defense
Military aircraft modification and support operations in Wichita.
Specialized Coverage Needs
Aviation General Liability
$2-10 million coverage for aircraft assembly, testing, and hangar operations.
Products Liability
Essential for component manufacturers and suppliers to major aircraft OEMs.
Professional Liability
Design and engineering coverage for aviation engineering consultants.
Agricultural Infrastructure Construction
Grain Storage Facilities
Kansas leads the nation in wheat production with extensive grain storage needs.
• Grain elevator construction
• Storage bin installation
• Conveyor system installation
• Dust explosion protection
Livestock Facilities
Cattle operations and livestock infrastructure throughout Kansas.
• Feedlot construction
• Dairy barn facilities
• Livestock processing plants
• Waste management systems
Farm Infrastructure
Essential farm buildings and rural infrastructure projects.
• Machine shed construction
• Irrigation system installation
• Farm-to-market roads
• Rural bridge construction
Kansas Construction Liability Laws
10-Year Statute of Repose
Kansas has a 10-year statute of repose for construction defect claims, beginning from substantial completion. This provides contractors with reasonable liability protection against claims filed after this period.
Protection Benefits
• 10-year absolute deadline for claims
• Protects against discovery rule
• Reduces long-term liability exposure
• Balanced contractor protection
Important Considerations
• Document substantial completion
• Maintain project records
• Consider extended coverage
• Review warranty periods
Kansas' Contractor-Friendly Business Environment
No State Income Tax
Kansas eliminated state income tax for many LLCs, reducing business tax burden significantly.
• LLC tax advantages
• Reduced business taxes
• Competitive advantage
Business-Friendly Formation
Fast, affordable business formation with minimal ongoing requirements.
• Quick LLC formation
• Reasonable filing fees
• Minimal compliance burden
Reasonable Liability Laws
Balanced construction defect laws with reasonable statute of limitations.
• 10-year statute of repose
• Contractor protection
• Predictable legal environment
Kansas Counties We Serve
Major Metropolitan Areas
• Sedgwick County (Wichita)
• Johnson County (Kansas City metro)
• Shawnee County (Topeka)
• Douglas County (Lawrence)
• Butler County
Aviation Hub Counties
• Sedgwick County (Textron, Spirit)
• Harvey County (aerospace suppliers)
• McPherson County
• Reno County
• Saline County
Agricultural Areas
• All western Kansas counties
• Major grain producing regions
• Livestock operation areas
• Rural infrastructure projects
• All 105 counties statewide
Statewide Coverage
Serving all 105 counties across Kansas with comprehensive contractor insurance solutions
Kansas Contractor Insurance FAQ
Everything you need to know about contractor insurance in the Sunflower State
Still Have Questions About Kansas Contractor Insurance?
Our Kansas-licensed agents understand the unique risks facing contractors in the Aviation Capital and Tornado Alley
Licensed in Kansas with deep expertise in aviation manufacturing, agricultural construction, and severe weather protection. Get specialized coverage from agents who understand your unique risks.
