Question 1

What insurance do Kansas aerospace suppliers need?

Accepted Answer

KS aerospace tier-1 suppliers need workers' compensation, an aviation-grade product/general liability tower (commonly $25M–$100M+ with primary/excess structure), commercial property with equipment breakdown sized to loss-of-use exposure, commercial auto, and business interruption. Tier-1 suppliers also need contractual liability, vendor's coverage extensions, and aviation products specifically endorsed (some standard markets exclude aviation products). RISKX places aerospace-aware programs with markets that understand the OEM contract demands.

Question 2

How much does product liability cost for Kansas aerospace tier-1?

Accepted Answer

Aviation-aware product liability for a Wichita tier-1 commonly runs $25,000–$150,000+/year in total program premium across primary and excess layers, depending on revenue, parts class, and contract-required limits. A small machined-component tier-2 might pay $5,000–$15,000/year on an off-the-shelf $5M tower; a major fuselage-structure tier-1 carrying $100M+ runs into the six-figure range. Pricing is heavily driven by the OEM contract limit demand and the part's safety criticality.

Question 3

How does tornado and hail exposure affect KS manufacturing property?

Accepted Answer

Central Kansas faces concentrated tornado and hail exposure. Property pricing on freestanding manufacturing buildings is elevated, and 1-2% wind/hail percentage deductibles per occurrence are now common. A $5M manufacturing building with a 2% wind/hail deductible means $100,000 retained per qualifying event. Underwriters require detailed roof age, sprinkler protection, and BCP information at submission. The 2022 Andover EF3 tornado has reset underwriting expectations across the central-KS commercial book.

Kansas Manufacturing Insurance | RISKX