General Contractor Insurance in Missouri

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General contractor insurance in Missouri

Learn about business insurance requirements and the most common policies for general contractors in Missouri.

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Find the right coverage

Insureon helps general contractors find construction insurance that matches your unique risks.

Get free expert advice and peace of mind knowing you have the right property and liability coverage for your small business.

What are the most common policies for general contractors in Missouri?

General contractors may need different types of insurance depending on the work they do and their client contracts. These policies are the most popular for general contractors in Missouri, and often provide the best coverage for their insurance needs.

General liability insurance icon

General liability insurance

A general liability policy covers basic risks, such as a client who trips over your toolbox and suffers a bodily injury. Bundle it with commercial property for savings in a business owner's policy.

  • Damaged customer property
  • Product liability insurance
  • Advertising injuries
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Business owner's policy

A BOP bundles commercial general liability and commercial property coverage at a discount. It's often the most cost-effective type of insurance for general contractors.

  • Accidents that injure clients
  • Client property damage
  • Stolen or damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers’ comp for general contracting businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
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Commercial auto insurance

This policy covers the cost of injuries and property damage in accidents involving a general contractor’s vehicle. It can also pay for repairs to vehicles damaged by weather or vandalism.

  • Legal costs from an auto accident
  • Property damage caused by your vehicle
  • Vehicle theft and vandalism
Contractor’s tools and equipment coverage icon

Contractor's tools and equipment insurance

This policy helps pay for repair or replacement of a contractor’s saws, nail guns, hammers, and other tools if they're lost, stolen, or damaged.

  • Equipment less than five years old
  • Mobile equipment and tools
  • Small tools
Professional liability insurance icon

Professional liability insurance

This policy is also called errors and omissions insurance (E&O). It covers legal fees when a general contractor is sued over a mistake, such as using the wrong materials.

  • Accusations of negligence
  • Failure to complete a project
  • Work mistakes and oversights
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Contractor surety bonds

A bond guarantees reimbursement for the client if a general contractor fails to fulfill the terms of a contract or adhere to building codes. Common bonds include bid bonds, performance bonds, and payment bonds.

  • Compliance with laws
  • Incomplete jobs
  • Breach of contract
Builder’s risk insurance icon

Builder's risk insurance

This policy covers structures in progress and materials, often paying for damage caused by fire, vandalization, and non-severe weather events.

  • New construction
  • Building renovation
  • Worksite theft and vandalism
Environmental liability insurance icon

Contractors pollution liability insurance

Contractors pollution liability covers costs related to pollution, such as a lawsuit alleging harm caused from exposure to silica dust on a construction job site. It's sometimes referred to as environmental insurance.

  • Pollution events
  • Spills during transport
  • Lawsuits over contaminants
Looking for different coverage? See more policies.

What insurance is required for general contractors in Missouri?

General contractors in Missouri must carry the following insurance policies to comply with county or state laws:

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Workers' compensation insurance

If you own a construction or home improvement business in Missouri with one or more employees, your business is required to carry workers' compensation insurance.

Workers' compensation insurance covers medical costs and disability benefits when a Missouri worker is injured on the job or develops an occupational illness. It's a key policy for the construction industry and related professions, such as carpenters, electricians, and plumbers.

Sole proprietors may not need workers' comp for their Missouri general contractor registration or license, but it's still a good idea to carry this insurance coverage. Personal health insurance doesn't cover work-related personal injuries, so it can save you from out-of-pocket medical expenses.

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Commercial auto insurance

Business vehicles in Missouri must be covered by commercial auto insurance.

Commercial auto insurance protects vehicles owned by your general contracting company. It covers property damage and medical bills in an accident that a personal auto policy wouldn't cover, along with vehicle theft, weather damage, and vandalism.

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How much does insurance cost for general contractors in Missouri?

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General contractors in Missouri who buy policies from Insureon pay an average premium of:

General liability: $100 per month
Workers' compensation: $395 per month
Commercial auto: $180 per month

Several factors affect the cost of general contractor insurance, including:

  • Type of building construction, such as townhouses, multifamily homes, or offices
  • Business property and equipment
  • Business income and size
  • Years of work experience
  • Policy limits and deductibles

When do you need a general contractor business license in Missouri?

In Missouri, from St. Louis to Branson, general contractors are not required to carry a state-issued license, but they must be registered with the Secretary of State. While the state doesn't required licensure, the city or county in which you work will likely mandate a local-issued license.

Each city or county has its own requirements for obtaining a contractor's license, as well as different classes based on the type of work you do. It's best to check the local government page for your area to find the correct classification information and requirements.

One example is Kansas City. It has 10 license classifications:

  • Demolition contractor class 1 and 2
  • Electrical contractor class 1, 2, and 3
  • Elevator contractor class 1, 2, and 3
  • Fire protection contractor class 1, 2, and 3
  • Gas-fired appliance contractor
  • Mechanical contractor
  • Pipe fitting contractor
  • Plumbing contractor
  • Residential building contractor
  • Sign contractor

Licensure requirements in Kansas City include:

To register your Missouri business with the Secretary of State, visit the website.

How do I get Missouri contractors liability insurance?

Insureon’s industry-leading technology helps general contractors in the state of Missouri save time and money shopping for business liability insurance and property insurance. Start an online application to get free quotes from top-rated U.S. insurance companies.

To get through the application quicker, have this information ready:

  • Workforce details, such as the number and types of employees
  • Current and projected revenue
  • Business partnerships
  • Insurance history and prior claims
  • Commercial lease insurance requirements

A licensed insurance agent can answer your questions and help you find the right coverage to meet your business insurance needs. Small business owners can get their certificate of insurance shortly after they apply for quotes and pay for a policy.

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