Business Insurance in Missouri

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What are the requirements for small business insurance in Missouri?

State laws can affect which insurance policies you need for your small business. These policies are required for Missouri businesses.

Workers' compensation insurance

Missouri state law requires businesses with five or more employees, full-time or part-time, to carry workers’ compensation insurance. In the construction industry, businesses with even one employee must provide workers’ comp. This policy covers medical bills for work injuries and illnesses.

Commercial auto insurance

All business-owned vehicles in Missouri must be covered by commercial auto insurance.

Missouri requires a minimum of:

Bodily injury liability: $25,000 per person / $50,000 per accident
Property damage liability: $25,000 per accident
Uninsured motorist coverage: $25,000 per person / $50,000 per accident

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

Recommended insurance policies for small businesses in Missouri

General liability insurance

This policy is important for all Missouri businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.

BEST FOR

Customer injuries at your business
Damaged customer property
Libel or slander lawsuits

Professional liability insurance

This policy, also called errors and omissions insurance, protects professionals whose work depends on their expertise. It covers client lawsuits over mistakes and missed deadlines.

BEST FOR

Work mistakes and oversights
Professional negligence lawsuits
Late or incomplete work

Cyber liability insurance

This policy helps Missouri businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR

Data breach lawsuits
Client notification expenses
Fraud monitoring costs

Business owner's policy

This policy bundles property insurance and general liability insurance in one plan. It's often the most cost-effective type of commercial insurance for a Missouri business.

BEST FOR

Customer injuries
Damaged customer property
Damaged business property

Workers’ compensation insurance

Workers’ compensation insurance is required for Missouri businesses that have five or more employees. It can cover medical costs for work injuries and illnesses.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Commercial auto insurance

This policy is required for business-owned vehicles in Missouri. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR

Accidents involving business-owned vehicles
Theft of a business-owned vehicle
Damage to a company vehicle

Looking for different coverage? See more policies.

How much does small business insurance cost?

Business woman calculating costs of insurance.

Commercial insurance can be affordable for a small Missouri business. Factors that influence the cost include:

Your industry and risk
Coverage limits
Location
Number of employees

View Small Business Insurance Costs

Insureon specializes in Missouri business insurance

In Missouri, insurance agents and agencies are licensed by the Missouri Department of Insurance. Insureon is licensed as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 8048889). Verify our licensure with the National Association of Insurance Commissioners: select Missouri, Licensee, and Business Entity, then enter our NPN or license number.

What our customers are saying

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