Business Insurance in Missouri

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Get the right commercial insurance for your Missouri business

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Learn about Missouri's business requirements

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Which insurance policies are recommended for Missouri businesses?

Small businesses in Missouri most often buy these types of insurance.

General liability insurance icon

General liability insurance

This policy is important for all Missouri businesses. It covers common risks, including customer injuries. Most commercial leases require this business liability insurance.

BEST FOR
  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Workers’ compensation insurance icon

Workers’ compensation insurance

Workers’ comp insurance is required for Missouri businesses that have five or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
Commercial auto insurance icon

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 vehicles
  • Theft of a business vehicle
  • Damage to a company vehicle
Business owner’s policy icon

Business owner's policy

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

BEST FOR
  • Customer bodily injuries
  • Damaged customer property
  • Damaged business property
Professional liability insurance icon

Professional liability insurance

This policy, also called errors and omissions insurance (E&O), protects Missouri businesses that provide professional services or advice. It covers lawsuits related to work performance.

BEST FOR
  • Work mistakes and oversights
  • Professional negligence lawsuits
  • Late or incomplete work
Errors and omissions insurance icon

Errors and omissions insurance

E&O, sometimes called professional liability insurance, is common with professional services in Missouri. It can cover the cost of lawsuits related to your work performance.

BEST FOR
  • Missed deadlines
  • Accusations of negligence
  • Errors and oversights
Cyber insurance icon

Cyber insurance

This policy covers financial losses from data breaches and cyberattacks. It's recommended for Missouri businesses that handle credit card numbers and other sensitive data.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Data recovery
Umbrella / excess liability insurance icon

Commercial umbrella insurance

Umbrella insurance boosts coverage on your general liability insurance, commercial auto insurance, and employer's liability insurance when the underlying policy reaches its limit.

BEST FOR
  • Customer lawsuits
  • Auto accident lawsuits
  • Employee injury lawsuits
Commercial property insurance icon

Commercial property insurance

This policy covers the value of a business's physical structure and its contents, such as inventory, equipment, and furniture. Bundle it with general liability coverage in a BOP for savings.

BEST FOR
  • Fire
  • Theft and vandalism
  • Weather damage
Looking for different coverage? See more policies.

How to get insurance for your Missouri business

View video transcript.

We're on top of your small and medium-sized business insurance needs. We'll help you find policies that protect what you've worked so hard to build. Start here.

Tell us about yourself. Questions? We've got your back. The info you share is secure. We'll double-check it and a pro with experience in your field will be in touch.

Fast? You can compare quotes from leading insurance providers in seconds and get a certificate of insurance the same day.

Always online, always on your side. Helping protect your business.

When you are ready to get insurance for your Missouri business, you can complete Insureon's easy online application to get quotes from top-rated insurance companies.

Which business insurance policies are required in Missouri?

State laws can affect which business insurance coverage you need. These policies are required everywhere in Missouri, from St. Louis to Kansas City.

Purple check mark

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-related injuries and illnesses. It also provides disability benefits to injured Missouri workers.

Purple check mark

Commercial auto insurance

All business-owned vehicles in Missouri must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.

Missouri's minimum requirements for auto liability insurance are:

  • $25,000 per person bodily injury liability
  • $50,000 per accident bodily injury liability
  • $25,000 per accident property damage liability
  • $25,000 per person uninsured motorist coverage
  • $50,000 per accident uninsured motorist coverage

Trucking companies may need additional coverage to comply with regulations.

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

How much does small business insurance cost in MO?

A small business owner calculating their small business insurance payments

Commercial insurance can be affordable for small business owners. Average costs in Missouri are:

General liability: $44 per month
Workers' comp: $64 per month
Professional liability/E&O: $56 per month

Factors that affect business insurance costs include:

  • Your type of business
  • Business income
  • Number of employees
  • Location, such as Kansas City or Jefferson City
  • Policy limits and deductibles

FAQs about Missouri business insurance

Review answers to frequently asked questions about Missouri insurance.

How do I get a certificate of insurance for my business?

Insureon's licensed agents can help you find policies that fulfill Missouri's requirements and protect against financial loss. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

Can my company be held liable for a data security breach?

Yes – that's why cyber insurance is so crucial. Hackers are three times more likely to target small businesses, as they often have fewer resources to combat a threat.

Missouri's data breach laws require businesses to report security breaches to affected residents, and the costs can escalate quickly. Cyber liability insurance lessens the financial impact by paying for notification costs, legal fees, and fines.

Does my industry affect state business insurance requirements?

Yes, your state may have special requirements for business insurance and bonds for your industry. You may also need a license depending on the work you do.

Contractors often need to carry general liability insurance or surety bonds to perform certain types of work. Having the right insurance and bonds helps you comply with state licensing requirements.

Real estate agents and brokers and other professionals who offer advice or services sometimes need errors and omissions insurance to get licensed in their state.

Note that cities and counties may have their own laws, in addition to state laws.

How can I save money on Missouri small business insurance?

As with any purchase, shopping around is one of the best ways to find an affordable option. With Insureon, you can compare quotes from top-rated providers by filling out a free online application.

Other ways to save include bundling policies for a discount, and choosing less expensive coverage options, such as lower limits or a higher deductible. Learn more about how to find cheap business insurance.

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