Business Insurance in Missouri

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Recommended insurance policies for small businesses in Missouri

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
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
Cyber liability insurance icon

Cyber liability 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
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
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
  • Partial lost wages
  • 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
Looking for different coverage? See more policies.

Missouri business insurance requirements

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

Blue 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.

Blue 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 (BOP).

How much does small business insurance cost?

Business woman calculating costs of insurance.

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

  • Type of business
  • Business income and location
  • Number of employees
  • Types of insurance purchased
  • Policy limits and other coverage options
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

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

In Missouri, insurance agencies and agents 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.

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