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.
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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.

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Commercial auto insurance

All business-owned vehicles in Missouri must be covered by commercial auto insurance. Missouri requires a minimum of $10,000 property damage liability per accident and $25,000 personal injury protection.

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

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How much does small business insurance cost?

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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
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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.

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