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.
All business-owned vehicles in Missouri must be covered by commercial auto insurance.
Missouri requires a minimum of:
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.
This policy is important for all Missouri businesses. It covers common risks, including customer property damage and injuries. Most commercial leases require this coverage.
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.
This policy helps Missouri businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
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.
Workers’ compensation insurance is required for Missouri businesses that have five or more employees. It can cover medical costs for work injuries and illnesses.
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.
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.