This policy is important for all Missouri businesses. It covers common risks, including customer injuries. Most commercial leases require this business 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.
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.
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.
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.
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.
State laws can affect which business insurance coverage you need. These policies are required everywhere in Missouri, from St. Louis to Kansas City.
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.
Missouri's minimum requirements for auto liability insurance are:
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).
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.