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Starting a business in Missouri opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your Missouri business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
Whether you’re looking to satisfy Missouri requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.
Protecting your Missouri business against liability lawsuits is easy with General Liability Insurance. Bodily and personal injury liability coverage and liability coverage for damage to the property of others are among the essential coverages every business needs.
Protect your business from risks that can damage your building, equipment, or inventory with Commercial Property Insurance. Rest easy knowing that common risks such as fire, theft, vandalism, and water damage are all covered up to the coverage limits you choose.
Most businesses in Missouri are required to carry Workers' Compensation coverage. This essential protection pays toward medical expenses for work-related injuries, as well as lost wages for workers injured on the job.
Commercial Auto insurance is required in Missouri, similar to personal auto requirements, but coverage is specific to business use of vehicles, including cars, trucks, and vans. Liability coverage for bodily injury and property damage are available, along with collision and comprehensive coverage.
Product Liability Insurance protects your business against claims and lawsuits that result from the products your Missouri business manufactures or sells. Bodily injury or property damage claims due to defects or malfunctions in products are covered with this important option.
If your Missouri business sells, serves, or assists with the purchase of liquor products, you may be held liable for the actions of patrons who consume alcohol you provide. Liquor Liability Insurance provides coverage for bodily injury and property damage claims if you're found liable for damage or injuries.
Workers' Compensation coverage is required for most businesses in Missouri. Additionally, if your business operates vehicles, Commercial Auto liability coverage is also required.
Insurance rates vary depending on a number of factors, including the type of insurance and the coverage limits you choose for your Missouri business. Missouri requires that employers with 5 or more employees provide Workers' Compensation coverage and that vehicles used in the business carry state minimum limits for liability coverage.
Professional Liability Insurance is a wise choice if you offer advice to others. For example, if you offer legal, financial, or health advice, Professional Liability Insurance can help protect your Missouri business from liability lawsuits due to the advice offered, errors, or ommissions.
Some insurance types are required by law in Missouri, such as Workers' Compensation or Commercial Auto Insurance. Other types of insurance may be optional, but without insurance coverage for other risks to your business, any losses or liability can severely affect your business financially.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business: