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Small Business Insurance in Missouri

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Frequently Asked Questions

What types of insurance do I need to buy in Missouri?

Workers' Compensation coverage is required for most businesses in Missouri. Additionally, if your business operates vehicles, Commercial Auto liability coverage is also required.

What is the minimum insurance cost for my business in Missouri?

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.

Do I need Professional Liability Insurance in Missouri?

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.

What if my business doesn't have insurance in Missouri?

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.

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(646) 844-9933