Small Business Insurance in Missouri

Get business insurance with optimized coverage to meet your exact needs

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Better, Regardless of Your Size

  • Access Your Missouri Business Insurance From Anywhere.

    CoverWallet makes it easy to access your account even when you're out of the office. Whenever you need a proof of insurance simply access your account via our mobile-friendly website. Managing insurance policies for your Missouri business couldn't be simpler.

  • Get Fast Answers to Your Missouri Business Insurance Questions

    Got insurance-related questions for your Missouri business? Our team of experienced representatives can answer all your questions. Connect with us online or give us a call. It's that easy.

  • Stay Compliant in Missouri by Meeting State Insurance Requirements

    Provide MO state-required Workers' Compensation coverage for your employees. If your business operates vehicles, Commercial Auto Insurance protects your vehicles and protects your business against liability. CoverWallet can assist with both types of insurance.

  • Plans That Meet Your Missouri Business Needs

    Get only the coverages you need and none of the add-ons you don't need. With insurance plans customized to your Missouri business, proper coverage doesn't have to cost a bundle. Our plans start at just $29 per month.

Coverage Plans for All Your Needs

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.

BASIC

Essential coverage for your Missouri business

General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
39
Month
Instant quote »

All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records
Get STANDARD plan

PRO

When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

All standard plan benefits and:

  • Coverage for work-related accidents and diseases and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
    • Legal fees
Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

From
___
Month
Instant quote »
  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

We've Got You Covered with Coverage You Need

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.

General Liability

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.

Commercial Property

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.

Workers Compensation

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

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

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.

Liquor Liability

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.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

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.

Peace of Mind, At Your Fingertips

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.

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John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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References for Small Businesses in Missouri

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:

SBA Office of Kansas City, Missouri

1000 Walnut Suite 500, Kansas City, Missouri, 64110
Mon through Fri from 8:00 AM to 4:30 PM
(816) 426-4900
Visit the website

Missouri Department of Insurance

301 W. High St., Room 530, Jefferson City, Missouri, 65101
Mon through Fri from 8:30 AM to 4:30 PM
(573) 751-4126
Visit the website