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Insurance cover for small businesses in Missouri
General Liability Insurance protects your small business against claims of third-party bodily injury and property damage, reputational harm and advertising injury. It covers medical bills, repair costs & legal fees.
Liquor Liability Insurance protects a small business that manufactures, sells or serves alcohol. Small business owners are protected from claims that occur when a customer drinks too much and injures himself or someone else.
Workers Compensation covers your employees' medical costs and lost wages while recovering from a work-related injury or illness. The employee gives up the right to sue your company in return for receiving cash and benefits from Workers Compensation. In some states it’s mandatory for businesses!
Product Liability insurance covers your business if you need to recall one of your products. It covers your costs for retrieving the defective product from the manufacturer or seller to prevent any further bodily injury or property damage.
Commercial Auto Insurance covers your cars, trucks, and vans used in your business. It covers the costs from vehicle damage in collisions, theft, vandalism and weather damage. It also covers medical expenses for to injured parties.
Commercial Property Insurance will provide coverage for your properties in case damage renders them impossible to rent or lease.
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.
Guide to commercial insurance by state
Insurance laws and requirements may vary state by state. Click on your state to discover the insurance you will need for your small business: