General liability covers common risks for small businesses in Missouri, including customer property damage and injuries. Commercial leases often require this policy.
This policy is also called professional liability insurance. It protects professionals against lawsuits over mistakes, missed deadlines, and oversights.
This policy protects Missouri small businesses against data breaches and cyberattacks that affect your business or a client.
This policy bundles property insurance and general liability insurance. It's often the most cost-effective type of commercial insurance for a Missouri small business.
Workers’ compensation insurance is required for Missouri small businesses that have five or more employees. It can cover medical costs for work injuries.
This policy is required for vehicles owned by Missouri small businesses. It covers injuries and property damage in an accident, along with other types of damage.
Missouri state law requires businesses with five or more employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.
Vehicles owned by small businesses in Missouri must be covered by commercial auto insurance.
Missouri requires the following levels of coverage:
Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.
Our agents are experts in insurance for Missouri technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance is licensed by the Missouri Department of Insurance 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.