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Missouri state law requires technology 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 technology businesses in Missouri must be covered by commercial auto insurance. Missouri requires a minimum of $10,000 property damage liability per accident and $25,000 personal injury protection.
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.