Missouri Business Insurance

Customized protection for your Missouri business

As a Missouri business owner, you should consider carrying business insurance to protect your livelihood from the financial burden that often results from a wide range of accidents and mishaps. Customer slips and falls and employee injury are a few of the many incidents that can disrupt your operations and threaten your business assets.

Small businesses account for over 99.4% of all Missouri businesses and employ over 1.1 million people, per the U.S. Small Business Administration (SBA), which makes them an integral part of the state’s economy. Businesses with five or more employees are required by state law to carry workers’ compensation insurance.

Getting customized business insurance for your Missouri business is simple with the Progressive Advantage® Business Program. If you need workers’ comp, general liability or a business owners policy (BOP), we’ll set you up with coverage that meets your needs.

Types of MO business insurance

General Liability

This is the most common business insurance coverage, and nearly all businesses in Missouri should have it. It protects against third-party bodily injury and property damage, as well as personal and advertising injury.

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Commercial Auto

This coverage protects against damage to your vehicles and trailers, as well as injuries or property damage related to their use. Your personal auto policy doesn’t cover vehicles while they’re being used for business reasons.

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Workers' Compensation

Businesses in Missouri are required to have workers’ comp insurance if they have five or more employees. Workers’ compensation insurance helps pay for expenses related to employees becoming injured or ill while working for you.

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Business Owners Policy (BOP)

A BOP combines property and liability coverage into one easy-to-manage policy. It’s a great option for small to medium-sized businesses that rent or own commercial property, such as a storefront, warehouse or office building.

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Professional Liability

Missouri businesses that offer professional services should consider this coverage. It protects businesses from claims of professional negligence, both actual or alleged, and helps pay for defense costs. It’s also known as errors and omissions insurance (E&O).

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Cyber Insurance

This protects against incidents like data breaches and cyber attacks. It includes first-party and third-party protection for things like investigative services, data recovery and legal costs. Businesses that store or manage customer data, like credit card information, typically need this coverage.

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How much does business insurance cost in Missouri?

The cost of business insurance in Missouri is based on a variety of factors, including your business’s coverage needs, location and number of employees. For example, a business based in the Ozarks with 15 employees will have a different cost than one in Kansas City with five employees.

Another cost factor is the level of risk associated with the type of work that’s done. Businesses that are exposed to more risk should expect to pay more for insurance than those that are exposed to less. For example, a tree trimmer whose work is mostly done high off the ground is exposed to more risk than a landscaper who only works at ground level. The tree trimmer can therefore expect to pay more for coverage.

Learn more about the factors that affect your business insurance rate.

Missouri business insurance requirements

Workers’ compensation insurance is required by Missouri businesses that have five or more employees. Additionally, general contractors could be responsible for providing workers’ comp to any subcontractors they hire if the subcontractor doesn’t have their own policy.

While workers’ comp is the only business insurance coverage required by law, it’s a good idea to consider other types of protection for your business. You might find that many business partners will require that you have general liability insurance as part of their business contracts.

Discover more about Missouri’s workers’ compensation requirements.

Resources for Missouri small business owners:

Missouri Small Business Development Center (Missouri.gov)
Missouri Small Business Startup Guide (MO.gov)
Missouri Small Business Information (MO.gov)
2023 Missouri Small Business Profile (U.S. Small Business Administration)

Missouri professions we insure

We help small business owners from a wide variety of industries, including these common professions:

Browse more examples of professions we insure.

Why choose Progressive?

Options

We can help you secure coverage at any stage of your business’s development with the flexibility to adjust your policy as your business changes. Our agents will work with you to make sure you’re getting protection that meets both your needs and budget.
Experts

As the #1 commercial auto insurer in America^*, you can trust us with all your business insurance needs. Our team of specially trained, in-house agents can assist you every step of the way to make sure you’re getting the best coverage for your business.
Convenience

There are several ways to get a quote, whether you need a single Missouri policy or a combination of business insurance coverages. Simply start a quote online or call us to speak with an agent.