General Contractor Insurance in Missouri

  • Compare quotes in minutes, with no obligation to buy
  • Buy online and receive coverage confirmation – instantly
  • Access only top-quality insurance companies (A-rated or better)

Get instant quotes

Why do contractors need insurance in Missouri?

The Show-Me State largest industry is construction. In the construction industry there are over 52,763 employees.

Construction sites are often dangerous locations to work in. An incident of a minor nature can result in a huge liability for your small business regardless of whether you are working on residential or commercial construction projects. Contractor insurance for Missouri companies helps to prevent accidents, unexpected delays, or other issues that can ruin the hard work you’ve put into it.

Contractor insurance can be used to describe the various types of coverages that general contractors can choose, including:

  • General Liability insurance
  • Business Owner’s Policy
  • Workers’ Compensation insurance

Find out more about the contractor insurance available in Missouri and how BizInsure can help you to determine the right insurance for your needs.

Who needs contractor coverage in Missouri?

A lot of companies have insurance policies in place to protect their businesses and personal finances. The coverage provided by General Liability insurance and other types of insurance could provide an essential safety net for your business and you.

There is a possibility that specific kinds of coverage are required to conduct business with a specific client (a requirement that is often included in business contracts). Workers’ Compensation insurance in Missouri is mandatory for any company that has more than one employee.

Click on your job to learn about your insurance options. You can also start a personalized quote

Customer service icon

Get in touch with our licensed agents

You can relax when you are confident that the insurance you choose is suitable for you at a price that’s affordable.
BizInsure’s knowledgeable and licensed agents are here to help you find the right product.

What are the most common insurance policies for contractors in Missouri?

There are a variety of insurance for contractors that Missouri tradespeople typically consider. These policies may help you to manage the most common risks that contractors face while working.

General Liability insurance

Also referred to as Commercial General Liability (CGL) or “slip and fall coverage”, this insurance can protect your business against bodily injury or property damage lawsuits from outside parties.

Business Owner’s Policy

Business Owner’s Policy (BOP) is a convenient package of insurance that protects your business against the common risks it faces every day. The BOP product includes various coverages that may suit the unique requirements of your small business. Insurance included in a BOP can vary but usually they include protection for typical small business risks such as property damage, business interruption and liability.

Workers’ Compensation insurance

Workers’ Compensation insurance protects your company and its employees. If any of your employees get injured at work or are ill, this type of insurance will cover their medical bills. It will also cover some of their lost income if they’re unable to work because of the injury, as well as rehabilitation or physical therapy to transition the employee back into the workplace.

Missouri law states that employers are required to obtain Workers’ Compensation coverage if they have 5 or more employees. Employers who are in the construction business must carry workers’ compensation coverage if there is one or more employees.

What does Missouri contractors insurance cover?

Contractors’ insurance can protect your business and you from a variety of risks. Depending upon the type of coverage that you select, events like:

  • Protection for third party injury and property damage
  • Unexpected disruptions to business (Business Owner’s Policy)
  • Equipment breakdown
  • Employee injuries and illnesses at work

How much does contractor insurance cost in Missouri?

It is possible that you don’t be aware of how much Missouri contractor insurance is when you’re just beginning your journey.

The costs of business insurance are different because insurers have to consider a variety of factors. The price you pay for your company could be based on factors such as:

  • Select the appropriate type of Insurance
  • Your annual income (size of your business)
  • How many individuals will be covered by the policy
  • Your claims history that are based on your past
  • The coverage level you want

How to get general insurance for business contractors in Missouri?

BizInsure can help you protect your contractor company.

You can compare various quotes in less than 10 minutes. Choose the policy that most suitable policy that suits your needs and budget. The policies will be sent to your inbox email.

Need some assistance? We’re here to assist!

Compare multiple quotes today to find the most suitable coverage for your Missouri general contractor company.

As with any insurance, coverage will be subject to the terms, conditions and exclusions contained in the policy wording. The information contained on this guide is general only and should not be relied upon as advice. The number of quotes provided varies between products, occupations and other underwriting factors determined by the insurers.
© Copyright 2023 BizInsure LLC, 2015 ALL RIGHTS RESERVED BizInsure LLC; CA DBA: Simple, Smart, BizInsure Insurance Agency LLC; NY DBA: BizInsure Services LLC; NH DBA: Simple, Smart, BizInsure Insurance Agency; PA DBA: BizInsure Services LLC. 2950 Buskirk Ave Suite 300, Walnut Creek CA 94597. License #0H81929
bizinsurance makes purchasing Business Insurance...SIMPLE!
Andrea W.
Great quality of Service ,faster and convenience way to pay at most. Thank you for your Service to my Healthcare Facility .
Quick and easy!!!!
Great service! Easy process and very informative representative. Andrea was great and very patience with our process. I would recommend using them!!
Terrance R.
Always and easy process. Thanks!
Gerald S.
Renewal was quick and easy online
Angelita K.
I had a great experience working with Andrea from BizInsure. She was extremely knowledgeable, helpful, and responsive throughout the entire process. She guided me through the different options available and helped me find the perfect home care professional liability insurance policy that suited my needs. Her professionalism and expertise made the entire experience smooth and hassle-free. I highly recommend working with Andrea and BizInsure for all your insurance needs.
Juliette S.
Easy to submit an application and to get quotes
Simone S.
I had the most pleasant prompt and professional experience of my life with Bizinsure. Everything was completed in record time, at an unbelievable cost…and my certificate of Insurance was promptly emailed to me. Most of all it was effective immediately. No hassle no back & forth, just great service highly recommend to all small businesses.
Marcia S.
advanced U.
Great service. Very professional and cordial. Thanks
Jeremiah U.
BizInure has been a great company for our insurance needs. I wish customers services was 24/7, that would make it a five stars
Novilette L. J.
Easy to navigate what you need. Always notify ahead of renewal!
Athena T.
This is the best company I have ever worked with. They are professional and get you exactly what you need. I highly recommend them!
Jim P.
this is really easy
Riaz R.
Andrea was very useful and professional. I will be recommending Biznsure to my friends that need business insurance. Keep up the good work. I wish the agency also offers auto insurance and whenever you do I will be one of the first to sign up as sign of my appreciation.Mike Okonkwo.
Mike O
Kalab was excellent. Great, great Agent. Every step was organized and well planned. I WILL recommend your firm to anyone. Thank you...
Easy to renew Policy
Plain S.
Great total experience. The agent was professional, knowledgeable,and a pleasure to work with. The fastest business insurance purchase I've ever experience. I highly recommend Bizinsure.
Tony W.
Communication was excellent and the process was easy.
Jessie R.
I have been using Bizinsure for several years and find the ease of renewing as well as generating additional insured certificates to be easy and useful, especially as a sole prop. thank you
Michelle C.
Kaleb tailored the right coverage to our business. Customer service was good and gave great understanding of coverage. Thank you from Goleda's Gentle Homecare LLC
Aneesah M.
Supreme A.
Easiest & fastest online quote and purchasing experience out there. Inside of 10 minutes I had a quote, payment draft, and policy in force... and at the most competitive GL rates I found.
Rusty H.
very quick and prompt service.
Sally Jo W.
caleb was great in helping me navigate thecorrect liabilty insurance for my company
Lindsay Erin P.
Friendly fast service I recommend you to all vendors
Terry R.
Kemi S.
Great Customer service and easy renewal process!!!! I would refer this company to anyone.
Chris H.
Great company easy to work with, Andrew was very helpful,you can call him any time he is ready to listen and help
Olu A.
Good customer service indeed
Google Rating
Based on 214 reviews