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 assist 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

A 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

What is cost of Contractors insurance 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.

* This information is a general guide only and does not take into account your objectives, financial situation or needs. Always check with your local licensing board when getting or renewing your [profession] license to ensure you are meeting their current licensing requirements.
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
21st Century QHC agency for Home care insurance company.
Tie J.
1685493503
Andrea Mcgee was great to work with
Audra M.
1685026766
Customer representative extremely professional and courteous!
DJ Jeff B
1684947758
I wanted to add another letter to one word on my street, and the website allows me to do that, and it took less than 5 minutes for them to approve the amendment. How wonderful, I love their service very much.
Ema F.
1684916946
Representative was very kind, helpful, and educated me well. I appreciated today's experience.
Tina P.
1684189305
Thanks for the overall service. The rates were great, and they were able to cover the services that was needed. Please call BIZinsure for your commercial needs.
Cheequanda M.
1682790376
Responsive and easy
Crime R.
1681773010
I have used BizInsure for 2 years and they make the renewal process quick and easy.
hospicecare 4.
1681475617
Excellent business and great people! They have out done our prior insurance of 23 years! Keep up the good work!
James F
1681249188
Very satisfied with the application process, Andrea was very helpful and friendly. Great service ! Thank you !
Don C.
1681232420
No waiting !!!
Renee G.
1681218692
Very good company to do business with.
Jeff M.
1681160334
Teven Lous was wonderful to work with. Thank you
Valerie K.
1680728932
js_loader

Popular Searches

Google Rating
4.5
Based on 121 reviews
×
js_loader