Missouri General Liability Insurance Policy Information

Missouri General Liability Insurance. MO general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.
As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.
Missouri general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in MO.
What Does General Liability Insurance Cover?
Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Missouri general liability insurance include:
- Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
- Advertising errors: This protects your MO business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
- Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
- Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
- Medical payments: Missouri general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
- Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With MO general liability insurance, such issues are adequately handled.
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MO General Liability Insurance Cost
The cost of your Missouri general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.
In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.
MO General Liability Insurance By Industry
Small Business
Protect your company and employees with MO commercial insurance. Read informative articles on Missouri small business insurance coverages - and how they can help shield your company from legal liabilities.
- Business General Liability
- Business Liability MO
- Business Owners Policy (BOP)
- Certificate of Insurance
- CGL
- Comprehensive General Liability
- Directors and Officers Liability
- Employers Liability
- Employment Practices Liability
- General Liability
- Home Based Business
- Independent Contractor
- Liability Insurance Certificate
- Liability Insurance Missouri
- LLC
- Professional Liability
- Self-Employed
- Small Business
- Umbrella
Construction Contractors
Learn about Missouri construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your MO construction business from lawsuits.
- Building Contractors
- Concrete Contractors
- Construction Contractors
- Demolition Contractors
- Excavation Contractor
- Foundation Layers
- Framing Contractor
- General Contractors
- Masonry Contractor
- Mechanical Contractors
- Millwright Contractors
- Paving Contractors
- Roofing Contractor
- Sewer Contractors
- Steel Erection Contractors
Contractors and Home Improvement
Learn about Missouri contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your MO business from lawsuits.
- Air Conditioning Systems Installation Repair
- Appliance Repair And Service
- Blacksmith & Metal Workers
- Builders Risk
- Building Cleaning & Maintenance Services
- Cabinet Installers
- Cable And Satellite TV Installer
- Carpenters
- Chimney Sweep
- Contractor Liability
- Curtain Cleaners
- Deck Builders
- Door And Window Installers
- Dryer Vent Cleaning
- Drywall Contractor
- Electrical Contractors
- Environmental Remediation Contractors
- Fence Installation
- Fire Sprinkler Contractors
- Fire & Water Restoration Contractors
- Flooring Contractor
- Garage Door Installer And Repair
- Glass Contractor
- Glazier
- Gutter Installation And Repair
- Handyman
- House Cleaning
- HVAC Contractor
- Insulation Contractor
- Janitorial Cleaning Services
- Landscaping
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Locksmith
- Painters
- Paperhanging Contractors
- Plastering And Stucco Contractor
- Plumbing
- Pressure Washing Contractors
- Propane And Fuel Dealers
- Rug, Upholstery & Carpet Cleaning
- Sandblasting Contractors
- Security Alarm
- Septic Tank Cleaning
- Siding Contractor
- Sign Installation And Repair
- Solar Panel Installers
- Snow Plow
- Stone And Tile Installer
- Subcontractor
- Swimming Pool Contractor
- Swimming Pool Maintenance & Service
- Tool Grinding & Repair
- Tree Surgeon
- Tree Trimming
- Tank Cleaners
- Upholstery Shop
- Waste Haulers & Garbage Collection
- Water Well Drilling
- Welding Contractor
- Wildlife & Pest Control
- Window Cleaning
Commercial Property
Read up on Missouri commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.
- Apartment Building
- Business Interruption
- Commercial Flood
- Commercial Property
- Condo Association
- Duplex Rental Property
- Dwelling
- Equipment Breakdown Protection
- Homeowners Association
- Inland Marine
- Manufacturing And Mercantile Rental Property
- Mobile Home Park
- Non-Residential Building Operators
- Office Buildings
- Property
- Shopping Center & Strip Mall
- Vacant Land
- Vacant Property
Warehouse and Storage
Learn about Missouri warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.
Professional Services
Get informed about Missouri professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.
- Accounting
- Answering Service
- Architects
- Attorney Lawyer
- Auditor
- Bookkeeping
- Business Consulting
- Commodity Broker
- Corporate Wellness
- Court Reporter
- Debt Collection Agency
- Detective Agency
- Draftsman
- Electrical Engineering
- Engineering
- Environmental Consultant
- Insurance Agents And Brokers
- Executive, Career & Life Coaching
- Executive Search Firm
- Expert Witness
- Financial Planner
- Financial Services
- HR Consultant
- Insurance Agents And Brokers
- Interpreter
- Mediator - Arbitrator
- Medical Billing
- Music, Drama & Dance Therapy
- Notary
- Office Machine Repair and Maintenance
- Piano Tuner
- Project Management
- Stock Brokers
- Surveyor
- Temporary Staffing
- Tax Preparer
Advertising, Marketing and Media
Learn about Missouri media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.
- Advertising Agency
- Call Center
- Graphic Arts Graphic Designers
- Market Research Firm
- Marketing Consultant
- Public Relations
- Search Engine Services SEO
- Social Media Consultant
Real Estate
Learn about Missouri real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.
- Corporate Office
- Home Inspection
- Mortgage Broker
- Property Manager
- Real Estate Agents
- Real Estate Appraiser
Retail
Read valuable Missouri retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.
- Adult Novelty
- Antique Dealer
- Appliance & Electronics Store
- Art Gallery
- Bicycle Shop
- Boat Dealers
- Book Store
- Bridal Shop
- Candy Confectionery Store
- Car Wash
- Carpet Store
- Clothing Store
- Collectibles Memorabilia Store
- Convenience Store
- Cosmetics Store
- Dry Cleaning
- Equipment Rental
- Farm Equipment Dealers
- Florist
- Funeral Home
- Furniture Store
- Gas Station
- Gift Store
- Hardware Store
- Home Improvement Store
- Hotel Motel
- Ice Cream Shop
- Jewelry Store
- Lingerie Store
- Luggage Store
- Meat Market & Butcher Shop
- Medical Marijuana Dispensary
- Music Store
- Newsstand
- Office Supply Store
- Paint & Wallpaper Store
- Pawn Shop
- Pet Store
- Pharmacy Liability
- Plumbing Supplies Fixtures Store
- Scrap Metal Dealers
- Sewing Store
- Shoe Store
- Sporting Goods Store
- Stationary Store
- Thrift Store
- Ticket Agency
- Tobacco Store
- Toy Store
- Travel Agency
- Tuxedo And Formal Wear Rental Store
- Vape
- Vending Machine Operators
- Wig Store
Auto Sales, Service and Repair
Read about Missouri auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.
- Auto Dealers
- Auto Detailing & Mobile Car Wash
- Auto Dismantlers
- Auto Service Repair
- Auto Supply Parts Store
- Car Rental
- Car Wash
- Gas Station
- Motorcycke Dealers
- Parking Lot
- RV Dealers
- Snowmobile Dealers
- Tire Store
- Truck Rental
- Used Car Dealer
Health and Beauty
Learn about Missouri health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.
- Acupuncture
- Barber Hair Dresser
- Beauty Salon
- Chiropractic
- Cosmetology
- Day Spa
- Diet Nutrition Services
- Esthetician
- Massage Therapy
- Medical Spa
- Nail Salon
- Permanent Cosmetics And Microblading
- Personal Trainer
- Tanning Salon
- Tattoo
- Weight Loss Center
Information Technology and Internet
Learn about Missouri IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.
- Application Development
- Computer Electronic Repair
- Computer Programming
- Computer System / Network Developer
- Cyber Liability
- Data Breach
- eCommerce
- Internet Business
- IT Consultant
- Online Store
- Software Developer
- Technology Services
- Telecommunications Insurance
- Website Design
Food and Drink
Learn about Missouri restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.
- Bagel Shop
- Bakery
- Bar
- Beer Distributor
- Brewery
- Catering
- Coffee Shop
- Concession Stand
- Delicatessen
- Farmers Market
- Grocery Store
- Liquor Liability
- Liquor Store
- Nightclub
- Pizzeria
- Restaurant
- Supermarket
- Winery
Medical and Dental
Discover Missouri business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.
- Ambulatory Surgical Center
- Art Therapy
- Assisted Living Facilities
- Audiology
- Dental Lab
- Dental Office
- Diagnostic Imaging Centers
- Healthcare Facilities
- Home Medical Equipment Dealers
- Hypnosis
- Malpractice
- Marriage & Family Therapy
- Medical Laboratories
- Medical Marijuana Dispensary
- Medical Practice
- Medical, Surgical & Hospital Supply Store
- Mental Health Counseling
- Nurse
- Occupational Therapy
- Ophthalmologist
- Optician
- Optometrist
- Physicians Office
- Podiatrists
- Psychiatrists
- Psychology
- Speech Therapy
- Skilled Nursing Facilities
- Substance Abuse Counseling
- Veterinarian
Manufacturing
Learn all about Missouri manufacturing insurance. Manufacturers face many unique risks such as product libility and/or product recall exposures due to the nature of their business operations.
- Canned Fruit & Vegetable Manufacturers
- CBD Oil And Hemp
- Machine Shop
- Manufacturing
- Product Liability
- Publishers
Wholesale and Distribution
Read informative articles on Missouri wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.
Education, Colleges, Universities & Schools
Learn about Missouri commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.
- Art School
- Beauty School
- Charter School
- Colleges, Universities & Professional Schools
- Educational Services
- Language School
- Tutoring
Sports and Fitness
Learn about Missouri sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.
Children and Pets
Discover what Missouri commercial insurance policies cover for children and pet related businesses.
Miscellaneous
Find informative articles on miscellaneous MO businesses including the types of commercial insurance they need, costs and other considerations.
- Adult Daycare
- Agriculture, Forestry, Fishing & Hunting
- Bail Agent
- Camp
- Cemetery
- Check Cashing
- Control of Well
- Employment / Staffing Agency
- Enameling
- Engraving Business
- Facility Support Services
- Helicopter
- Logging
- Mail Order
- Marina
- Municipalities
- Oil And Gas Lease
- Personal Concierge
- Photofinishing Lab
- Pollution
- Portable Sanitation
- Printers & Publishers
- Private Water Districts
- Process Server
- RV Parks & Campgrounds
- Security Guard
- Taxidermy
- Township
- Unmanned Aerial Vehicles (UAV) Drone
- Waste Disposal Landfill
- Wedding Planner
Non-Profit
Find useful articles on business insurance for Missouri non-profit 501(c)(3) organizations, charities and associations.
- Animal Shelter & Pet Rescue
- Charity
- Church
- Credit Union
- Fraternal Organization
- Labor Union
- Nonprofit
- Parent Teacher Organization
- Public Administration
- Social Work Services
- Youth Groups
Arts and Recreation
Read up on Missouri arts and recreation commercial insurance.
- Artist
- Dance Studio
- Disc Jockey DJ
- Entertainers And Performers
- Event Planning
- Fairs & Fairgrounds
- Film Production
- Interior Decorator
- Interior Design
- Photo Booth
- Photographer
- Recording Studio
- Talent Agency
- Wedding And Special Event
Agribusiness
Learn about MO agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.
- Aquaculture Fish Farm
- Commercial Fishermen
- Crop
- Dairy Farm
- Equine And Horse Farm
- Farm And Ranch
- Farm Labor Contractors
- Livestock & Cattle
- Nursery And Greenhouse
- Nut Farm
- Poultry Farm
- Sheep & Goat Farm
- Swine, Hog & Pig Farm
- Tobacco Farm
Bonds
Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.
Commercial Auto
Learn about Missouri commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.
- Ambulance Services
- Armored Car
- Big Rig Truck
- Bobtail Non-Trucking Liability
- Charter And Tour Bus
- Commercial Auto
- Commercial Van
- Dump Truck
- Food Truck
- Freight Forwarder
- Household Goods Moving
- Limousine
- Non-Owned and Hired Auto Liability
- Owner Operator
- Pizza Delivery
- Tow Truck
- Truck
Missouri General Liability Insurance Information
MO Commercial Insurance Articles
Read informative articles on Missouri commercial insurance including costs and coverages.
- Best Business Insurance
- Cheap Small Business Insurance
- Commercial Insurance Brokers
- Commercial Insurance Quotes
- Commercial Liability Insurance Quotes
- General Liability Insurance Cost
- Liability Insurance Quotes
Missouri Economic Data And Business Insurance Regulations

Are you a business-minded individual who is considering setting up shop in the state of Missouri? If so, before you take the leap and start putting plans into action, it's important that you do your due diligence to determine whether or not the state offers favorable conditions that will allow your business to succeed. It's also a good idea to find out the rules and regulations that are in place within the state regarding commercial insurance.
Below, we provide an overview of key information that relates to business development in The Show-Me State so you can determine whether or not it will be a suitable location for your business operations.
Economic Trends For Missouri Businesses
The latest reports from the Bureau of Labor Statistics reveal that the unemployment rate in the state of Missouri was 3.3 percent in May of 2021; 0.3 percent below the national average. The unemployment rate is a good indicator of whether or not a state offers favorable conditions for businesses, as it directly reflects the labor market; a low unemployment rate suggests that the climate is healthy, as there are enough jobs to sustain the overall population.
More jobs are a sign that more businesses are flourishing in the area, which directly reflects whether or not the economic climate is healthy for entrepreneurs. It's predicted that the unemployment rate in Missouri will remain within the recently reported range through upcoming years.
St. Louis is an ideal spot for business owners who are looking to set up shop in the Show Me State. It's estimated that for every 1,000 residents in the city, a new business is opened, which is rather impressive. Areas outside of St. Louis also prove to be promising for those interested in starting a business, including:
- Brentwood
- Bridgeton
- Clayton
- Creve Coeur
- Des Peres
- Ellisville
- Maryland Heights
- Sunset Hills
- Town and Country
While businesses in many areas flourish in the state, the following industries are seeing the most growth in MO:
- Advanced manufacturing
- Agriculture and bioscience
- Financial and professional services
- Health care and social assistance
- Manufacturing
- Retail trade
Commercial Insurance Regulations For Businesses In Missouri
The Missouri Department of Insurance regulates insurance in Missouri. Of all the things business owners can invest in, commercial insurance is the most important. In the event that something goes wrong, commercial insurance provides financial protection for the owners and operators of establishments, as well as the customers and vendors they work with and the employees that they rely on.
Certain types of commercial insurance are required in the state of Missouri. Business owners must invest in the following policies, regardless of what industry they are in. Workers' compensation insurance, a policy that covers employee-related accidents and illnesses that occur on the job. Other types of insurance coverage business owners need to carry depend on the nature of the business, as well as the size of the organization.
Request a free Missouri General Liability Insurance quote in Affton, Arnold, Ballwin, Bellefontaine Neighbors, Belton, Berkeley, Blue Springs, Bolivar, Boonville, Branson, Bridgeton, Cameron, Cape Girardeau, Carthage, Chesterfield, Chillicothe, Clayton, Clinton, Columbia, Concord, Crestwood, Creve Coeur, Dardenne Prairie, Des Peres, Ellisville, Eureka, Excelsior Springs, Farmington, Ferguson, Festus, Florissant, Fort Leonard Wood, Fulton, Gladstone, Grain Valley, Grandview, Hannibal, Harrisonville, Hazelwood, Independence, Jackson, Jefferson City, Jennings, Joplin, Kansas City, Kearney, Kennett, Kirksville, Kirkwood, Ladue, Lake St. Louis, Lebanon, Lee's Summit, Lemay, Liberty, Manchester, Marshall, Maryland Heights, Maryville, Mehlville, Mexico, Moberly, Monett, Neosho, Nixa, O'Fallon, Oakville, Old Jamestown, Overland, Ozark, Park Hills, Perryville, Poplar Bluff, Raymore, Raytown, Republic, Richmond Heights, Rolla, Sedalia, Sikeston, Smithville, Spanish Lake, Springfield, St. Ann, St. Charles, St. Joseph, St. Louis, St. Peters, Sunset Hills, Town and Country, Troy, Union, University City, Warrensburg, Washington, Webb City, Webster Groves, Wentzville, West Plains, Wildwood and all other cities near me in MO - The Show-Me State.
Also find Missouri insurance agents & brokers and learn about Missouri small business insurance requirements for general liability, business property, commercial auto & workers compensation including MO business insurance costs. Call us (314) 499-6799.