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Get Small Business Insurance in Missouri

biBERK is trusted by many companies for business insurance in Missouri. We offer flexible business insurance policies to protect you from the various types of risk Missouri companies face.

Workers' Compensation Insurance in Missouri

Workers’ compensation insurance helps protect your business if an employee is injured, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. We offer tailored workers’ comp in Missouri to ensure your business and your workforce are properly covered. So if, for example, an employee falls off a ladder in your warehouse and breaks their arm, the resulting costs may be covered.

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Missouri General Liability Insurance

Also known as commercial liability insurance, a general liability policy is a critical type of small business insurance in Missouri. It covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Let’s say someone who is visiting your business locations slips and falls in your lobby. The related costs may be covered. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Missouri Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance (for claims like non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as the use of a temporary location. So if, for example, a tornado breaks windows and damages property at your office, the cost may be covered. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Missouri Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy could protect you from the cost of damages and legal fees if someone claims your professional service caused financial harm to them or their business. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). Professional liability insurance should be considered if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage. Professional liability coverage can protect you if, for example, you’re a bookkeeper and you make a calculation error that harms your client’s business.

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Missouri Commercial Auto Insurance

If your company owns or leases vehicles, this policy protects your business. Missouri commercial auto insurance can cover your legal fees and the medical costs of others if your employee is at fault in an accident. It can protect you if, for example, your delivery driver runs a stop sign and causes an accident with property damage and injuries. It can pay the cost of damages even if the vehicle is used for personal activities outside of its primary business use.

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Missouri Cyber Insurance

This type of business insurance in Missouri can be purchased as an add-on to a general liability policy, professional liability policy, or business owners policy (BOP). It helps cover costs related to system hacks or data security breaches in which sensitive information like credit card data has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Missouri Umbrella Insurance

When buying business insurance in Missouri, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. Umbrella insurance adds another layer of protection, as it can cover costs that exceed the limit of another biBERK liability policy, subject to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your company.

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We Cover all Kinds of
Professionals and
Businesses in Missouri,

  • Accounting/auditing firms
  • Advertising services
  • Appliance installation
  • Attorneys and legal services
  • Automobile body shops
  • Bars, lounges, and nightclubs
  • Building owners
  • Bus companies
  • Business consultants
  • Carpentry services
  • Cleaning and janitorial services
  • Commercial and residential real estate
  • Concrete work
  • Courier and messengers services
  • Electrical appliance repair
  • Electrical contractors
  • Floor covering and carpet installers
  • Gardening and landscaping
  • Heating and cooling companies
  • House furnishings installation
  • Insulation services
  • Insurance companies
  • Interior and exterior painters
  • IT companies and consultants
  • Osteopath and physician offices
  • Plumbers
  • PR firms
  • Produce markets
  • Programmers
  • Restaurants
  • Retail, clothing, and other stores
  • Sales professionals
  • Salons
  • Securities and commodities businesses
  • Software developers
  • Tile and stone installers
  • Tree spraying and pruning
  • Trucking companies
  • Videographers and photographers
  • Wallboard installers
  • Wallpaper companies

Why Choose biBERK for Your Business Insurance in Missouri?

We’re the experts when it comes to small business in Missouri.

Save Time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Workers’ Compensation in Missouri and Other Policies?

Whether it’s workers’ compensation in Missouri or other small business insurance, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

What Missouri Business Insurance is Required?

Workers' Compensation

In Missouri, you are required to carry workers’ compensation insurance if you have five or more employees, unless you are in the construction industry, then you must carry workers’ compensation insurance if you have one or more employees. You can receive substantial fines and criminal penalties in Missouri if you’re required to have a workers’ comp policy and are caught doing business without one.

Other Policy Considerations

Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

Business Insurance Throughout Missouri

You can be covered by biBERK wherever you are in the state. That means you can get business insurance in:

  • St. Louis, MO 
  • Springfield, MO
  • Kansas City, MO
  • Lees Summit, MO
  • And any other city around the state!

What is the Cost of Small Business Insurance in Missouri?

The cost of small business insurance in Missouri depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. Learn what you’ll pay for business insurance in Missouri by getting instant, online quotes for any policies you need.

Missouri Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in Missouri and save up to 20%.