Contractors’ insurance protects against the financial risks present at all stages of business operations.
The construction industry remains one of the most dangerous professions in Missouri. Hazardous tools and heavy machinery present the risk of bodily injury and property damage. Furthermore, falling debris, equipment mishaps, and electrical shock or fires can leave unsuspecting workers with life-threatening injuries, exposing employers to significant financial liability or potential wrongful death lawsuits. An unanticipated claim can wipe out a small company and place an improperly insured contractor into bankruptcy overnight.
A robust contractors’ insurance package will safeguard your business and its assets at all hours of the day.
Companies intending to contract in Missouri are encouraged to visit their local jurisdiction to review rules, regulations, required documentation, and fees before commencing operations.
With automatic discounts applied for instant savings, our insurance pros are on standby to assist Missouri contractors with an insurance package custom-tailored to your business needs.
Missouri contractors’ general liability is a vital risk management tool for protecting contractors against the risks involved in day-to-day business operations.
Missouri contractor general liability insurance protects contractors and project owners against potential liability caused by personal injury or property damage to a third person.
A Missouri contractors’ general liability policy protects against unforeseeable events or accident damage claims resulting from business products, services, or operations.
Missouri contractors’ general liability provides coverage for:
Missouri contractors’ workers’ compensation benefits workers with job-related injuries or illnesses.
A Missouri contractors’ workers’ comp policy provides coverage for:
Missouri is known for its stringent enforcement of Missouri contractor workers’ compensation laws.
The Missouri Fraud and Noncompliance Unit’s response to employers failing to adhere to state mandates is not only swift but relentless, with non-compliance violations resulting in severe penalties and eye-watering fines.
Please visit the Missouri Department of Labor & Industrial Relations to review Missouri contractors’ workers’ compensation laws and regulations.
Many businesses, project owners, and government organizations require a Missouri contractors’ surety bond to bid on a project.
A Missouri contractor surety bond guarantees a client that the agreed terms outlined in a bid are complete.
Missouri contractors’ commercial auto insurance protects business owners from financial loss related to damaged vehicles and injured occupants of an accident or vehicles damaged by vandalism or theft.
Missouri contractor commercial auto coverage compensates third parties for their injuries or property damage caused by an insured or a covered employee at-fault accident.
A Missouri contractors’ commercial auto policy provides coverage for:
A Missouri contractor commercial auto policy protects company vehicles with physical damage and liability coverages not available with a personal auto policy.
Also known as Missouri contractor tool and equipment insurance, A Missouri contractor inland marine policy will repair, replace, or reimburse lost or damaged tools, materials, products, and equipment located on a job site, in transport, or off-site storage.
Missouri contractors’ tools and equipment coverage will protect against such common perils:
A Missouri contractors’ inland marine policy provides coverage for “builders” and “installation” risks and damaged rented or leased equipment.