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A quick quote can save you up to 65% or more with
Missouri's leading contractors' insurance programs –




Contractors Insurance

Stop overpaying for coverage in the Show-Me State!
A quick quote can save you up to 65% or more with Missouri’s leading contractors’ insurance programs –

Coverage for Missouri Contractors

License or no license, builders of all trades encounter the common risks inherent in daily operations. Our Missouri Contractors' Insurance programs establish a financial barrier between your business assets and unforeseen business claims –

What is Missouri Contractors’ Insurance?

Missouri contractors’ insurance provides coverage against a diverse array of financial risks that can emerge during various facets of business operations.

Why Do I Need It?

From Kansas City to St. Louis, the construction industry remains one of the most perilous professions in Missouri. The use of dangerous tools and heavy machinery poses significant risks of bodily injury and property damage. Furthermore, incidents involving falling debris, equipment malfunctions, and electrical shock or fires can lead to life-threatening injuries for workers, potentially exposing employers to substantial financial liability or wrongful death lawsuits. A sudden claim has the potential to devastate a small company and thrust a contractor without adequate insurance into bankruptcy overnight. This underscores the urgent need for contractors’ insurance to protect your business and its assets.

Rest assured, a comprehensive contractors’ insurance package is designed to protect your business and its assets from a wide range of potential risks.

Protect Against the Unpredictable

We encourage construction companies planning to undertake contracts in Missouri to visit their local jurisdiction to review rules, regulations, required documentation, and fees before beginning operations.

With fiercely competitive rates that fit any budget, our insurance professionals are ready to assist Missouri contractors with a custom-tailored insurance package, offering automatic discounts for immediate savings.

Our Recommended Products

General Liability

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:

  • Business Liability
  • Contractual Liability
  • Products-Completed Operations
  • Damage to Rented Premises
  • Defense Costs
  • And More

Workers' Comp

Missouri contractors’ workers’ compensation benefits workers with job-related injuries or illnesses.

A Missouri contractors’ workers’ comp policy provides coverage for:

  • Medical Expenses
  • Lost Wages
  • Disability Benefits
  • Survivor Benefits
  • Benefit Payments
  • Ongoing care

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.

Surety Bonds

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.

Commercial Auto

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:

  • Bodily Injury & Property Damage
  • Comprehensive & Collision Damage
  • Uninsured & Underinsured Motorist
  • Hired & Non-Owned Auto
  • Medical Payments
  • And More

A Missouri contractor commercial auto policy protects company vehicles with physical damage and liability coverages not available with a personal auto policy.

Inland Marine

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:

  • Wind
  • Hail
  • Fire
  • Water

A Missouri contractors’ inland marine policy provides coverage for “builders” and “installation” risks and damaged rented or leased equipment.


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