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Missouri Small Business Insurance

Small business owners in Missouri have a lot to keep up with, from promoting, hiring, and bookkeeping to taking care of general tasks on a regular basis. Running a business takes hard work, and you want to be ready to face any risks that come your way. As a proud business owner in the "Show-Me State," ensuring your business is sufficiently protected against third-party liability claims, property damage, on-the-job accidents, and more is critical to your success. AmVenture is here to help you safeguard your business against uncertainties. We produce bespoke insurance solutions to provide small business owners with the protection you need.

Insurance Coverage for Small Businesses in Missouri


Small businesses like yours in Missouri help to contribute to the state's economy and growth rate. However, even the best-run businesses can be subject to a variety of hazards. You shouldn't have to spend your time worrying about whether you have enough insurance coverage to sustain you financially whenever an unanticipated problem surfaces. AmVenture is a producer of small business insurance solutions for small businesses in Missouri, with options that can be customized to match your precise needs. Although your insurance requirements may vary based on the specifics of your small business, many business owners in Missouri opt to carry:

  • General Liability Insurance
  • Workers' Compensation
  • Businessowners Policy
  • Commercial Auto Insurance
  • Cyber Liability Insurance

General Liability Insurance for Small Businesses in Missouri

A general liability insurance policy can protect your small business from financial loss resulting from third-party allegations of damage or injury caused by you or one of your employees. This type of policy often covers:

  1. Bodily injury: physical damage caused to an individual other than an employee at your place of business, or injuries caused by your business at a customer's residence or place of employment.
  2. Property damage: damage caused to an individual's property while you're conducting business.
  3. Personal injury: invasion of a third-party's privacy, copyright infringement, false advertising, and more.

General liability insurance could help to cover the costs of legal defenses, court fees, settlements, and judgments if a lawsuit is filed against your business.

Workers' Compensation: Protecting Your Employees

The state of Missouri requires all business owners who have five or more employees to carry workers' compensation insurance, although certain exclusions may apply. The policy helps to cover on-the-job accidents, illnesses, and injuries. Workers' comp may pay for an injured employee's medical expenses and could prohibit injured employees from suing your business for workplace accidents or injuries.

Businessowners Policy: Protection for Your Property

You can never predict when an adverse situation will threaten your business. A fire could break out and damage all or part of your building, or a pipe could burst and damage most of your inventory. A businessowners policy (BOP) can help you recover financially if your building is damaged or vandalized. The policy could also help you recoup some of your lost income if property damage causes you to have to temporarily put your business on hold.

Learn More about Commercial Insurance for Small Businesses in Missouri

Based on the way you run your business, there may be other policies you could benefit from, such as commercial auto insurance, cyber liability insurance, and more. AmVenture is here to help you navigate the process of selecting commercial insurance coverage for your small business in Missouri. Give us a call now to get started, or fill out our simple form to receive a fast and free quote.

The Business Climate in Missouri

According to the Small Business Administration, Missouri’s economy grew at an annual rate of 2.8% in the third quarter of 2015, which was faster than the nation's overall growth rate of 1.9%. At the close of 2015, its unemployment rate of 4.4% fell also below the nation's overall rate of 5.0%, making Missouri an ideal place to set up shop.

About AmVenture

  • “A” (Excellent) by A.M. Best Company

    Our affiliated insurance carriers are rated “A” (Excellent) by A.M. Best Company, a widely recognized provider of ratings, financial data and news with an exclusive insurance industry focus.

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  • 24/7 online claim filing

    Our affiliated carriers provide 24/7 online claim filing so you don’t lose valuable time between claim and resolution.

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  • Workers’ compensation

    We specialize in workers’ compensation for small- to mid-sized “Main Street” businesses, supported by an experienced and dedicated staff.

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  • Superior service

    Our goal is to provide a competitive premium cost while delivering superior service that allows you – as a small business owner – the security of knowing your business is protected.

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