Business Insurance in Jefferson City, MO

Last year, more than $7.6 billion in commercial insurance claims was paid out by business insurance companies across the state of Missouri. Fortunately for the businesses that had to file, having business insurance helped them get the reimbursement they needed to remain afloat after a disaster.

If you haven't already, talk with a local independent insurance agent in Jefferson City to get your business equipped with the right business insurance. But before we jump too far ahead, here's a breakdown of business insurance in Jefferson City, MO, and why it's important.

How Much Does Business Insurance Cost in Jefferson City, MO?

Your business insurance premiums vary based on many factors, including location. Other things that impact the price of business insurance in Jefferson City are: 

• Business niche
• Number of employees on staff
• Company operations and exposures
• Coverages selected
• Annual payroll and revenue

Though it can be hard to estimate a business's insurance premium without knowing these details, your independent insurance agent in Jefferson City can offer you business insurance quotes from multiple carriers.

Is Business Insurance Required in Jefferson City, MO? 

Construction businesses in Missouri with at least one employee must be equipped with workers' compensation. Other types of businesses are only required to have coverage if they have five or more employees, with limited exceptions. Workers' comp coverage is just one part of a complete business insurance policy. It can protect your company against worker injury, illness, or death caused by the job or environment and against employee lawsuits for these disasters.

What Does Business Insurance Cover in Jefferson City, MO? 

The needs of your specific business will influence your coverage selections. Still, there are a few types of coverage commonly chosen by most businesses.

Businesses in Jefferson City often select these coverages:

• General liability insurance: Reimburses a business for legal expenses after third-party claims of bodily injury or property damage.
• Commercial auto insurance: Reimburses a business for incidents that damage company vehicles or result in lawsuits, such as traffic collisions.
• Cyber liability insurance: Reimburses a business for costs of cybercrimes like hacking, phishing, data breaches, etc.

You might also need to add these to your policy:

• Employment practices liability insurance: Reimburses a business for legal costs if an employee claims wrongful termination, discrimination, workplace harassment, etc., by your company.
• Premises liability insurance: Reimburses a business for legal expenses after third-party claims of bodily injury or property damage on your company's premises.
• Pollution liability insurance: Reimburses a business for legal expenses and possibly cleanup expenses after a third-party environmental pollution claim.

Don't worry if you're unsure of exactly which types of business insurance your company needs most. Your independent insurance agent in Jefferson City can help recommend the coverages that would be the best fit.

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What Does Small Business Liability Insurance Cover in Jefferson City, MO?

Lawsuits get filed by third parties, like customers, against businesses all the time. That's why having small business liability insurance, which can reimburse your business for legal expenses like attorney, court, and settlement fees, is crucial. Ask your independent insurance agent in Jefferson City about adding this essential coverage today.

Are There Any Small Business Health Insurance Plans in Jefferson City, MO?

The state of Missouri offers small business health insurance plans through its Small Business Health Options Program (SHOP). Businesses can qualify for these plans if they have 50 or fewer employees. You can get set up with a small business health insurance plan by working with an independent insurance agent in Jefferson City, or by using SHOP's website directly.

What Are the Best Small Business Insurance Companies in Jefferson City, MO?

Don't waste time searching endlessly for quality small business insurance in your city. We've gone ahead and compiled a list of a few of our top choices for small business insurance companies in Jefferson City, MO for you.

Best Small Business Insurance Companies in Jefferson City, MO	Star Rating
The Hanover
Stillwater
Encova
West Bend
Travelers

Why Work with an Independent Insurance Agent in Jefferson City, MO?

There's no such thing as a one-size-fits-all business insurance policy. With a wide variety of products and options at your disposal, you can put together a solid business insurance package that's custom-built for your company.

Independent insurance agents can help you choose the right policies and options to meet your company’s specific coverage needs. Because they're independent, these agents can work with several of the best business insurance companies in Missouri to find you the right coverage at a great price.