Missouri general contractor insurance that’s customized just for you
NEXT makes it easy for you to save on all the insurance you need to protect your general contractor business in Missouri. Business insurance packages for general contractor businesses in Missouri often include:
- General liability
- Professional liability
- Workers’ compensation
- Tools & equipment
- Commercial property
See the coverage plans for General contractor Insurance in Missouri
You can pay for your insurance monthly or annually and you can cancel instantly at any time.
Basic
Lowest Price
General Liability
Per occurrence
$300,000
Tools & Equipment
Per occurrence
$3,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
Pro
Most Popular
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$5,000
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
Pro Plus
Best Coverage
General Liability
Per occurrence
$1 million
Tools & Equipment
Per occurrence
$10,000
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
Find the right general contractor business insurance in Missouri
We have all the business insurance you might need for your general contractor business in Missouri. And you save up to 10% when you combine coverage.
General Liability
Protection for the injuries, accidents and damage you cause
General liability insurance for general contractors covers a wide range of construction accidents and basic risks. You’ll have financial protection if someone other than an employee gets hurt or you are held responsible for damaging property that doesn’t belong to you. It’s often required by project owners and licensing agencies. General liability includes contractors’ E&O, or professional liability coverage, which can help cover costs in a business disagreement.
general liability can help you pay for:
Medical payments
Property damage
Legal fees and judgments
Contractors’ E&O
Coverage against business mistakes and claims of negligence
Errors and omissions insurance for general contractor business (also known as professional liability) helps you to defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if you are accused of project cost overruns, it could help cover related expenses to defend yourself.
professional liability can help you pay for:
Professional negligence (actual or alleged)
Legal defense costs
Legal judgments
Workers' Compensation
For business owners who hire employees
Workers’ compensation insurance provides financial protections for general contractors for workplace injuries. Most states require it as soon as you hire your first employee, and you might need coverage before you can get your contractor license. It can help pay for medical bills and lost wages after an accident.
workers compensation can help you pay for:
Medical expenses
Lost wages
Employer liability
Tools & Equipment
Protection for your gear and equipment
Tools and equipment coverage makes sure your general contractor work gear is protected wherever you keep it — in your vehicle, in a trailer or at a job site. If you don’t own or lease property and regularly take expensive gear to a job site, tools & equipment insurance offers protection against damage or theft. This coverage is available as an add-on to our general liability insurance.
inland marine can help you pay for:
Equipment owned by you
Employee tools and clothing
Borrowed equipment
Commercial Property
For business owners who own or rent physical spaces
Commercial property insurance can help protect your general contractor business equipment, inventory and your building if you own it. If you own real estate where you store equipment, commercial property insurance provides coverage for your equipment while it’s on the premises, as well as for the building itself.
commercial property can help you pay for:
Damaged equipment and inventory
Lost income
Operating expenses
How much does it cost to get General contractor insurance in Missouri?
The exact amount that a general contractor business can expect to pay for business insurance depends on a number of factors, including:
- The kind of work you do
- How many employees you have
- The number of vehicles you use for work
- How long you’ve been in the industry
Business insurance typically costs a general contractor business in Missouri about $22 each month.†
You automatically save 10% if you combine more than one type of policy together. For example, if you add a commercial auto policy to your existing general liability policy, you’ll save 10% right off the bat.
General contractor insurance requirements in Missouri
Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:
- Help pay for accidents that cause damage to property that isn’t yours.
- Defend yourself. If you’re accused of making a mistake that causes someone to lose money.
- Hire employees. Most states require workers’ compensation insurance if you have employees.
- Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
- Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.
Frequently asked questions about general contractor business insurance
Here are some of the most common questions we get about general contractor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.
Does NEXT Insurance offer general contractor business insurance in Missouri?
Yes, NEXT Insurance offers tailored general contractor business insurance in Missouri.
Does NEXT Insurance offer Tools & Equipment coverage for general contractor business in Missouri?
Yes, NEXT Insurance offers General Liability, Professional Liability, Workers' Compensation, Tools & Equipment, Commercial Property coverage for general contractor business in Missouri.
How does business insurance protect event planners?
Our tailored business insurance for event planners is designed to protect your business from a variety of risks and help you save money to grow your business. You can be protected from financial losses related to:
Damage to someone’s property
One of your subcontractors accidentally cracks a large window at an event space. The general liability coverage in your insurance package could help pay for a replacement.**Accidents that hurt someone
A client slips and falls on the front steps when arriving at your office. Your general event planner liability insurance coverage could also come into play here by helping to pay for medical costs and legal fees.Professional mistakes
A client claims they had to pay extra catering fees because you added incorrect information to the service agreement. Professional liability insurance helps you defend yourself if you’re accused of making a mistake that causes someone to lose money.Workplace injuries
You throw out your lower back while helping to set up tables for a party and you have to take off two weeks during peak season to recover. Workers’ compensation insurance with business owner’s coverage can help cover medical bills and lost wages. Workers’ comp is usually required by law if you have employees.Injuries and damage involving your business vehicles
Your car slides on a slippery road and hits a parked car. Commercial auto insurance can help pay for the repairs. This coverage is also usually required by law for business-owned vehicles.Damage to your own property
A tree falls over and damages the roof of your office. Commercial property insurance can help with replacement or repair costs if your owned or leased property is damaged due to a covered event, such as a burst water pipe, fire, tornado or vandalism.How can I get a certificate of insurance (COI)?
Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.
What do I need to get an insurance quote online?
It takes about 10 minutes to get a business insurance quote online with NEXT. We’ll ask a few questions about your business — like what you do, your location, how many people you employ and the vehicles you use for work.
You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.
How do you file an insurance claim with NEXT?
If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.
Get customized insurance wherever you do business
Learn more about insurance options in the states where you work.
Coverage on-the-go for policyholders
Manage your policies, send and create certificates of insurance, or file a claim with our app.
More professions that are covered by NEXT
Appliance Technician, Carpenter, Concrete Contractor, Debris Removal, Drywall Contractor, Electrician, Excavation Contractor, General Contractor, Handyman, HVAC Contractor, Home Renovation Contractor, Mason, Insulation Contractor, Painters, Paving and Asphalt Contractor, Plumber, Roofing, Siding Installation Contractor, Solar Contractor, Snow Plowing, Welding, Tile, Stone and Flooring Installer, Paperhanger, Fence Installation Contractor, Lawn Care, Landscaping
* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.
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Number of businesses insured
Statistics as of November 2023