Missouri Business Insurance

What Are Small Business Owners Saying About PolicySweet?

Types of Coverage in Missouri:

Do you own a business in Missouri? If you are looking for ways to help protect your business, insurance can be essential in the event of a claim. Our Missouri business insurance coverage includes Business Owners Policy (BOP), Workers’ Compensation, and HomeHQSM. Learn more about our coverage options to find a policy suited for your business:

Business Owners Policy

A Business Owners Policy is often referred to as a BOP. It is designed to protect a business against a variety of situations by combining important coverages together. A BOP from PolicySweet includes general liability, property, and cyber insurance into one bundle and is recommended for those who rent or own office space.

General Liability

General liability can help protect your business if it is sued for third-party property damage, bodily injuries, or advertising injury. It could assist in covering any financial consequences of a claim such as medical bills, attorney fees, court costs and any settlements in which your business is found liable.

Business Property

Business property insurance is designed to protect vital equipment owned or rented by a business. It could protect against the risk of physical loss or damage to business property, such as theft, vandalism, fires. It may even cover the unexpected expenses to repair or replace items your business relies on.


Cyber insurance could cover your business in the event of a hack, data breach, or system compromise that results in losing sensitive data or causes financial damage. It could help cover the cost to hire a professional to investigate the cause, scope, and extent of a cyber security breach.

Workers' Comp

Workers’ Compensation insurance can protect your business and employees for injuries and illnesses caused by or related to employment. It can help cover the financial impact of medical expenses, rehabilitation costs, and lost wages caused by a workplace accident or injury.


Do you run a business out of your home? If so, HomeHQ could be the ideal coverage for you. Assembled into HomeHQ is business liability insurance, property insurance, and stock coverage to help protect your business from several risks it could encounter while operating from your home.

How Much Does Business Insurance Cost in Missouri?

How much you will pay for business insurance in Missouri depends on a variety of factors. Each variable plays a part in determining your policy premium. So, there’s no one-size-fits-all answer. Some factors that can influence your business insurance costs are:

  • The industry-related hazards and risks involved in your business
  • The number of employees your business employs
  • The number of years you’ve been in business
  • The coverage types and limits you’ve selected
  • The claims history of your business

Another factor that can impact your premium is the location of your business. For more populated areas like Kansas City, Saint Louis, or Springfield it may cost more to insure your business.

One of the best ways to find out how much business insurance can cost is to get a quote. PolicySweet offers free no-obligation quotes and if you like what you see your business can be insured as soon as tomorrow!

Why Choose PolicySweet?

There are several advantages for choosing small business coverage from PolicySweet, including:

Quick Quotes

The days of waiting are over! Our process is simple and quick. You can get a quote for your business within minutes and be insured as soon as tomorrow.

Customizable Coverage

Whether you choose a Business Owners Policy, Workers’ Compensation, or HomeHQ each policy is tailored to meet the unique needs of your business and protect it against common industry risks.

Flexible Payment Options

We offer different payment options allowing you to choose a payment schedule that works best for your business and can help with managing cash flow.

Dedicated Customer Service

Our team of experts are available to answer any insurance questions you may have or to assist you with choosing coverage for your business. Contact us now >

How Do I Get Business Insurance?

There are two ways to get coverage from PolicySweet. Choose whichever option is most convenient to you, get a quote online or by phone.


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The Most Common Businesses Obtaining Coverage in Missouri

PolicySweet is able to provide customizable insurance policies to a variety of small businesses and professions in Missouri. Some of the most common types of industries getting small business insurance in Missouri are:

Ready to Protect Your Business?