Small Business Insurance Quote
Get a small business insurance quote that protects everything you've built. We compare carriers to find coverage that fits your specific business risks and your budget.
Running a small business is inherently risky. One lawsuit. One fire. One injured customer. One data breach. Without proper insurance, any of these could shut your doors permanently. The right coverage keeps you in business when things go wrong.
We specialize in small business insurance. We understand the risks entrepreneurs face and how to protect against them affordably.
What Coverage Do Small Businesses Need?
Most small businesses need at least these core coverages:
• General liability insurance - Protects against third-party bodily injury and property damage claims. If a customer slips in your store or you damage a client's property, this responds.
• Property insurance - Covers your building (if owned), equipment, inventory, furniture, and supplies. Fire, theft, vandalism, and weather damage.
• Business interruption coverage - Replaces lost income if a covered event forces you to close temporarily. Keeps the lights on while you recover.
• Workers compensation - Required in Missouri for most businesses with employees. Covers employee injuries and illnesses that happen on the job.
Depending on your industry, you might also need professional liability (errors and omissions), commercial auto, cyber liability, or specialized coverage for your particular business type.
What Is a Business Owner's Policy (BOP)?
A Business Owner's Policy bundles general liability and property coverage into one convenient, cost-effective package. It's typically 15-20% cheaper than buying these coverages separately. Most small businesses start with a BOP as their foundation.
BOPs are designed for small to medium-sized businesses with lower risk profiles. Restaurants, retail stores, offices, and professional services often qualify. We can tell you if a BOP fits your business or if you need something more customized.
What Affects Your Small Business Insurance Rate?
• Industry and business type - Some industries are riskier than others. Contractors pay more than accountants.
• Annual revenue - Higher revenue typically means higher premiums.
• Number of employees - More employees means more exposure and higher workers comp costs.
• Location - Where you operate affects rates. Urban areas often cost more.
• Claims history - Previous claims increase future premiums.
• Coverage limits and deductibles - Higher limits cost more. Higher deductibles cost less.
How We Help Small Businesses
We specialize in small business insurance. We know which carriers price different industries favorably. We understand the coverage you need and the coverage you can skip. We find the balance between protection and affordability.
We also review your coverage annually. As your business grows and changes, your insurance needs evolve. We make sure you stay properly protected.