General Liability Insurance

While Missouri law doesn’t mandate General Liability insurance for every business, many landlords, clients, and contractors require proof of coverage before allowing you to operate or begin work.

No. Employee injuries are typically covered under Workers’ Compensation insurance, not General Liability. Many businesses carry both policies for complete protection.

Not usually. Tools and equipment are typically covered under Inland Marine or Business Personal Property coverage, which can be added to your policy or included in a BOP.

Many Missouri businesses carry $1,000,000 per occurrence / $2,000,000 aggregate limits, though your ideal limits depend on your industry, contracts, and risk exposure.

Yes. Having proper coverage—and being able to provide a certificate of insurance—often helps businesses qualify for more contracts and larger projects.

A local independent agency like MBG Insurance can compare multiple carriers, tailor coverage to your business type, and help ensure there are no costly coverage gaps.