Contractor Insurance
in Missouri
Coverage That Keeps You Legal and Secure on Missouri Jobsites
Contractors in Missouri face plenty of challenges—from unexpected storm damage to county-by-county licensing laws. Whether you’re building in St. Louis, remodeling in Springfield, or running a small roofing crew in the Ozarks, the right insurance is essential.
At ACI, we help you stay compliant and protected with affordable, customized contractor insurance designed for Missouri’s construction risks. Get fast coverage that meets state requirements and supports your business growth.
Why Contractors in Missouri Choose ACI
Local Expertise
We know Missouri’s contractor requirements inside and out—from statewide workers’ comp laws to local liability expectations.
Same-Day Certificates
Need proof of insurance for a permit or client? We deliver fast so your projects don’t stall.
Flexible Payment Plans
Get protected now and pay over time—many plans start with just 20% down.
Bundled Savings
Combine general liability, auto, and tools coverage to save up to 25% on total premiums.
Insurance Coverage We Offer in Missouri
We provide flexible, high-value coverage for general contractors and specialty trades across Missouri:
- General Liability Insurance
Protects against property damage, injuries, and lawsuits. Often required for licensed trades in Missouri.
- Workers’ Compensation Insurance
Required if you have employees. Covers medical bills and lost wages from jobsite injuries.
- Commercial Auto Insurance
Insures work vehicles and trailers against accidents, theft, and liability claims.
- Tools & Equipment Insurance
Protects your tools from theft or damage—on-site, in transit, or in storage.
- Builder’s Risk Insurance
Covers materials, structures, and equipment during active construction projects.
- Professional Liability Insurance
Ideal for contractors offering design-build services or consultations. Covers errors, omissions, or negligence claims.
Who We Cover in Missouri
From city-based general contractors to rural trade specialists, ACI insures:
- General Contractors
- Electricians
- Roofers
- Plumbers
- Painters
Whether you’re framing homes in St. Louis or running HVAC installs in Springfield, ACI has coverage designed for how you work.
How Much Does Contractor Insurance Cost in Missouri?
Contractor insurance costs in Missouri depend on your trade, business size, and risk tolerance. Here are the top factors that affect your premium:
Cost Factors
- Type of Work (e.g., Roofing vs. Painting)
Higher-risk trades like roofing often cost more than lower-risk work like painting.
- Number of Employees
More employees increases your workers’ comp premium and liability exposure.
- Coverage Limits and Deductibles
Higher limits offer more protection—higher deductibles can reduce costs.
- Business Revenue
Higher revenue often means higher premiums due to greater exposure.
- Claims History
Clean records keep rates low; frequent past claims may increase your cost.
Example Deductibles:
Policy Type | Typical Deductible |
General Liability | $500–$1,000 |
Builder’s Risk | $1,000+ |
Workers’ Comp | $0 deductible |
See your exact insurance rate with a fast, custom quote built for your trade.
Missouri Contractor Insurance Requirements
General Liability Insurance
Not required by the state, but often mandated by cities, counties, or clients for licensed contractors.
Workers’ Compensation Insurance
Required for businesses with 5+ employees—or any number of employees in the construction industry.
Commercial Auto Insurance
Mandatory for business vehicles. Personal auto policies won’t cover job-related incidents.
Local laws and licensing boards may have additional requirements. Contact us for guidance specific to your county or trade.
Get a Free Contractor Insurance Quote
in Missouri
One quote. Full protection. Fast coverage for Missouri contractors starts now. Get insured today and keep your projects moving without a hitch.