St. Louis Business Insurance

(Where to connect with a local independent agent)

Written by Candace Jenkins
Written by Candace Jenkins

Candace Jenkins is a licensed insurance advisor with over a decade of experience. She is also a writer and loves to write on all things insurance. Candace writes for on a continuous basis and is here with the facts about all your insurance inquiries.

St Louis Missouri business insurance

St. Louis is home to the largest monument in the US. It is a historic place to live and is known as the gateway to the West. 

If you own a business in this 308,626 populated city, you'll need commercial coverage. On, you can connect with a local independent insurance agent to get started.

Does Your St. Louis, MO, Business Need Liability Insurance?

Your St. Louis, MO, business needs protection against lawsuits. In this day and age, liability insurance is used most often. A commercial general liability policy, or CGL, will help insure your company when a claim arises. 

CGL insurance: This policy protects your business's financial interests in the event of a lawsuit. It will cover for bodily injury, slander, or advertising injury to another party. 

Risk exposures can be negligent or accidental in nature, but they must not be malicious. The majority of CGL policy limits start at the following:

  • $1,000,000 per occurrence
  • $2,000,000 aggregate

You'll also want to discuss umbrella insurance with your independent agent. An umbrella policy will provide an additional limit of liability above your underlying CGL policy. This will apply when your CGL limits get exhausted due to a larger claim. Connect with your independent agent on your company's liability insurance.

Why Your Company Needs Cyber Liability Insurance in St. Louis, MO

It only takes one click to be in a virtual mess that could cost your company thousands of dollars in damage. When your clients' sensitive data gets stolen on your watch, your business is liable. You'll want a business insurance policy that can weather the storm. Let's look at the facts:

  • Number of US identity records exposed in 2019: 164.68 million
  • Number of US data breaches in 2019: 1,473

Cyber liability insurance will help pay for legal fees if a loss occurs. Discuss with your independent agent cyber coverages for your business.

Protect Your St. Louis Commercial Property with Insurance

If you own a commercial property or business belongings, you'll want protection for the what-ifs. A commercial property policy will replace or repair your structure or belongings when a loss occurs. 

The top five most reported property claims in MO:

  • Severe storms and lightning
  • Flooding and water damage
  • Severe ice storms and freezing
  • Burglary and other property crimes
  • Tornadoes

Limits are preselected when you obtain the policy. A replacement cost estimator is used, so you have enough coverage to insure the building if a loss occurs. Flooding is one exposure not covered under your commercial property policy. For that, you'll need separate flood coverage. 

How to get flood insurance in St. Louis, MO:

St. Louis has flooding and water damage as a top-five risk. When you are considering coverage for your property, flood insurance should be on the list. In addition to your commercial property, your home needs insurance as well. Let's look at how to get a flood policy:

1.) Have your independent agent to pull your elevation certificate to find your flood zone.

2.) Your agent can quote through FEMA-approved carriers.

3.) Select one of the options that your agent presents for flood insurance.

Contact your St. Louis independent agent to quote your flood policy today.


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Why You Need Business Interruption Insurance in St. Louis, MO

If your business has to pause services for a time because of a covered loss, you'll need coverage to keep it afloat. Everyday expenses are still due even when your business isn't operating.

Business interruption insurance: This will pay for regular business expenses like rent, mortgage payments, utilities, and payroll. 

Business interruption insurance is coverage on your CGL policy that can be added by your agent. It protects for 12 to 24 months per occurrence. Speak with your local agent on insurance options for your business.  

How to Attract Staff with Employee Benefits in St. Louis, MO

Your business may be only as good as the value it brings. That goes for your employees as well. When a new hire is thinking of joining your team, they will decide on culture, pay, and employee benefits. Let's look at the costs of health insurance:

  • Average annual health premiums for family employee coverage in 2019: $20,576
  • Average annual health premiums for single employee coverage in 2019: $7,188

Employee benefits insurance will help your staff pay for healthcare, life insurance, and disability insurance by a company contribution. Some business owners pay for all of the expenses, while others cover a portion. Connect with your agent to put together an employee benefits package to offer your new hires. 

Your St. Louis, MO, Business and Workers' Compensation Insurance

Daily operations could not be possible without the help of your key employees. If one of your staff members gets injured or ill on the job, your workers' compensation insurance will provide coverage. 

In Missouri, your company must carry workers' compensation insurance when you have five employees or more. An employee who is still unrecovered by week twelve is 70% more likely to collect disability. 

That could be a huge expense that your company would be liable to pay without workers' compensation insurance. Speak with your independent agent on coverage for your employees. 

Work with an Independent Agent in St. Louis, MO

Business insurance is an important task for your company. The wrong policy could mean the difference in a claim being paid or not. 

When you partner with an independent insurance agent, they can give you the coverage your business needs. To get a reasonable price with a local agent, go to and start saving.

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