Missouri Construction Insurance

You lift the heavy stuff; we’ll equip it with coverage.

Christine Lacagnina has written thousands of insurance-based articles for TrustedChoice.com by authoring consumable, understandable content.

Paul Martin is the Director of Education and Development for Myron Steves, one of the largest, most respected insurance wholesalers in the southern U.S.

Save on Construction Insurance

Our independent agents shop around to find you the best coverage.

You’re starting your own construction business in Missouri, and you can’t wait to get to work. Hit the hold button on that enthusiasm for just a moment, though. Construction work can be rewarding, but it can also be extremely dangerous. The daily hazards faced on the job need to be addressed up front. So before you can start taking calls, you’ll need to get the right coverage.

That's where our independent insurance agents come in. They'll break down all kinds of construction insurance options available in Missouri, including coverage for solo contractors all the way up to large-scale construction companies. Whatever the scale of your business or project load, they'll get you set up with the protection you need. But first, let’s start with an overview.

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Our independent agents shop around to find you the best coverage.

What Is Construction Insurance?

In short, construction insurance is a bundle of policies packaged together that’s designed to cover all the components involved in construction work. This includes everything from the tools workers use, to the job site’s property, to all the people connected to that job. 

Now, it should be no surprise that all construction businesses and jobs are different. But that also means the insurance that’s needed to protect the company—or job— isn’t one-size-fits-all. The perfect coverage for one site might not be enough to protect yours. And what another company has may just be way too much. 

That’s why it’s so important that your coverage is tailored specifically for you. When you work closely with an independent insurance agent, you get the protection that’s right for you—no more, and no less.

Is Construction Insurance Required in Missouri?

Sometimes yes. Sometimes no. Small-scale projects involving less risky operations may not require coverage, while larger jobs that involve more hazardous equipment and complex labor absolutely will. But required or not, construction work comes with numerous risks, both obvious and hidden, so coverage is always a good idea, especially if you are a:

Save on Construction Insurance

Our independent agents shop around to find you the best coverage.

Why Do I Need Construction Insurance?

From potential injuries to property damage and lawsuits, construction insurance is definitely a must-have. In order to keep the job and the hand-off running smoothly, you'll need to consider the construction risks specific to your state. What kind of risks? Well, the most common construction insurance claims in Missouri include:

With the proper coverage in place, however, you can help minimize your risks and protect your construction projects and workers from unexpected catastrophes.

What Does Construction Insurance Cover?

A construction insurance policy is typically the easiest option when it comes to knocking out your extensive list of coverage needs all together in one tidy package. These policies offer most of the liability insurance you'll need, and your independent insurance agent can hook you up with any additional coverage you may need depending on the size and scope of your business, the type of construction work you do, etc.

Your construction insurance package will be assembled by selecting the coverages that work for your unique business from a big list of available options. Coverage applies to everything from lost business revenue to potential legal/court fees and beyond.

How Much Does Construction Insurance Cost in Missouri?

The short answer is: It depends. On a lot. A small construction company with just a few employees that only handles sidewalk paving might pay around $25,000/year. But a solo construction worker completing the same type of project would probably only pay somewhere in the low thousands annually, since they have less equipment and no employees to cover with workers' comp.

Now, on the other end of the spectrum, a huge construction business working on a large-scale project, like a super-mall near Kansas City could easily have premiums ranging in the millions each year. Really, it all depends on a number of factors, like:

Save on Construction Insurance

Our independent agents shop around to find you the best coverage.

Top 5 Ways to Score Construction Insurance Discounts in Missouri

Every business owner loves to save a buck or two wherever they can. And fortunately, there are some tips and tricks out there to help you significantly lower your premium, like:

Compare Missouri Construction Insurance Quotes with an Independent Insurance Agent

We all know how valuable your time is, so why spend it doing all the hard work yourself? From insurance packages to add-on policies, our independent insurance agents will help you determine which types of coverage make the most sense for your business and your budget

They’re not just there at the beginning, either. If disaster strikes, your agent will be there to help you through the entire claim process and get your construction business back on track. It’s nice having someone in your corner with you, isn’t it.

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Trusted Choice was very helpful. I was needing some business insurance, and they gave me several different options and potential companies to call. It was very easy and they provided a really good service.

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