Missouri contractors insurance

Licensing & registration in Missouri

Contractor licensing in Missouri is handled at the state and/or local level and can vary by trade and project size — there is no single statewide general-contractor license, so cities and counties (such as St. Louis and Kansas City) set many requirements, while some trades carry their own. Verify the current requirement with your state licensing board and the local jurisdiction where you work before bidding.

Many licensing bodies require a license or registration bond as a guarantee to the public, separate from your liability insurance. Whether a bond applies depends on your jurisdiction and trade, so confirm the current rule before you start.

Coverages Missouri contractors carry

• •General liability — generally intended to respond to third-party injury and property damage from your work, including completed-operations claims that surface after a job.
• •Workers’ compensation — required in most states once you have employees, and commonly required of subs by the GCs who hire them.
• •License / registration bond — a guarantee to the public required by many licensing bodies; distinct from your liability insurance.
• •Tools & equipment (inland marine) — optional coverage generally intended to address loss or damage to your own gear.
• •Commercial auto — for work trucks and vans; personal auto typically excludes business use.

Who needs it in Missouri

Common Missouri users include home builders and remodelers, roofers, electricians, plumbers, HVAC, and landscapers across Kansas City, St. Louis, Springfield, and Columbia.