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Missouri has a very strong economy with a plethora of businesses, strong and large, playing a key role in contributing to the national economy. The small firms make up over 99 percent of every business in the state and provide nearly half of the jobs.
However, there is also a downside to such a fast-growing economy as businesses face numerous challenges, such as natural disasters, legal issues, and cybersecurity threats. These can have financial setbacks, making it important for firms to have an insurance plan that will safeguard their assets during challenging times,
In this feature, we will take a look at seven leading insurance providers that help ventures and startups in The Show-Me State avoid unforeseen expenses with their tailored products and key selling features.
Thimble
Initially named Verifly during its establishment in 2016, Thimble started off as on-demand drone insurance before shifting its attention towards providing coverage to small businesses. The company has adopted a modernised approach in recent years, offering a number of solutions such as general liability, professional liability, business equipment protection, and cyber insurance..
The company provided its services to a plethora of professions, including freelancers, event management, landscapers, and handymen in Missouri. What sets Thimble apart is the app’s simple design, which allows users to obtain coverage for policies on an hourly, daily, or monthly basis.
NEXT Insurance
NEXT Insurance has been transforming insurance-providing services throughout the United States with its AI-operated digital interface that focuses on speed and simplicity. The company offers general liability, professional liability, and workers’ compensation, along with commercial auto and Tools & Equipment Insurance.
The company has assisted over 500,000 customers in various industries ranging from construction to retail and fitness to cleaning services. NEXT Insurance offers flexible and affordable policies that can be purchased online in a matter of minutes.
Their instant, personalized quotes and digital insurance certificates keep businesses on top of their game.
Hiscox
Hiscox started assisting businesses with their insurance needs in 1901. With more than 100 years of experience, the company provides tailored services to firms operating in Missouri in the United States alone.
They serve technology, consulting, health and wellness, and creative services, along with a number of different industries. Their dedication to offering customized tailored insurance solutions is backed by an easy-to-use digital platform that offers quick quotes and instant coverage to businesses of all kinds.
Tivly
This insurance marketplace originally operated by the name of CommercialInsurance.net before its rebranding. They help small businesses find the right coverage by getting them in touch with over 200 insurance providers. The company also deals in varied products that range from business owners’ policies and general liability to workers’ compensation and commercial auto Insurance.
Beauty professionals, construction workers, consultants, and retailers are some of the many industries Tivly covers. The company stands out among its competitors by providing instant insurance quotes through its association, allowing businesses to buy affordable coverage without much difficulty.
InsuranceBee
InsuranceBee specializes in offering customized insurance coverage, especially for small businesses, freelancers, and independent contractors. The products they offer cover a multitude of needs, such as cyber coverage, general and professional liability, business owner’s policies, and Management liability.
The firm caters to a variety of industries, such as consulting, IT services, real estate, and healthcare. It aims to deliver simple, fast, and affordable plans to its clients regardless of their locations. Customers can obtain quotes and adjust policies instantly with the help of their experts through InsuranceBee’s online portal.
BizInsure
BizInsure has given a new meaning to how business insurance policies are managed. The company brings human expertise and cutting-edge technologies together to provide reliable solutions to their clients in Missouri. Their full product range includes general and professional liability, business owner’s policy (BOP), workers’ compensation, and tools and equipment coverage.
BizInsure provides financial backing to a wide range of industries, including construction, consulting, healthcare, and real estate. The businesses can obtain quotes, buy policies, and acquire a Certificate of Insurance through the phone or their website. BizInsure is emerging to be a major player in the local industry with their customer-first approach.
EK Insurance
EK Insurance is dedicated to providing reliable business insurance solutions to firms across the country, including Missouri. They also offer affordable premiums on a number of coverages like business owners’ policies, workers’ compensation, commercial auto, and general liability.
The firm has been serving the healthcare, airports, and electronic appliances sectors. Unlike its competitors, this up-and-coming insurance firm offers estimates and tailored coverage to clients within 24 hours of their interaction.
Brief Overview Of Missouri’s Leading Business Insurance Providers
The table illustrates the coverage options and unique selling points of these nine prolific insurance providers that deal in business insurance policies.
| Insurance Firm | Products | Key Selling Points |
| Thimble | General Liability, Professional Liability, Business Equipment Protection, Cyber Insurance | User-friendly app for hourly, daily, or monthly policies; Serves freelancers, event managers, landscapers, and handymen |
| NEXT Insurance | General Liability, Professional Liability, Workers’ Compensation, Commercial Auto, Tools & Equipment Insurance | AI-driven platform with instant quotes and digital insurance certificates; Serves over 500,000 businesses in diverse industries |
| Hiscox | General Liability, Professional Liability, Business Owner’s Policies (BOP), Cyber Security Insurance | Over 100 years of experience; Custom-tailored insurance solutions with an easy-to-use digital platform |
| Tivly | Connects businesses with 200+ insurance providers, Instant quotes and affordable coverage | Connects businesses with 200+ insurance providers; Instant quotes and affordable coverage |
| InsuranceBee | Cyber Coverage, General Liability, Professional Liability, Business Owner’s Policies, Management Liability | Specializes in small businesses, freelancers, and independent contractors; Quick online quotes and policy adjustments |
| BizInsure | General Liability, Professional Liability, Business Owner’s Policy (BOP), Workers’ Compensation, Tools & Equipment Coverage | Tech-driven insurance solutions with human support; Quick policy purchase and instant certificate issuance |
| EK Insurance | Business Owners Policy, Workers’ Compensation, Commercial Auto, General Liability | Tailored coverage estimates within 24 hours; Serves healthcare, airports, and electronics sectors |
Top Cities in Missouri for Business Insurance
The following cities in Missouri provide the required infrastructure support and economic environments conducive to finding business insurance solutions through local agents or carriers operating within the states.
- Kansas City
- St. Louis
- Springfield
- Columbia
- Independence
- Lee’s Summit
- O’Fallon
- St. Joseph
- Joplin
- Jefferson City
Missouri Government Resources for Business Insurance
Check out these government resources about business insurance for the state of Missouri:
- Missouri Department of Insurance, Financial Institutions and Professional Registration
- Missouri Department of Commerce & Insurance
- U.S. Small Business Administration (SBA) – Kansas City District Office
- Missouri Secretary of State’s Office
- Missouri Workers’ Compensation Commission
Conclusion
Business insurance is a vital tool that protects companies from financial setbacks that they did not see coming. Coverage keeps your business resilient to keep moving on even when the times are challenging. For a reliable coverage plan, you should get in touch with these seven insurance providers, who will be more than willing to help you in this regard.
If you are looking to expand your services to financial hubs outside Missouri? Take a look at our feature on reliable business insurance firms in Georgia or top commercial insurance firms in Arizona. You can also browse through our listings of the leading business loan companies in Missouri for financing options. We at Sophisticated Investor will provide informed guidance that will help your firm achieve financial goals.
Brandi is a financial writer and entrepreneur with decades of expertise covering U.S. business and financial topics. Her work has been featured on Consumer Affairs, ASBN Small Business Network, Koho and many other top financial publications.
