MoneyGeek determined the top general liability insurance companies in Missouri by considering key factors like cost, financial stability, customer satisfaction and online quote processing. Based on our analysis, Thimble came out on top as the best general liability insurance company in Missouri. For LLCs with 20 employees, Thimble charges an average monthly premium of $63, and for sole proprietors without employees, the average monthly cost is $22.

In terms of affordability, Next is the cheapest general liability insurance provider in Missouri for small businesses. A general liability policy from Next costs $26 per month for LLCs with 20 employees and $25 per month for sole proprietors with no employees.

MoneyGeek Logo IconBest General LiabilityMissouri

Best General Liability Insurance in Missouri

Why Trust MoneyGeek? We collected 1,229 general liability insurance quotes and analyzed cost information alongside customer satisfaction and financial stability reports to determine the best general liability insurance companies for small businesses in Missouri.

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Coverage costs and company information for general liability insurance providers in Missouri were last updated in 2023.

1,229Quotes Analyzed
6 Companies Compared
50 Zip Codes

Best Overall General Liability Insurance in Missouri

The best general liability insurance company in Missouri is Thimble, which earned a MoneyGeek score of 91 out of 100.

The table below shows all of the companies we analyzed in Missouri, along with their ranking, average monthly premiums and MoneyGeek scores.

How was this MoneyGeek score calculated?

ThimbleMoneyGeek Score91Monthly Cost Without Employees$22Monthly Cost With 20 Employees$63
NationwideMoneyGeek Score90Monthly Cost Without Employees$35Monthly Cost With 20 Employees$36
The HartfordMoneyGeek Score89Monthly Cost Without Employees$31Monthly Cost With 20 Employees$55
NextMoneyGeek Score89Monthly Cost Without Employees$25Monthly Cost With 20 Employees$26
biBERKMoneyGeek Score88Monthly Cost Without Employees$23Monthly Cost With 20 EmployeesNo Data
HiscoxMoneyGeek Score84Monthly Cost Without Employees$29Monthly Cost With 20 Employees$108
Best OverallScore: 91
3/5LLC Affordability
5/5Sole Proprietor Affordability
2/5Customer Satisfaction
3/5Financial Stability
5/5Online Quote Process

Offers the most affordable policies for sole proprietors

Fast online quote system

Strong financial stability rating


Relatively high rate for LLCs

Below-average customer satisfaction score

Company Highlights

We choose Thimble as the best option for general liability insurance in Missouri because it offers affordable rates, strong financial stability and a very fast online quote process. Timble has the cheapest liability insurance policies for sole proprietors at $22 per month, although LLCs may get cheaper rates from other companies.

Thimble's financial stability gives clients confidence in the company's ability to pay out claims. Additionally, it has the fastest online quoting processes in our comparison group, allowing prospective customers to receive an estimate in under a minute.

Cheapest General Liability Insurance in Missouri

Next offers Missouri's cheapest general liability insurance, with an average monthly cost of $26 for LLCs with 20 employees and $25 for sole proprietors.

To rank insurers in this category, we established an affordability score that combines the monthly cost for both sole proprietors and LLCs. Therefore, our winner's pricing may not be the cheapest for both business types.

How was this MoneyGeek score calculated?

CheapestScore: 96
5/5LLC Affordability
4/5Sole Proprietor Affordability
0/5Customer Satisfaction
2/5Financial Stability
4/5Online Quote Process

Cheapest general liability policy for LLCs and third-cheapest for sole proprietors

Relatively fast online quoting system


Lowest financial stability rating in our comparison group

Company Highlights

When looking at the average pricing for both LLCs and sole proprietors, Next is the cheapest overall general liability insurance provider in Missouri. Among the six insurers we evaluated, it offers the lowest cost for LLCs at $26 per month and the third-lowest premium for sole proprietors at $25 per month.

Next received an A- rating from AM Best, suggesting that it will likely meet its financial obligations, but other insurance companies we looked at received better ratings. Next also provides an online quoting system, which works faster than most other companies'.

Best General Liability Insurance for Employers in Missouri

In Missouri, Nationwide offers employers the best general liability coverage, with an excellent MoneyGeek score of 96 out of 100. Our rankings in this category are based on the average monthly premium for LLCs with 20 employees. Nationwide's average rate for LLCs is $36 per month.

The price of general liability insurance is significantly influenced by the number of employees that work for a given business. A company will likely pay less than this average premium if it has fewer than 20 employees; conversely, those with more than 20 employees would likely pay more.

How was this MoneyGeek score calculated?

Best for EmployersScore: 96
4/5LLC Affordability
5/5Customer Satisfaction
4/5Financial Stability
3/5Online Quote Process

Second-cheapest general liability insurance policies for LLCs

Excellent financial stability and customer service ratings


Slowest online quoting system among the providers we evaluated

Company Highlights

Due to its cheap pricing, superior customer service and high rating for financial stability, Nationwide is the best general liability insurance provider for employers in Missouri. The average monthly insurance rate for LLCs with 20 employees is $36.

Employers may rest easy knowing that Nationwide offers financial protection for their businesses against unexpected liability claims. The low number of complaints the company receives from clients indicate that it usually meets the standards of its policyholders. Additionally, Nationwide has strong financial standing, so paying out claims is not likely to be a problem.

Best General Liability Insurance for Sole Proprietors in Missouri

biBERK provides the best general liability insurance for sole proprietors in Missouri, earning a MoneyGeek rating of 97 out of 100. The company has an average monthly premium of $23 per month.

Our rankings for this category are based on the average monthly cost for sole proprietors with no employees. If you work in a riskier industry like construction, your insurance premiums may be higher.

How was this MoneyGeek score calculated?

Best for Sole ProprietorsScore: 97
5/5Sole Proprietor Affordability
4/5Customer Satisfaction
5/5Financial Stability
3/5Online Quote Process

Offers the second-cheapest rates for sole proprietors

Low percentage of customer complaints

Excellent financial strength rating


Slow online quoting system compared to competitors

Company Highlights

MoneyGeek determined that biBERK is the best general liability insurance provider for sole proprietors in Missouri. According to our analysis, its policies cost $23 a month on average, which is cheaper than most of its competitors.

When looking for an insurance company that can handle your claims, biBERK offers the superior financial strength you need — AM Best gave it the highest possible rating of A++ for financial stability. biBERK also boasts a high client satisfaction score, meaning it receives fewer complaints than the average insurer and making it a solid choice for sole proprietors.

Do You Need General Liability Insurance in Missouri?

Although general liability insurance is not required by Missouri state law, it's sensible to purchase a policy to protect your business from financial damages that you could be responsible for if a third party files a claim or lawsuit against your business. It may also be required in some industries in order to get contracts or business permits.

General liability insurance provides coverage for:

  • Third-party property damage: General liability insurance pays for expenses related to property damage to third parties caused by your business or employees.
  • Third-party bodily injuries: General liability insurance helps pay for medical costs if a customer is injured at your business.
  • Personal and advertising injury: If your business or staff members are sued for copyright infringement, libel or slander, general liability insurance will cover your legal costs.

Businesses in Missouri are required to carry other types of business insurance, including workers' compensation insurance, if they have five or more employees. In addition, commercial auto insurance for company-owned vehicles must include the following minimum liability limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
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The Missouri Small Business Development Center Program offers up-to-date training and technical support for small business owners. It assists small businesses with marketing, production, feasibility studies and engineering and technical issues. Both current and potential small business owners are eligible for assistance.

How Much Is General Liability Insurance in Missouri?

General liability insurance in Missouri averages $57 per month for LLCs with 20 employees and $27 for sole proprietors with no employees.

These costs are based on a policy with a $0 deductible, a $1 million occurrence limit and a $2 million aggregate limit. The aggregate limit denotes the maximum amount an insurance provider will pay out for claims over a policy period, whereas the occurrence limit denotes the maximum amount an insurer will pay per claim. The deductible is the amount business owners must pay before their insurance starts to pay claims.

Factors That Impact General Liability Insurance Costs in Missouri

General liability insurance rates for a given business depend on various factors, including:

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    Policy limits

    General liability insurance includes an occurrence limit (the total amount your insurer will pay for each claim) and an aggregate limit (the total amount your insurance will pay out over the duration of the policy). Higher limits will generally result in a higher premium.

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    Number of employees and payroll costs

    Businesses with a greater number of employees can expect to pay more for general liability insurance. In Missouri, for example, our data shows that the average cost for a sole proprietor is cheaper than for LLCs with 20 employees.

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    Business location

    The cost of general liability insurance may differ based on your company's location. Businesses that operate in densely populated areas generally pay higher rates because claim submissions tend to be more frequent.

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    Claims history

    Clients without prior claims are frequently eligible for lower general liability insurance rates since insurers consider them to be lower-risk clients.

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    The industry in which you operate has an impact on your insurance premiums. For instance, the cost of general liability insurance might be higher if you work in a high-risk industry like construction. The average cost of general liability insurance in Missouri varies based on the type of business, as shown in the table below.

CleaningMonthly Cost Without Employees$71Monthly Cost With 20 Employees$1,250
Software DevelopmentMonthly Cost Without Employees$27Monthly Cost With 20 Employees$57
General ContractorMonthly Cost Without Employees$143Monthly Cost With 20 Employees$2,035

Frequently Asked Questions About General Liability Insurance in Missouri

The best general liability insurance policy for you will depend on a number of factors, like the industry you work in and the number of people you employ. Here are answers to some of the most frequently asked questions on this topic to guide you as you make your decision.

Which company has the best general liability insurance in Missouri?
Which company has the cheapest general liability insurance in Missouri?
What does general liability insurance cover in Missouri?
Does Missouri require businesses to have general liability insurance?

About Melissa Wylie

Melissa Wylie headshot

Melissa Wylie is a Content and SEO Manager at MoneyGeek. Melissa has worked in the financial content space since 2018 and has spent much of that time focused on all things small business.

Prior to joining MoneyGeek, Melissa held SEO positions at Bankrate and LendingTree. Melissa’s work has also appeared on LendingTree-owned websites ValuePenguin and MagnifyMoney.

Melissa began her career at American City Business Journals in 2015 as a reporter for the company’s women-focused publication Bizwomen. Melissa has a Bachelor of Arts in Journalism from the University of North Texas. Melissa relies on her foundation in journalism to craft content that simplifies complex financial topics to help everyone feel confident when making decisions with their money.

Melissa's other work can be read on LendingTree and Bizwomen.