Commercial Insurance in Missouri

With two major metropolitan cities, low corporate income tax, as well as being a leader in financial services, IT, and automobile suppliers, Missouri offers business-boosting incentives and a favorable business environment for your business to thrive. However, even the most stable of businesses are susceptible to risks. Focus Insurance provides commercial insurance policies designed to suit your industry and the size of your business.

Not all commercial operations must have commercial insurance except for those with employees and those that own company vehicles. Running a business opens the doors to several potential risks ranging from lawsuits to property damage and even business interruption. If you are in need of commerical coverage, in St. Louis, MO or any of the other 38 states we are licensed in, consult with Focus Insurance to ensure your needs are met and business assets are property covered.

The common coverage options available for commercial insurance include:

• Workers compensation: The law mandates employers to offer safe working environments for their employees. But, accidents still happen even when you take reasonable safety measures. This part of your policy covers employees when they suffer work-related injuries or illnesses.
• Commercial auto: You need the same type of coverage (liability, comprehensive, collision, uninsured/underinsured, etc.) for your company vehicles as you do for your personal vehicles.
• General liability: Chances of businesses getting sued have grown over the years. And, a simple lawsuit could turn into a financial disaster. Liability coverage offers financial protection if your business is held legally responsible for third-party bodily injury or property damage.
• Property: This repairs/replaces property that is used in the business and that your business owns such as furniture, stock, equipment, and additional structures in case they are damaged/destroyed by a covered loss.
• Business income: Covers loss of income and extra business expenses in case a covered loss interrupts your business operations.

At Focus Insurance, we offer customized coverages at competitive rates. No single commercial operation is similar to the other; therefore, our agents will work with you to determine what coverage option suits your Missouri business needs. Contact us today and protect your business from unforeseen risks.