Coverage That Supports Your Work

Business Insurance in Missouri

From small shops to growing nonprofits, Missouri businesses trust Fortner Insurance for clear, personalized coverage. We help organizations across the state, especially in Joplin, Branson, Republic, and surrounding areas, protect their people, property, and day-to-day operations with insurance that works as hard as they do.

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General Liability Insurance

Covers bodily injury or property damage claims, an essential policy for nearly every business.

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Commercial Property Insurance

Protects your building, contents, equipment, and inventory against loss or damage.

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Workers’ Compensation Insurance

Required in Missouri if you have 5 or more employees. Covers workplace injuries and lost wages.

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Commercial Auto Insurance

Covers vehicles used for business, whether you have one car or a fleet of trucks.

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Professional Liability (E&O Insurance)

Protects against claims of errors, omissions, or negligence in professional services or advice.

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Cyber Liability Insurance

Covers data breaches, ransomware, and online exposures that impact your customers or systems.

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Commercial Umbrella Insurance

Adds extra liability protection on top of your core business policies.

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Surety & Fidelity Bonds

Fortner offers a full range of contractor bonds, license/permit bonds, and employee dishonesty bonds.

Business Insurance FAQs

What Missouri Business Owners Want to Know

  • What does business insurance cover?

    It depends on your operation. Most businesses start with general liability and property coverage, then add based on employees, vehicles, contracts, and risks.

  • How much is small business insurance in Missouri?

    Costs vary by industry, size, and coverage, but we’ll help you compare affordable options that meet your legal and contractual requirements.

  • Do I need workers comp if I have five employees?

    Yes. In Missouri, workers’ compensation is required if you have five or more employees (or even one, if you're in construction).

  • What’s the difference between general liability and professional liability?

    General liability covers physical injuries or property damage. Professional liability (E&O) covers mistakes in your services or advice.

  • Can I bundle business insurance policies?

    Absolutely. Many clients bundle general liability and property in a Business Owners Policy (BOP) for simplicity and savings.

Offering Benefits to Your Employees?

In addition to business insurance, we also help Missouri employers design competitive Employee Benefits packages, including group health, dental, life, and disability coverage.