Protection for Everyday Business Risks

General Liability Insurance in Missouri

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Coverage That Helps You Run a Safer, Stronger Business

Commercial Liability Insurance With Local Support

Every business, no matter the size or industry, faces risk. A slip-and-fall, a customer injury, or accidental property damage could lead to costly lawsuits. At Fortner Insurance, we help Missouri businesses, from storefronts and offices to nonprofits and contractors, build general liability policies that protect against everyday exposures. Whether you’re just starting out or reviewing your existing GL policy, we’ll help you understand your risks and choose the right level of protection.

What We Offer

General Liability Coverage for Missouri Businesses and Organizations

Bodily Injury Liability

Covers injuries to third parties that happen on your property or because of your business operations.

Property Damage Liability

Covers accidental damage to someone else’s property caused by your business.

Medical Payments Coverage

Pays for minor injuries to customers or clients without needing a lawsuit.

Legal Defense Costs

Helps cover attorney fees, settlements, and judgments if your business is sued.

Products & Completed Operations

Protects against claims related to your work, services, or sold products.

Advertising & Personal Injury

Covers issues like copyright infringement, defamation, or slander.

Customizable Limits & Endorsements

We tailor coverage to fit your operation, and can combine it with business property insurance or workers’ comp for a full package.

Why Missouri Businesses Trust Fortner

Straightforward Coverage. Local Agents. No Surprises.

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We Work With Businesses Like Yours

From independent contractors to nonprofits and retail shops, we help Missouri businesses manage risk with clarity and confidence.

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We Make the Process Easy

Whether it’s a COI request, a new quote, or a coverage question, we’re here, and we answer the phone.

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We Help You Stay Compliant

We know what your landlord, clients, or licensing boards require, and we’ll make sure your policy meets those needs.

General Liability FAQs

What Missouri Business Owners Ask Most

  • Who needs general liability insurance?

    Nearly every business. If you interact with clients, customers, vendors, or the public—you need liability protection.

  • Is general liability insurance required in Missouri?

    It’s not required by law, but many landlords, clients, and contracts do require proof of coverage.

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

    General liability covers physical damage or injury. Professional liability covers errors or omissions in your work or advice.

  • How much does a general liability policy cost in Missouri?

    It depends on your industry, size, and coverage needs. We’ll compare carriers to find an affordable, reliable policy.

  • Can I bundle general liability with other coverage?

    Yes. Many small businesses combine it with property, business auto, or (workers' compensation insurance) for convenience and savings.