Various events may disrupt your business operations and affect your business assets. This makes commercial insurance an essential addition for all business owners in Missouri to minimize losses from accidents and unexpected situations. That raises the question, what types of business insurance are available?
David Pope Insurance Services, LLC offers a wide range of commercial insurance in Missouri, which our experts customize to your business needs to ensure you receive all the necessary protection at the lowest price possible.
Commercial insurance or business insurance in Missouri protects against losses for unexpected events during everyday business operations. This can include natural disasters, accidents or lawsuits. Comprehensive commercial insurance is essential because it may lead to personal financial exposure due to costs business owners may be unable to cover on their own.
Businesses can choose from various types of commercial insurance. This choice often depends on potential risks associated with the company’s work operations and the environment. The U.S. Small Business Administration (SBA) states that federal law requires all businesses with employees to have certain types of coverage, from workers’ compensation to disability insurance.
According to Missouri state law, all businesses with five or more employees should get coverage. In the construction industry, even if an employer only has one employee, state law requires them to get insurance. This is relevant whether the employee is temporary or seasonal or is working full-time or part-time. When local businesses in Missouri that are exempt from this law decide to avoid getting coverage, the employer may face civil lawsuits from employees if they become injured at work.
As a family-owned business insurance broker in Missouri, we understand the importance of affordable insurance that leaves room for you to take care of those you care about at the same time. Unlike other Missouri insurance brokers, we strive to help you get the lowest rates, even if that entails advising a client to handle an issue out-of-pocket rather than filing a claim that might include increased rates.
We’re also happy to offer our clients a flexible schedule and a commercial policy tailored to your specific business needs. David Pope Insurance does this by working with some of the most capable insurance companies and offering a wide range of insurance policies for enhanced protection against potential risks. You can trust that as a reliable and highly-rated insurance agency with over 15 years of experience, we’ll work to improve your financial stability and peace of mind.
Whether you’re a commercial farmer who wants to protect your livestock and crops or a company that frequently works with cars, David Pope Insurance offers various types of tailored business insurance policies to suit the different company sizes and industry types. Here are five of our most popular commercial insurance policies.
Missouri law requires all vehicle owners to have a type of motor vehicle insurance coverage. Our commercial auto insurance helps protect your company financially when there is damage to company vehicles, property damage or injuries related to the vehicle. This is critical insurance for businesses, whether they have one vehicle or 50, because your personal auto policy may be unable to cover a vehicle that workers use for business purposes.
According to state law, you should have a minimum coverage of:
While Missouri state law exempts commercial farm laborers from workers’ compensation coverage, farms may still encounter losses caused by major weather events, natural disasters, disease or insect infestation. To protect yourself from expenses related to illnesses, disabilities and work injuries, David Pope Insurance provides coverage packages to fund the associated costs. Speak with one of our Missouri insurance brokers to see whether your agricultural business qualifies.
For more comprehensive commercial insurance, you might benefit from choosing the complete agricultural insurance policy, which includes coverage for farm equipment, machinery, supplies and personal property. The additional coverage for any garages, sheds and barns where you store your livestock or farm equipment may also be a helpful option.
Many business owners’ policy (BOP) bundles combine property insurance and liability coverage in one plan, leaving clients to include additional policies for extra coverage. At David Pope Insurance, our business owner package insurance combines everything your company might need, including:
This may be a worthwhile option if your employees use vehicles to transport goods, someone might damage or steal your business assets, delays occur due to unforeseeable reasons, or there’s a chance of an employee, client or customer taking legal action against you. It may help to compare Missouri commercial insurance quotes and weigh your benefits to reach a suitable decision.
Even as a small business, you might require insurance depending on your unique business operations and the potential risks you could face. A David Pope Insurance agent in Missouri can listen and understand your needs and customize a small business policy to counter the risks your business might face. This can include the necessary protection that comes with workers’ compensation insurance, general liability insurance, property insurance and interruption insurance.
The construction industry often requires a more thorough insurance plan due to the unique risks the business and workers might encounter. In addition to workers’ compensation insurance, building and construction projects might be at risk of other issues due to their expensive equipment, fixtures and materials. These include:
These damages often lead to increased project time, additional costs and expensive replacements. David Pope Insurance’s comprehensive builder’s risk insurance can be a great way to minimize the impact of these potential risks.
You deserve to work with an insurance agency that wants what’s best for your company. The biggest benefit of working with David Pope Insurance is that we offer comprehensive, personalized insurance policies to cover your unique protection needs.
One of our business insurance agents in Missouri will work to efficiently assist you by finishing your quote and answering your questions within the same day. For reliable policies with affordable rates, contact our knowledge experts for more information or request a commercial insurance quote in Missouri today.
Rick BaileyVery helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.
Robbie BaileyDavid Pope and his son are wonderful people 10 outta 10.
George HodakNever had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.
Philip GerberYour insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.
Jim ArnoVery helpful with giving me options for insurance. Helped with transition from my past insurance company.
Jonathan MitchellMy home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.
Kristy HulseyCustomer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!
Travis OwensThe staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.
Yvonne HeinzThe customer service is fantastic and the price is a great value.
Union AmbulanceVery knowledgeable and gets us the best price on insurance.
Justin HulseyI could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!
Pauli AnschutzI am very happy with the service my family receives with David Pope Insurance. I highly recommend!
Brandon BealIt has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!
Jaron BondIt was easy and simple to setup my home and auto insurance. No complaints here at all.
Oakley CorbinGreat! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!
Alan EakerDavid was very easy to work with and get switched over to the new insurance wit great pricing!!
Andrew CapkovicThis guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.
Jacqueline WardWhen I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.
Ali KExcellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!
Gayle BDavid Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.
Mary FI have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.
Steve KThis agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!
Nicole BMy experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!