The coverage library
Understand what each policy protects, where its limits are, and how it fits your business or nonprofit.
Common starting points to discuss with an advisor.
Explore your protection
Four practical groups. Fourteen coverage guides.
A clearer picture of what each one does.
The buildings, equipment, stock and vehicles you need in order to operate.
Protects buildings, equipment, inventory, and furnishings against covered losses. Flood and earthquake generally need separate coverage.
Cost-effective bundle combining general liability and commercial property into a single, comprehensive policy.
Commercial auto insurance in Missouri covers liability for accidents in vehicles your business owns or leases, and can pay to repair or replace them.
Protects your organization when staff or volunteers drive their own or rented vehicles for you.
Staff, volunteers and the participants your programs serve.
Helps pay medical costs and part of lost wages for work-related employee injuries or illnesses. Requirements vary by state, employer size, and industry.
Financial protection from employee lawsuits alleging harassment, wrongful termination, or discrimination.
Coverage for allegations of abuse or molestation involving staff, volunteers, or program participants.
What responds when someone outside your organization says you caused them harm.
General liability insurance in Missouri responds to everyday claims: a customer hurt on your premises, property you damage, or a libel or slander claim.
Coverage if your organization is sued for mistakes, negligence, or failure to deliver professional services.
Cyber liability insurance in Missouri responds to data breaches, ransomware, network intrusions, privacy liability and funds-transfer fraud.
Extra liability limits that sit above your existing policies when a large claim exhausts them.
Decisions made by your board and officers, and the funds they are responsible for.
Protects your board members and executives against claims alleging wrongful acts in managing the organization.
Protects those who manage your retirement or benefit plans from personal liability for plan decisions.
Protects against financial losses from employee theft, embezzlement, forgery, fraud, and robbery.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
Real situations. Clear explanations.
Liability protection for Missouri businesses and nonprofits facing covered claims from customers, visitors or other third parties.
A visitor slips in your facility and breaks their arm
Other policies may address some exclusions, subject to their own terms and limits.
Availability, eligibility, limits, exclusions, conditions and coverage terms vary by insurer, policy form, endorsement, jurisdiction and individual risk. This is general information, not insurance, legal or tax advice.
A few useful answers
Start with your property, people, services, contracts, and leadership responsibilities. The four groups in this library help you explore the policies that may address those risks. An advisor can help you assess your needs, eligibility, limits, and exclusions before you choose coverage.
Yes. Share your current policy to start a coverage review. Your declarations page is a useful starting point, but a review also considers policy forms, endorsements, exclusions, and how your organization operates. A summary alone does not confirm whether a particular claim is covered.
Each policy has a defined scope, limits, conditions, and exclusions. A Business Owners Policy combines general liability and commercial property, but it does not replace every other coverage. Explore the individual guides and discuss how different policies may work together with an advisor.
