Missouri has 6,191,814 residents. We list 151 agencies for commercial property insurance in Missouri. Here is what the local numbers say about the cover people here need.

Missouri at a glance

151commercial property insurance agencies listed
31.9%of households rentRenters insurance
$230,300median home valueHome insurance
1978median year homes were builtRebuild cost calculator
6.6%of households have no carAuto insurance
5.2%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk across Missouri

How many of Missouri’s 114 counties FEMA rates Relatively High or Very High for each hazard, compared with other U.S. counties.

Ice storm38 of 114 counties
Very High in Greene County, Dallas County, Taney County and 5 more.
Strong wind19 of 114 counties
Very High in Stone County, Jefferson County, St. Charles County.
Some insurers exclude windstorm and hail from the main home policy or set a separate deductible for them. Ask the agent which applies.
Home insurance in Missouri
Lightning10 of 114 counties
Fire and lightning are standard covered causes of loss on home policies.
Home insurance in Missouri
Tornado8 of 114 counties
Very High in Jackson County, St. Louis City.
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Missouri
Winter weather8 of 114 counties
Very High in Greene County.
Inland flooding3 of 114 counties
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in every state

Source: FEMA National Risk Index, December 2025 release.

Car insurance rules in Missouri

Missouri requires drivers to carry at least $25,000 of bodily injury liability per person, $50,000 per accident and $25,000 of property damage liability, often written 25/50/25. It also requires uninsured motorist coverage ($25,000 per person, $50,000 per accident).

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Missouri How much liability cover do you need?

Source: revisor.mo.gov. Checked 2026-10-24.

Insurance companies Missouri agencies work with

Of the 151 Missouri agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Travelers104 agencies
Liberty Mutual90 agencies
Safeco83 agencies
The Hartford81 agencies
Liberty Mutual (Safeco)73 agencies
Nationwide73 agencies
Travelers (Standard Fire)70 agencies
Progressive64 agencies
Nationwide (Colonial)63 agencies
Nationwide (Allied)62 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Commercial Property insurance in Missouri

All insurance agencies in Missouri · Commercial Property insurance in every state

Where can I find commercial property insurance in Missouri?

Pick your city in the list on this page to see every agency there that offers commercial property insurance, or search by name or ZIP code.

What does commercial property insurance cover?

Covers your building, stock, equipment and fit-out.

Which insurance companies do Missouri agencies work with?

Among the 151 Missouri agencies whose appointments we hold, the companies they are most often appointed with are Travelers (104), Liberty Mutual (90), Safeco (83), The Hartford (81), Liberty Mutual (Safeco) (73). An appointed agency can quote that company's policies.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

For insurance agencies

Is your Missouri agency listed?

Claim your free listing to keep your details right, then add your logo, website and social profiles.

Claim your listing