— Find insurance quotes for business owners and compare
Find the Right Business Insurance Coverage
Business owners need insurance that fits how their company actually operates — not a generic policy. We help compare insurance quotes from 100+ carriers, with coverage options for liability, commercial property, workers’ compensation, commercial auto, cyber liability, and more. Many Missouri contracts and employee requirements make certain coverages essential, and we’ll help you understand exactly what your business needs.
General liability insurance helps protect business owners against claims involving bodily injury, property damage, and everyday liability risks.
Who it’s for: Best for contractors, service businesses, retail shops, offices, and many small businesses that interact with customers, clients, or the public.
Commercial property insurance helps cover your building, equipment, inventory, furniture, and other physical business assets from covered losses.
Who it’s for: Ideal for business owners who own or lease office space, storefronts, warehouses, or other commercial property.
Workers’ compensation insurance helps cover medical expenses, lost wages, and workplace injury claims for employees injured on the job.
Who it’s for: Most Missouri employers with five or more employees are required to carry workers’ compensation coverage — we help you stay compliant while finding the right cost-effective plan.
Commercial auto insurance helps protect vehicles used for business with coverage for accidents, liability, property damage, and other road-related risks.
Who it’s for: A strong fit for business owners who use cars, trucks, vans, or fleets for deliveries, service calls, transportation, or daily operations.
A business owners policy combines key coverages like general liability and commercial property insurance into one convenient policy for many small businesses.
Who it’s for: Great for small to mid-sized business owners looking for bundled protection for their property and liability exposures.
Professional liability insurance helps protect against claims involving mistakes, negligence, missed deadlines, or professional services provided to clients.
Who it’s for: Best for consultants, agencies, professional firms, and service-based business owners who provide advice, expertise, or specialized services.
Cyber liability insurance helps protect businesses from losses related to data breaches, cyberattacks, ransomware, and other digital threats.
Who it’s for: Recommended for business owners who store customer information, process payments, use cloud systems, or rely on technology in daily operations.
Umbrella and excess liability insurance provide additional liability limits above your underlying business insurance policies for larger claims.
Who it’s for: Helpful for business owners who want added protection beyond standard liability limits, especially in higher-risk industries.
Tools and equipment insurance helps protect the valuable tools, machinery, and mobile equipment your business relies on every day.
Who it’s for: Ideal for contractors, landscapers, trade professionals, and business owners who transport or use specialized equipment on job sites.
Why Business Owners Work With Hereth Insurance Consulting
- Access to 100+ Insurance Companies
- Local Missouri Expertise
- Specialized Commercial Insurance support
- Fast Certificates of Insurance
- Long-Term Advisory Approach
How We Help Business Owners Compare Quotes
Simple 3-step process:
- Tell us about your business
- We compare coverage options across carriers
- Review your quote options and choose the best fit for you
— FAQ's
Frequently Asked Questions About Insurance Quotes for Business Owners
Business owners often need quotes for general liability, commercial property, workers’ compensation, commercial auto, professional liability, cyber liability, and business owners policies. We help you figure out the right mix based on your industry, employees, vehicles, property, and day-to-day business risks.
Business insurance quotes are based on details like your industry, business operations, payroll, revenue, number of employees, vehicles, property, claims history, and coverage needs. Once we review that information, we compare coverage options and pricing across 100+ carriers to help you find the right protection for your business.
A business owners policy, often called a BOP, typically combines general liability insurance and commercial property insurance into one policy. It is designed to help protect many small and mid-sized businesses from common property and liability risks.
Yes. As an independent agency, we compare quotes from 100+ insurance carriers so you can review coverage options, limits, deductibles, and pricing side by side — and find a policy that actually fits your business and budget.
Yes. New business owners can get coverage based on the type of business they’re starting and the risks involved. We help you get protected from day one — coverage that may also be required for leases, contracts, or licensing.
The insurance your small business needs depends on its operations, property, employees, vehicles, contracts, and risk exposure. Most small businesses start with general liability insurance and add other coverage as they grow — we can help you map out the right path.
In Missouri, most employers with five or more employees are required to carry workers’ compensation insurance. It protects your business by covering medical costs and lost wages for employees injured on the job – we can help you find a compliant, cost-effective plan.
Timing can vary based on your policy and request, but we know contractors and business owners often need certificates fast – for job sites, landlords, vendors, or contracts. We handle most certificate of insurance requests the same day, so you’re never held up.
General liability insurance is an important foundation, but it usually isn’t enough on its own. Most businesses also need commercial property, workers’ compensation, commercial auto, or professional liability coverage. We’ll review how your business actually operates and recommend the right combination.