ERGO NEXT ranks first in Missouri for professional liability insurance, earning recognition for highly-rated customer service, tailored coverage matching and instant certificate access via its digital platform. The Hartford delivers the cheapest professional indemnity insurer rates statewide at $71 monthly ($6 below Missouri's $77 average). Simply Business, Coverdash and Nationwide complete your top errors and omissions insurance options in Missouri.
Best Professional Liability Insurance in Missouri
Get MO professional liability insurance quotes starting at $25 monthly from MoneyGeek's top companies like ERGO NEXT, The Hartford and Simply Business.
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Updated: January 30, 2026
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Professional Liability Insurance in Missouri: Key Takeaways
ERGO NEXT provides the best professional liability insurance in Missouri, while The Hartford delivers the most affordable coverage starting at $71 monthly (Read More).
Professional liability insurance costs in Missouri average $77 monthly ($923 annually), placing the state among the more affordable options nationwide (Read More).
Professional liability insurance protects Missouri businesses from financial losses caused by professional mistakes, missed deadlines and claims of inadequate work performance (Read More).
Professional liability coverage remains optional for most Missouri businesses, though health care providers and other regulated professions must maintain this protection (Read More).
Missouri business owners benefit from requesting small business insurance quotes from multiple carriers to identify the most suitable coverage and pricing for their specific industry (Read More).
Best Professional Liability Insurance Companies in Missouri
| ERGO NEXT | 4.74 | $72 |
| The Hartford | 4.61 | $71 |
| Simply Business | 4.53 | $75 |
| Coverdash | 4.46 | $77 |
| Nationwide | 4.45 | $82 |
| biBERK | 4.44 | $79 |
| Progressive Commercial | 4.40 | $75 |
| Hiscox | 4.37 | $77 |
| Chubb | 4.28 | $88 |
| Thimble | 4.25 | $75 |
How Did We Determine the Best Professional Liability Insurance in Missouri?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
LEARN MORE ABOUT BUSINESS INSURANCE IN MISSOURI
Professional liability insurance in Missouri is just one piece of protecting your business. Explore these additional state-specific guides to build comprehensive coverage:
1. ERGO NEXT: Best Professional Liability Insurance in MO
pros
Tops Missouri rankings for professional liability insurance overall
Ranks first nationally for digital experience and policy management
Instant certificate access in 10 minutes via mobile app
Backed by Munich Re with A+ Superior AM Best rating
Personalized coverage matching for both types and limit amounts
cons
Less than 10 years in business (founded 2016)
Claims handling ranks fourth nationally, not first
Digital-only model without local agent offices
COMPANY HIGHLIGHTS
Missouri business owners save $60 annually with ERGO NEXT's $72 monthly rate while securing coverage fast enough to meet same-day client deadlines. Kansas City consultants need proof of insurance today and ERGO NEXT delivers certificates instantly without waiting for business hours or agent callbacks. St. Louis professionals manage multiple client insurance requirements themselves through the mobile app, eliminating delays that could cost contracts. ERGO NEXT's Munich Re backing and A+ rating mean claims get paid when professional mistakes happen.
2. The Hartford: Cheapest Professional Liability Insurance in MO
pros
Cheapest professional liability insurance in Missouri
Ranks first nationally for claims processing and customer satisfaction
Strongest financial stability rating ensures claims get paid reliably
Specialized E&O policies for tech, legal and medical professionals
cons
Digital experience ranks tenth nationally among major competitors
Requires agent conversation to finalize policy purchases
Not available in Alaska or Hawaii
COMPANY HIGHLIGHTS
Missouri business owners keep $74 extra annually with The Hartford's $71 monthly rate while getting reimbursed faster when lawsuits arrive. Kansas City consultants don't have to wait six months for legal bills because The Hartford covers them immediately after negligence claims. St. Louis tech firms avoid bankruptcy after data breach lawsuits through specialized coverage that understands software liability. The insurer's A+ Superior rating and 200+ years mean claims actually get paid when professional mistakes happen.
3. Simply Business: Best Professional Liability Insurance Coverage Options in MO
pros
Get approved after direct insurers reject your business
Find specialized coverage for hard-to-insure risks in 10 minutes
Compare 16+ insurers without calling each one separately
Claims get paid reliably through A++-rated carrier network
cons
Wait longer for claim resolution than direct insurer competitors
Offers higher professional liability rates than other providers
Work through broker rather than direct insurer relationship
COMPANY HIGHLIGHTS
Missouri business owners can avoid going uninsured after direct insurers reject them since Simply Business's 16-carrier network finds coverage for hard-to-insure businesses others won't touch. Kansas City consultants needing specialized tech E&O save hours by comparing multiple carriers in 10 minutes instead of spending days calling each separately. St. Louis event planners with liquor liability risks or contractors needing pollution coverage get exact policy matches instead of settling for close-enough protection from single insurers.
Average Cost of Professional Liability Insurance in Missouri
Professional liability insurance costs in Missouri show significant variation across industries. Home-based businesses pay the most affordable rates at around $36 per month, while mortgage brokers face the highest costs at approximately $165 per month. The filtering tool below helps you find specific rates for your industry in Missouri.
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| Accountants | $145 | $1,737 |
| Ad Agency | $99 | $1,182 |
| Auto Repair | $83 | $1,002 |
| Automotive | $75 | $899 |
| Bakery | $53 | $631 |
| Barber | $42 | $506 |
| Beauty Salon | $47 | $568 |
| Bounce House | $57 | $685 |
| Candle | $42 | $505 |
| Cannabis | $121 | $1,453 |
| Catering | $80 | $955 |
| Cleaning | $54 | $652 |
| Coffee Shop | $61 | $736 |
| Computer Programming | $104 | $1,246 |
| Computer Repair | $62 | $740 |
| Construction | $76 | $912 |
| Consulting | $107 | $1,280 |
| Contractor | $63 | $751 |
| Courier | $49 | $582 |
| DJ | $45 | $542 |
| Daycare | $107 | $1,279 |
| Dental | $83 | $995 |
| Dog Grooming | $54 | $653 |
| Drone | $103 | $1,240 |
| Ecommerce | $61 | $735 |
| Electrical | $64 | $765 |
| Engineering | $105 | $1,265 |
| Excavation | $70 | $834 |
| Florist | $37 | $444 |
| Food | $109 | $1,308 |
| Food Truck | $58 | $700 |
| Funeral Home | $79 | $944 |
| Gardening | $40 | $479 |
| HVAC | $81 | $977 |
| Handyman | $54 | $648 |
| Home-based business | $36 | $435 |
| Hospitality | $73 | $875 |
| Janitorial | $49 | $591 |
| Jewelry | $60 | $715 |
| Junk Removal | $65 | $785 |
| Lawn/Landscaping | $50 | $605 |
| Lawyers | $146 | $1,751 |
| Manufacturing | $58 | $699 |
| Marine | $87 | $1,045 |
| Massage | $104 | $1,244 |
| Mortgage Broker | $165 | $1,981 |
| Moving | $81 | $975 |
| Nonprofit | $50 | $602 |
| Painting | $62 | $741 |
| Party Rental | $54 | $646 |
| Personal Training | $70 | $835 |
| Pest Control | $96 | $1,148 |
| Pet | $46 | $553 |
| Pharmacy | $56 | $668 |
| Photography | $63 | $752 |
| Physical Therapy | $93 | $1,120 |
| Plumbing | $89 | $1,069 |
| Pressure Washing | $57 | $678 |
| Real Estate | $124 | $1,486 |
| Restaurant | $81 | $973 |
| Retail | $55 | $658 |
| Roofing | $96 | $1,158 |
| Security | $101 | $1,206 |
| Snack Bars | $46 | $556 |
| Software | $92 | $1,109 |
| Spa/Wellness | $111 | $1,327 |
| Speech Therapist | $97 | $1,163 |
| Startup | $73 | $872 |
| Tech/IT | $97 | $1,164 |
| Transportation | $94 | $1,122 |
| Travel | $97 | $1,159 |
| Tree Service | $76 | $913 |
| Trucking | $109 | $1,307 |
| Tutoring | $59 | $712 |
| Veterinary | $116 | $1,391 |
| Wedding Planning | $76 | $914 |
| Welding | $77 | $926 |
| Wholesale | $60 | $724 |
| Window Cleaning | $61 | $736 |
How Did We Determine These Missouri Professional Liability Insurance Rates?
These rates are estimates based on MoneyGeek's proprietary analysis of small businesses with two employees across 79 major industries and should not be considered quotes. Your actual rate will differ based on business-specific factors. Contact insurers directly for accurate pricing tailored to your business needs.
What Does Missouri Professional Liability Insurance Cover?
Missouri professional liability insurance protects your business from liability damages that stem from negligence or when you can't fulfill your contractual duties. The coverage also handles legal expenses tied to these claims. This insurance goes by several other names:
- Errors and omissions insurance (E&O)
- Malpractice insurance (specialized type, typically in legal and medical fields)
- Professional indemnity insurance
How Much Professional Liability Insurance Do I Need in Missouri?
Missouri doesn't require professional liability insurance for most businesses. Physicians on hospital medical staffs in counties exceeding 75,000 residents must carry minimum $500,000 coverage under state law. Contract work requires $1 million per occurrence and $2 million aggregate annually. Medical professionals need $1 million per occurrence and $3 million aggregate to meet industry standards and fulfill client contract requirements.
Who Needs Professional Liability Insurance in Missouri?
Any Missouri business handling client contracts or facing professional negligence risks needs errors and omissions coverage. Missouri professionals in these industries should secure professional liability protection.
Tech professionals
Missouri's Information Technology sector drives growth in Kansas City and St. Louis, with major operations like Google's Kansas City data center attracting software development, data processing and technical consulting firms. Tech E&O insurance protects Missouri IT consultants from data breach lawsuits and software failure claims that could bankrupt businesses without specialized coverage designed for technology risks.
Financial and consulting professionals
Financial and Professional Services ranks among Missouri's major economic sectors per MERIC data, with Kansas City's banking presence and consulting firms statewide encompassing finance, insurance and professional services. Missouri consultants encounter negligence claims when clients allege poor advice caused investment losses or business failures requiring coverage for defense costs and settlement payments.
Medical professionals
Missouri law requires physicians on hospital medical staffs in counties exceeding 75,000 residents to carry minimum $500,000 professional liability coverage under RSMo Section 383.500. Health care providers in Kansas City, St. Louis and Columbia need malpractice insurance meeting hospital requirements and protecting against claims arising from patient care decisions.
Real estate professionals
Missouri's Real Estate Commission licenses agents and brokers throughout the state where three Foreign Trade Zones and central logistics positioning drive commercial real estate activity creating significant liability exposure. Errors and omissions insurance for real estate covers Missouri agents when clients sue over disclosure failures, contract errors or transaction mistakes that direct lawsuits and licensing board complaints.
Construction contractors
Kansas City and St. Louis require contractor licensing with mandatory insurance verification for construction businesses operating within city limits. Missouri contractors need professional liability coverage because city licensing requirements demand proof of insurance and client contracts in major metros specify coverage minimums before project work begins.
How to Get the Best Professional Liability Insurance in Missouri
Our step-by-step guide helps Missouri businesses navigate the professional liability insurance market to find coverage matching their needs and budget. Follow these six steps when getting business insurance that protects your Missouri business from professional negligence claims.
- 1
Assess your professional liability insurance coverage needs
Start by evaluating your business risks, client contract requirements and Missouri's industry-specific regulations you must satisfy. A Kansas City software developer serving Google data center clients needs different coverage limits than a Columbia health care consultant meeting RSMo Section 383.500's $500,000 minimum requirement for hospital medical staff work.
- 2
Work with a local agent
Find an agent familiar with Missouri's unique municipal licensing landscape who understands how business insurance costs vary between regulated and unregulated markets. Local agents explain whether your St. Louis construction business needs coverage meeting city licensing verification requirements or your Springfield consulting practice operates under different standards without municipal mandates.
- 3
Get quotes and compare coverage details
Request quotes from at least three insurers and compare policy terms like retroactive dates, defense costs and prior acts coverage rather than just premiums. A Jefferson City real estate broker handling Foreign Trade Zone commercial transactions should examine affordable business insurance coverage differences for complex liability exposures, not merely compare base rates.
- 4
Research the best providers
Look beyond premium costs when researching Missouri professional liability insurers. Check AM Best financial ratings, read reviews from professionals in your industry and verify the insurer understands Missouri's municipal contractor licensing requirements in Kansas City and St. Louis or medical liability statutes for health care providers.
- 5
Consider bundling discounts
Many Missouri insurers offer better rates when you combine professional liability with other types of business insurance like general liability or business owner policies. A St. Louis engineering firm working on infrastructure projects saves 20% annually, roughly $1,200, by bundling its professional and general liability coverage instead of purchasing separate policies.
- 6
Don't let your coverage lapse
Professional liability policies protect you only from lawsuits filed while your policy is active, even for work performed years earlier. A Kansas City financial advisor switching carriers after selling banking clients investment products should ensure the new policy covers prior acts or purchase tail coverage (extended reporting coverage) from the old insurer to maintain protection against claims from past advice.
Get Missouri Professional Liability Insurance Quotes
MoneyGeek matches you to leading professional liability insurers serving Missouri businesses in your industry. Our tool below finds the right coverage for your needs and delivers quotes customized to your business.
Get Matched to the Best MO Professional Liability Insurer for You
Select your industry and state to get a customized MO professional liability insurer match and get tailored quotes.
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Missouri Professional Liability: Bottom Line
Finding professional liability insurance in Missouri means understanding your business risks and choosing the right provider. ERGO NEXT earns our top rating for the state, but your industry, client contracts and budget should guide your decision. Start by assessing your coverage needs, then work with a local agent to compare options and secure coverage that financially protects your Missouri business.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.