From service vans to company pickups, Missouri businesses rely on their vehicles. Compare commercial auto insurance with a Blue Peak advisor.
Looking for commercial auto insurance in Missouri? A commercial policy can protect the vehicles your business owns or uses. A Blue Peak advisor can help you compare coverage and limits.
Missouri businesses use vehicles in many ways, from local deliveries to job sites. We help you find coverage that matches yours.
A commercial auto policy protects vehicles used for business. Here are the main coverages.
Liability can help pay for injuries and property damage your business vehicles cause to others, including legal defense costs.
Physical damage coverage can help repair or replace business vehicles after a crash, theft, hail, or other covered loss.
This coverage can help with liability when employees drive rented vehicles or their own cars for business errands.
These coverages can help with injuries to your drivers and passengers, depending on the policy and state rules.
A licensed Blue Peak advisor can review your options and help you request a quote.
Missouri requires auto liability of at least 25/50/25, plus uninsured motorist coverage. Many businesses carry much higher limits. Here are other points to consider.
Businesses that drive in Kansas City or St. Louis traffic and on rural roads face different risks.
Uninsured motorist coverage can help protect your drivers if they are hit by an uninsured driver.
Use these questions when you compare quotes or review your current policy:
The Missouri Department of Commerce and Insurance (DCI) licenses the insurers and agents that sell commercial auto insurance in Missouri. If you have a question about a claim or a company, DCI's consumer services team can help, and you can confirm any agent's license on the Missouri Department of Commerce and Insurance website.
Missouri faces tornadoes and hail every spring, flooding along the Missouri and Mississippi rivers, and earthquake risk from the New Madrid Seismic Zone in the southeast corner of the state. Missouri businesses face spring storm losses, heavy truck traffic on I-70 and I-44, and a mix of manufacturing, agriculture and logistics risks around Kansas City and St. Louis. Missouri requires at least 25/50/25 liability plus 25/50 uninsured motorist coverage, and drivers must keep proof of insurance in the vehicle for personal vehicles, and commercial vehicles usually need higher limits.
Blue Peak works with businesses with work vehicles in Kansas City, St. Louis, Springfield, Columbia, Independence and Lee's Summit, as well as smaller towns across Missouri. Our advisors compare options from multiple carriers and explain how Missouri rules apply to your commercial auto insurance before you decide.
Missouri requires auto liability of at least 25/50/25, plus uninsured motorist coverage. Business vehicles often need higher limits than the minimum.
They can, but their personal policies may not fully cover business use. Hired and non-owned auto coverage can help protect your business.
If vehicles are owned by your business or used mainly for business, a personal auto policy may not cover them. An advisor can review your situation.
Common factors include vehicle type, use, radius of operation, driver records, claims history, and coverage limits.
Personal policies may exclude or limit business use. Commercial coverage is usually needed for business vehicles.
Your vehicles help your business earn money. The right commercial auto policy helps protect them and your business if something goes wrong on the road.
Learn more about our commercial auto insurance options, or see our guide to business insurance in Missouri.
Blue Peak Risk Advisors is a licensed independent insurance agency. Coverage is subject to underwriting, policy terms, conditions, limits and exclusions. Coverage availability varies by state and carrier. This page is general information only and is not a statement of coverage or legal advice.
Insurance in Missouri is regulated by the Missouri Department of Commerce and Insurance. The department licenses agents and insurers and reviews consumer complaints in Missouri.
Before you buy any policy, you can confirm that an agent or agency holds an active Missouri license using the free NIPR license lookup or the regulator's own search. Ask your advisor which insurer will issue your policy, and check that the insurer is authorized to do business in Missouri.
This page is general information, not legal advice. Coverage terms, rates and availability depend on the insurer and your policy.
