--- title: "Missouri Business Owner’s Policy Guide" description: "For Missouri property limits, separate total building-fire losses from partial losses, blanket schedules and business contents." canonical: "https://spot.insure/coverage/business-owners-policy/missouri" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/business-owners-policy/missouri) # Missouri Business Owner’s Policy Guide Missouri law treats a total covered-peril loss to insured real property differently from partial damage and lists important exceptions, including builder’s risk, multi-building blanket coverage and replacement-cost coverage. Identify whether the BOP location is individually scheduled or part of a blanket and compare building valuation, contents and income provisions in the issued forms.[^1][^2] **Coverage:** [Business owner’s policy](/coverage/business-owners-policy) · [Missouri](/coverage/states/missouri) ## What Is Business Owner’S Policy? A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [Read the national Business owner’s policy guide](/coverage/business-owners-policy). ## What to Watch for in Missouri ### Missouri’s total-fire-loss rule has material exceptions Section 379.140 applies to a covered total loss of real property, not partial loss; unscheduled personal property; detached/appurtenant structures; builder’s risk or mortgage-insurance policies; multiple buildings insured on a blanket basis; contributing fraud or criminal activity; an unconsented risk increase in the preceding 60 days that caused the loss; replacement-cost coverage (which remains governed by the policy); or a loss covered by multiple policies. A separate subsection sets initial-assigned-value treatment for a blanket-insured commercial building.[^1] ### Blanket limits need a building-by-building review The statute has separate treatment for multi-building blanket coverage, using the value assigned to each building at policy inception and remaining terms. Ask for the schedule, each building’s assigned value and how limits are shared after a loss.[^1] ### Partial fire-loss settlement follows a different rule For the specified standard fire policy, §379.150 allows settlement at actual cash value or repair/rebuild/replace with like kind and quality within a reasonable time, with notice within 30 days after proof of loss. Read the issued valuation and settlement language for damage short of a total loss.[^2][^3] ### The property rule does not set package income or liability benefits These statutes concern fire-property valuation and settlement. They do not set a BOP’s liability limits, covered business-interruption events or restoration period; those depend on the package forms.[^1][^2] ## Who Regulates Insurance in Missouri **Missouri Department of Commerce and Insurance.** Missouri DCI licenses insurance producers and insurers, reviews property and casualty rates and forms, and investigates complaints against insurance companies and producers.[^4][^5][^6][^7] - [Regulator website](https://insurance.mo.gov/) - [License lookup](https://insurance.mo.gov/companies/find-insurance-agentagency) - [File a complaint](https://insurance.mo.gov/consumer-complaints/insurance-complaints) - Phone: 800-726-7390 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 5% of premium; Missouri taxes the entire gross premium when Missouri is the home state When Missouri is the insured’s home state, the state applies its 5% surplus-lines tax to the entire gross premium of a multistate policy; the regulator’s FAQ says the tax includes applicable fees. Eligible nonadmitted insurers do not participate in the Missouri Guaranty Fund, and Missouri generally requires the full amount or kind of coverage to be unavailable from admitted insurers before placement; an exempt commercial purchaser search exception has separate disclosure and written-request conditions.[^8][^9][^10][^11] ## Providers With Documented State Licenses These providers publish a national listing for Business owner’s policy; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Missouri; [check the regulator’s license lookup](https://insurance.mo.gov/companies/find-insurance-agentagency) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^14] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^16] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^15] - [Pie Insurance](/insurance-providers/pie-insurance) — **Entity:** The Pie Insurance Company; **role:** Insurer; **checked:** 2026-09-28. **Scope:** The Missouri Department of Commerce and Insurance record identifies The Pie Insurance Company (NAIC 21857; license B424258) as active for Property and Casualty in Missouri, admitted 7 July 1999. No expiry or renewal date is shown. This one carrier record does not establish where Pie’s other carriers or producer operate.[^17] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^18] ## Questions to Ask Before You Buy in Missouri 1. Is each building individually scheduled or part of a multi-building blanket, and what value is assigned to it? 2. Does replacement-cost coverage change how §379.140 applies to a total loss? 3. How does the form settle a partial loss, and what valuation method, deductible and repair option apply? 4. What covered property damage triggers business income, and what waiting/restoration periods apply? ## Business Owner’S Policy in Missouri: FAQ ### Does Missouri’s total-loss statute automatically value business contents at the insured limit? No. Section 379.140 excludes unscheduled personal property and other listed categories from its total-real-property-loss rule. Review the contents schedule and policy valuation terms.[^1] ### Does the same rule govern partial fire damage? No. Section 379.140 excludes partial losses. Section 379.150 addresses settlement under the specified standard fire policy, subject to its terms and scope.[^1][^2] ## Business Owner’S Policy in Other States - [Alabama](/coverage/business-owners-policy/alabama) - [Alaska](/coverage/business-owners-policy/alaska) - [Arizona](/coverage/business-owners-policy/arizona) - [Arkansas](/coverage/business-owners-policy/arkansas) - [California](/coverage/business-owners-policy/california) - [Colorado](/coverage/business-owners-policy/colorado) - [Connecticut](/coverage/business-owners-policy/connecticut) - [Delaware](/coverage/business-owners-policy/delaware) - [District of Columbia](/coverage/business-owners-policy/district-of-columbia) - [Florida](/coverage/business-owners-policy/florida) - [Georgia](/coverage/business-owners-policy/georgia) - [Hawaii](/coverage/business-owners-policy/hawaii) - [Idaho](/coverage/business-owners-policy/idaho) - [Illinois](/coverage/business-owners-policy/illinois) - [Indiana](/coverage/business-owners-policy/indiana) - [Iowa](/coverage/business-owners-policy/iowa) - [Kansas](/coverage/business-owners-policy/kansas) - [Kentucky](/coverage/business-owners-policy/kentucky) - [Louisiana](/coverage/business-owners-policy/louisiana) - [Maine](/coverage/business-owners-policy/maine) - [Maryland](/coverage/business-owners-policy/maryland) - [Massachusetts](/coverage/business-owners-policy/massachusetts) - [Michigan](/coverage/business-owners-policy/michigan) - [Minnesota](/coverage/business-owners-policy/minnesota) - [Mississippi](/coverage/business-owners-policy/mississippi) - [Montana](/coverage/business-owners-policy/montana) - [Nebraska](/coverage/business-owners-policy/nebraska) - [Nevada](/coverage/business-owners-policy/nevada) - [New Hampshire](/coverage/business-owners-policy/new-hampshire) - [New Jersey](/coverage/business-owners-policy/new-jersey) - [New Mexico](/coverage/business-owners-policy/new-mexico) - [New York](/coverage/business-owners-policy/new-york) - [North Carolina](/coverage/business-owners-policy/north-carolina) - [North Dakota](/coverage/business-owners-policy/north-dakota) - [Ohio](/coverage/business-owners-policy/ohio) - [Oklahoma](/coverage/business-owners-policy/oklahoma) - [Oregon](/coverage/business-owners-policy/oregon) - [Pennsylvania](/coverage/business-owners-policy/pennsylvania) - [Rhode Island](/coverage/business-owners-policy/rhode-island) - [South Carolina](/coverage/business-owners-policy/south-carolina) - [South Dakota](/coverage/business-owners-policy/south-dakota) - [Tennessee](/coverage/business-owners-policy/tennessee) - [Texas](/coverage/business-owners-policy/texas) - [Utah](/coverage/business-owners-policy/utah) - [Vermont](/coverage/business-owners-policy/vermont) - [Virginia](/coverage/business-owners-policy/virginia) - [Washington](/coverage/business-owners-policy/washington) - [West Virginia](/coverage/business-owners-policy/west-virginia) - [Wisconsin](/coverage/business-owners-policy/wisconsin) - [Wyoming](/coverage/business-owners-policy/wyoming) [Other Coverage in Missouri](/coverage/states/missouri) ## Sources [^1]: [Revised Statutes of Missouri § 379.140](https://revisor.mo.gov/main/OneSection.aspx?section=379.140) — Missouri Revisor of Statutes; Current code, subsections 1–4, total-loss rule and exceptions; effective 2021-08-28. Accessed 2026-09-28. [^2]: [Revised Statutes of Missouri § 379.150](https://revisor.mo.gov/main/OneSection.aspx?section=379.150) — Missouri Revisor of Statutes; Current code, standard fire policy and partial-loss settlement; effective 2021-08-28. Accessed 2026-09-28. [^3]: [20 CSR 500-1.100, Standard Fire Policy](https://www.sos.mo.gov/cmsimages/adrules/csr/current/20csr/20c500-1.pdf) — Missouri Secretary of State; Current regulation PDF, p. 1, standard policy and approved alternative forms. Accessed 2026-09-28. [^4]: [Missouri Department of Commerce and Insurance](https://insurance.mo.gov/) — Missouri Department of Commerce and Insurance; Official insurance regulator homepage.. Accessed 2026-09-28. [^5]: [Find an Insurance Agent/Agency](https://insurance.mo.gov/companies/find-insurance-agentagency) — Missouri Department of Commerce and Insurance; Official DCI search page says its License & Contact Info search covers licensed agents and agencies; it links to company search.. Accessed 2026-09-28. [^6]: [Insurance Complaints](https://insurance.mo.gov/consumer-complaints/insurance-complaints) — Missouri Department of Commerce and Insurance; Complaint filing page; says Consumer Affairs investigates complaints against insurers and producers; consumer hotline 800-726-7390.. Accessed 2026-09-28. [^7]: [Insurance Company Rate, Rule and Policy Form Filings](https://insurance.mo.gov/companies/insurance-company-rate-rule-policy-form-filings) — Missouri Department of Commerce and Insurance; Official DCI rate, rule and form filing page; identifies state oversight of insurer product filings.. Accessed 2026-09-28. [^8]: [Surplus Lines FAQs](https://insurance.mo.gov/industry-faqs/surplus-lines-faqs) — Missouri Department of Commerce and Insurance; FAQ states 5% of Missouri net premium including applicable fees and eligible surplus-lines companies do not participate in the Guaranty Fund.. Accessed 2026-09-28. [^9]: [RSMo §384.061](https://revisor.mo.gov/main/OneSection.aspx?section=384.061) — Missouri Revisor of Statutes; Subsections 1–2: entire gross premium is taxed when Missouri is home state; Chapter 384 placement regulation applies only when Missouri is home state.. Accessed 2026-09-28. [^10]: [RSMo §384.021](https://revisor.mo.gov/main/OneSection.aspx?section=384.021) — Missouri Revisor of Statutes; Admitted-market availability rule and exempt commercial purchaser due-diligence exception; exception conditions appear in subsection 2.. Accessed 2026-09-28. [^11]: [Surplus Lines FAQs](https://insurance.mo.gov/industry-faqs/surplus-lines-faqs) — Missouri Department of Commerce and Insurance; FAQ says eligible surplus-lines insurers do not participate in the Guaranty Fund.. Accessed 2026-09-28. [^12]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^13]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^14]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^15]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^16]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^17]: [The Pie Insurance Company — Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111) — Missouri Department of Commerce and Insurance; Company name: THE PIE INSURANCE COMPANY; status Active; NAIC 21857; license B424258; Property and Casualty; date admitted 1999-07-07. The page has no expiry/renewal field. Accessed 2026-09-28.. Accessed 2026-09-28. [^18]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^19]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/business-owners-policy/missouri.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)