What Commercial Auto Insurance Requirements Apply in Missouri?

Missouri owners must maintain financial responsibility on vehicles registered or required to be registered, and the certified owner-policy schedule is $25,000/$50,000/$25,000. For commercial vehicles or employers with at least five passenger vehicles, Missouri law requires an uninsured-motorist offer rather than automatic inclusion.

What Is Commercial Auto Insurance?

Commercial auto suits businesses that use vehicles for work and need liability protection; damage to your own vehicles is a separate coverage choice. If employees drive personal or rented cars, check how those trips are handled. Read the national Commercial auto guide.

Missouri Commercial Auto Insurance Requirements

Requirement	Details
Certified motor-vehicle owner policy	$25,000 one person / $50,000 two or more / $25,000 property damage ²

What Should You Watch for With Commercial Auto Insurance in Missouri?

Keep Responsibility Active With Registration
Missouri requires owners of vehicles registered or required to be registered here to maintain state-conforming financial responsibility. If a unit is stored or inoperable, the exception applies only while it is not operated; restore proof before putting it back on the road. ¹
Confirm the UM Selection for a Fleet
For commercial motor vehicles or an employer with five or more passenger vehicles, §379.203 says the liability policy must offer uninsured-motorist coverage at the bodily-injury limits in §303.030. Ask what selection the insurer recorded; the statute describes an offer for these groups, not automatic inclusion. ^3,⁴
Separate Employee and Cargo Exposures
Missouri’s certified owner-policy statute says the required policy need not cover employee injury during employment or damage to property owned, rented, held or transported by the insured. Ask the broker to show which separate policy or endorsement addresses those exposures instead of relying on the auto minimum. ²

Which Commercial Auto Providers Have Missouri License Records?

These providers publish a national listing for Commercial auto; the license records below name the licensed entities and roles. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm the product is available in Missouri. Check the regulator’s license lookup and confirm state availability for your business when requesting a quote.

Corgi
Insurance producer · checked 2026-09-28
Corgi Insurance Services, Inc.
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. ¹⁵
Corgi links to trucking auto-liability coverage from its transportation menu.
TechInsurance
Insurance producer · checked 2026-09-28
Specialty Program Group LLC
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. ¹⁹
TechInsurance arranges commercial auto insurance for small businesses.

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. ^5,^6,^7,⁸

Website: Regulator website
License lookup: Search licensed producers
Complaints: File a complaint
Phone: 800-726-7390

Surplus-Lines Tax and Stamping Office in Missouri

Reported tax rate. 5% of premium; Missouri taxes the entire gross premium when Missouri is the home state ^9,^10,^11,¹²

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.

Questions to Ask Before You Buy Commercial Auto in Missouri

Which vehicles are listed on the certified owner policy, and how will additions or replacements be scheduled?
What UM option and limits are being offered for our commercial units or five-plus passenger fleet?
Which policy responds to employee injury while working and to customer goods in our care?

Commercial Auto Insurance in Missouri: Frequently Asked Questions

What liability limits appear in Missouri’s certified owner-policy law?

The owner-policy schedule is $25,000 for one injured person, $50,000 for two or more, and $25,000 for property damage. The statute concerns a certified financial-responsibility policy, not a universal statement about every commercial filing. ²

Does Missouri automatically include UM coverage on a large commercial fleet?

No. For a commercial motor vehicle or an employer with at least five passenger vehicles, §379.203 requires the policy to offer UM coverage at the stated bodily-injury limits. Ask how your selection is recorded. ^3,⁴

Sources for Commercial Auto Insurance in Missouri

1
RSMo §303.025. Missouri Revisor of Statutes; Subsections 1–2; effective Jan. 1, 2024: registered/required-to-register owners, inoperable/stored exception and return-to-use proof. Accessed 2026-09-28.
2
RSMo §303.190. Missouri Revisor of Statutes; Subsections 1–5; certified owner-policy limits, covered vehicles/permissive users, employee and property scope; page effective July 1, 2019. Accessed 2026-09-28.
3
RSMo §379.203. Missouri Revisor of Statutes; Subsection 1; UM provided generally and offered for CMVs or employers with five or more passenger vehicles; page effective Aug. 28, 1991. Accessed 2026-09-28.
4
RSMo §303.030. Missouri Revisor of Statutes; Subsection 5; effective July 1, 2019: $25,000/$50,000 bodily-injury and $25,000 property-damage financial-responsibility limits. Accessed 2026-09-28.
5
Missouri Department of Commerce and Insurance. Missouri Department of Commerce and Insurance; Official insurance regulator homepage. Accessed 2026-09-28.
6
Find an Insurance Agent/Agency. 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.
7
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.
8
Insurance Company Rate, Rule and 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.
9
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.
10
RSMo §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.
11
RSMo §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.
12
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.
13
Licenses. At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21.
14
Licenses and Carriers. 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.
15
Insurance Producer 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.
16
About Hiscox US 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.
17
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.
18
The Pie Insurance Company — Company Details. 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.
19
Insurance Licenses by State. 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.
20
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.

What Commercial Auto Insurance Requirements Apply in Missouri?

What Is Commercial Auto Insurance?

Missouri Commercial Auto Insurance Requirements

What Should You Watch for With Commercial Auto Insurance in Missouri?

Keep Responsibility Active With Registration

Confirm the UM Selection for a Fleet

Separate Employee and Cargo Exposures

Which Commercial Auto Providers Have Missouri License Records?

Corgi

TechInsurance