Missouricontractor insurance & bonding requirements
Updated April 2026 · Source: Municipal AHJ (Kansas City, St. Louis, Springfield)
Minimum requirements
- General liability
- $500,000
- Workers' comp
- Required for crews
Licensed general contractors in Missouricarry commercial insurance so that if a crew member gets injured on-site, a homeowner's appliance is damaged during demo, or a neighboring property suffers an impact from construction, the contractor's policy (not the homeowner's) pays the claim. AskBaily does not match homeowners to contractors below these minimums.
MO has no state GC license. Municipal bonds $1K–$10K.
Common questions
What insurance does a Missouri general contractor need?
A Missouri general contractor needs at minimum $500,000 general liability coverage. Workers' compensation insurance is required for crews. Per Municipal AHJ (Kansas City, St. Louis, Springfield).
How much is the surety bond for Missouri contractors?
Missouri does not require a state-level surety bond for general contractors. MO has no state GC license. Municipal bonds $1K–$10K.
Who is the licensing authority in Missouri?
Municipal AHJ (Kansas City, St. Louis, Springfield) is the authority for Missouri contractor oversight. Public license lookup is available at https://www.kcmo.gov/.
How does AskBaily verify contractors in Missouri?
Municipal AHJ (Kansas City, St. Louis, Springfield) does not expose machine-readable lookup. AskBaily ops manually verifies Missouri applicants within 72 hours of signup using the public portal.
What happens if a contractor doesn't carry the required insurance?
Underinsured contractors are removed from the AskBaily match pool immediately. A homeowner who hires an unlicensed or underinsured contractor in Missouri can lose the right to mechanic's lien protection, may be held liable for on-site injuries, and forfeits protection under Municipal AHJ (Kansas City, St. Louis, Springfield). That's why AskBaily's policy is to match only verified pros.
Nearby jurisdictions
AskBaily cities in Missouri
Homeowners in these cities can chat with Baily today; matched pros must meet the requirements above.
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