Hamburger icon


  • Business insurance

    • Business Insurance FAQs

    By Business

  • Certificate of Insurance
  • Claims
  • Resources

  • Help
Telephone iconCall Us(844) 654-7272
Our opening hours

The Guide to Getting Your Missouri Contractor’s License

4-minute read

Emily Thompson

Emily Thompson

19 November 2019

Facebook iconTwitter iconLinkedIn icon

Have you been thinking about getting your contractor’s license? Whether you’re an electrician, plumber, or general contractor, we have the step-by-step guide to becoming official in Missouri.

Best of all, we dug through all of the research out there so you don’t have to. From government sites to articles, we collected the data on what it takes to get a contractor’s license in Missouri so you don’t have to waste your time searching around for this crucial information.

Ready to get licensed?

Why Do I Need to Become Licensed in Missouri?

We get it. Whether you’re just starting out your contracting business or you’ve been doing it for a few years, getting a contractor’s license in Missouri can feel like a pain in the you-know-what. It takes paperwork, paper checks, and lots of mailing to even get licensed…

So what’s the point of doing it all?

Well, here’s the biggest reason: Getting a license takes your career to the next level — and makes you official as a contractor, handyman, electrician, home improvement renovator, or whatever else your business might be.

Plus, a license is required to work in many locations, but it’s also a way you can earn more. Lots of customers may not work with you if you don’t have a contractor’s license, and we can’t exactly blame them. Without a license, you could be leaving yourself - and your customer - in legal hot water.

Fortunately, it’s fairly simple to pursue licensure once you know the steps. And, there are a lot of good reasons to do so. Getting a license:

  • Allows you to work on bigger jobs and earn more.
  • Builds credibility with customers. Even for smaller jobs, people want to hire contractors with a stamp of approval.
  • Markets your business. You’ll appear in public lists of licensed contractors.
  • Gives you a competitive edge over other contractors.
  • Protects your business by requiring you to carry general liability and business insurance.

Sound like a good idea? We think so, too. Now here’s how to get started.

Get Business Insurance

Step one? Look for a solid business insurance plan. In your line of work, accidents and injuries happen. Protect your business and its employees by purchasing general liability and worker’s compensation insurance plans. These plans also cover unexpected losses and damage to your property, including tools, vehicles, and other equipment.

Applying for a MO Contractor’s License?

You may need to show proof of business insurance to get your license.

That’s where we come in. Compare free insurance quotes for policies as low as $25.95/month.*

Start My Quote

Next up? It’s time to fill out the paperwork.

Getting a Contractor License in Missouri: What You Need to Know

If you live in Missouri, you can get your license in your local city or county. There isn’t one statewide license, so it’s a process that’s defined at the local level. That means the process is different in Kansas City than it is in St. Louis, so it may involve doing some follow up with your town or city hall to make sure you’ve got the right license.

General Requirements for Licensure

Before visiting your local municipal department, Missouri requires all licensed contractors to:

Register with the Missouri Secretary of State Get a tax ID number and register it with the state for any taxes you pay.

Do You Need Additional Contractor’s Licenses?

Yes — in Missouri your license is granted in your local city or state. To help, we’ve outlined how it works in two of Missouri’s largest cities, Kansas City and St. Louis.

Kansas City

You can apply for a license at the City Planning & Development department. First, read about the different license categories and decide which one you want to apply for. Options include:

  • Demolition contractor class I
  • Demolition contractor class II
  • Electrical contractor class I
  • Electrical contractor class II
  • Electrical contractor class III
  • Elevator contractor class I
  • Elevator contractor class II
  • Fire protection contractor class I
  • Fire protection contractor class II
  • Fire protection contractor class III
  • Gas-fired appliance contractor
  • Heating and ventilating contractor
  • Pipe fitting contractor
  • Plumbing contractor
  • Refrigeration contractor
  • Residential building contractor
  • Sign contractor

Next, in order to qualify for a license, you need:

  • A completed and notarized application form.
  • Proof that you’re at least 21 years old.
  • A high school diploma or GED.
  • Information about your skills and experience.
  • Exam results from a recognized examination agency.
  • A certificate showing you have general liability coverage with a minimum of $1,000,000 per occurrence.
  • A cash deposit (depending on which license you’re applying for).
  • A $55 nonrefundable application fee.

Send all of your application materials to:

City Planning & Development – Development Services
Contractor Licensing Branch, City Hall #503
414 East 12th Street, 5th Floor
Kansas City, Missouri 64106

After getting your first license, you can pay $167 every four years for its renewal.

St. Louis

To get your Graduated Business License in St. Louis, you need to:

  • Get a state sales tax number through the Missouri Department of Revenue.
  • Complete the license application.
  • Provide proof of having workers’ compensation insurance.
  • Obtain clearance from the Collector of Revenue’s Office.
  • Get an Occupancy Permit from the Building Division.
  • Pay an application fee ($100 to $200 depending on what time of year you apply).

At first glance, applying for a license and purchasing business insurance might seem tedious. After all, there’s a lot of paperwork involved.

But, the benefits greatly outweigh any hassles. With a Missouri contractor’s license, you can grow your business, take on bigger jobs, and earn more in the long run.

It’s worth the time it takes to make yourself official!

Monthly payment calculations (i) do not include initial premium down payment and (ii) may vary by state, insurance provider, and nature of your business. Averages based on Q1 2020 data of 10% of our total policies sold.

Emily Thompson

Written by

Emily Thompson

I earned a B.A. in Journalism from the University of Wisconsin at Madison (go Bucky). After realizing my first job might involve carrying a police scanner at 2 am in pursuit of “newsworthy” crimes, I decided I was better suited for freelance blogging and marketing writing. Since 2010, I’ve owned my freelance writing business, EST Creative. When I’m not penning, doodling ideas, or chatting with clients, you’ll find me hiking with my husband, baby boy, and 2 mischievous mutts.

Find this article useful? Spread the word.

Facebook icon
Twitter icon
LinkedIn icon

People also liked

28 November 20186-minute read

Top 3 Social Channels & Apps for Your Small Business

Even if you’ve been a business owner for years, the internet has changed drastically in the way social media is used to boost a brand’s…

Read more

26 July 20188-minute read

How to Pick the Best Small Business Credit Card for You

Access to capital is often one of the biggest financial concerns for any small business, and small business credit cards are a popular…

Read more
Business InsuranceGeneral Liability InsuranceContractors InsuranceCleaners InsuranceHandyman InsuranceHome Improvement Contractor InsuranceJanitorial InsuranceLandscaping InsuranceLawn Care InsurancePainters InsurancePhotographers InsurancePlumbing Contractors InsuranceSelf-Employed Insurance

Simply Business1 Beacon Street, 15th FloorBoston, MA02108

Terms & ConditionsPrivacy Policy

*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated reinsurance carrier by A.M. Best. Harborway Insurance is a trade name of Simply Business, Inc., which is a licensed insurance producer in all 50 states and the District of Columbia.

© Copyright 2020 Simply Business. All Rights Reserved. Simply Business, Inc. is a licensed insurance producer in all U.S. States and the District of Columbia. Simply Business has its registered office at Simply Business, 1 Beacon Street, 15th Floor, Boston, MA, 02108. In the state of California, we operate under the name Simply Business Insurance Agency, Inc., License #0M20593. In the state of New York we operate under the name Simply Business Insurance Agency. In the state of Texas we operate under the name, U.S. Simply Business, Inc. For more information, please refer to our Privacy Policy and Terms & Conditions.