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.
If you’re just beginning to look into what’s required for a Missouri contractor license, it may seem that that’s not a question with a simple answer. No need to sweat it. As we like to say at Simply Business, we got you.
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?
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.
A Missouri contractors 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.
After all, without a license, you could be leaving yourself - and your customer - in legal hot water. In fact, in many states, it's illegal to operate as a contractor or handyman without a license.
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:
Sound like a good idea? We think so, too. Now here’s how to get started.
Much like with a Missouri contractor license, there is no state-wide requirement to be licensed if you’re working as a handyman. But don’t grab your toolbelt just yet. Handymen, like contractors, have to meet certain local licensing and registration requirements.
These can be at the county or city level, so it’s best to check with the appropriate agencies where you plan to do work.
There are limits on the kind of work you can do as a handyman in Missouri. In general, you’re legally allowed to perform maintenance, minor jobs like installing trim, power washing and deck staining, trash hauling, touch-up painting, minor dry rot repairs, and furniture and cabinet assembly.
With contractor license requirements that can vary across the Show Me state, it’s easy to feel like you’ve got your hands full just trying to understand what's needed. So we understand that trying to make sense of different types of business insurance on top of all that can be a bit overwhelming.
Not to worry. We can take a lot of that work off of your plate. We help insure small business owners like you all over the U.S. Different requirements, different policies, different coverage amounts. We can make sense of it for you. Often in just 10 minutes, online or on the phone.
We work with the nation’s top insurers, so we can shop for policies that have the coverage you need while fitting within your budget. We show you the coverages and quotes. You pick the one that works best for you. And just like that, your business is insured.
We also make sure you understand exactly what you’re paying for and what it protects. Here’s a brief overview of some of the coverages available for your contractor business:
General liability - This is the workhorse of business insurance policies. General liability (GL) covers costs from third-party accidents, property damage, and bodily injury. That can include:
When you consider that the average claim for property damage or customer injury is a staggering $30,000, not having coverage could mean you might have to pay right out of your own pocket.
Workers compensation insurance - The state of Missouri requires business owners to carry workers compensation insurance if they have five or more employees. The requirements are more stringent in the construction business where you must have a workers comp policy if you have one or more employees.
If an employee gets sick or injured while working for you, workers compensation could financially cover those resulting claims, up to the limits of your policy.
Inland marine insurance - This coverage can help financially protect the tools and equipment you use while in transport or on a job site.
Inland marine coverage can financially protect your business from occurrences like:
Having the right tools can make all the difference between a job running smoothly and efficiently and one that runs past the completion date and (very often) over-budget as well.
Whether it’s through theft, damage, or loss, if you find yourself without your tools, you’re looking at a hefty price tag to replace them. But also consider this: if you don’t have your tools, you likely can’t work on current jobs or bid on new ones. And that could cost you even more.
Inland marine insurance also can cover someone else's property that gets damaged or stolen. So if you’re renting or leasing tools, your insurance may cover repairs and replacements, up to the policy’s limit.
Still have questions? Give one of our licensed small business insurance pros a call at 844-654-7272. They’re here to help Monday through Friday, 8am to 8 pm (ET).
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 $22.50/month.*Start Here >
Next up? It’s time to fill out the paperwork.
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.
While there are local requirements when it comes to getting a Missouri contractor license, there are some state-wide requirements you should be aware of as well.
Your contractor business will be required to register through the Missouri Secretary of State. They have a Starting a Business section on their website that provides information on how to do it.
Along with helpful posts on topics such as naming your business, there is also a step-by-step guide for registering and access to a variety of downloadable forms.
There are a number of taxes that you may need to collect or be subject to in Missouri, so you may have to register for one or more tax-specific identification numbers, licenses or permits These can include income tax withholding, sales and use tax (seller’s permit), and unemployment insurance tax.
The Missouri Department of Revenue can provide more information and help you with business registration and understanding your tax obligations.
If you have employees working for you, either full-time or part-time, you’ll need to have workers compensation insurance in Missouri. Depending on what county you’re operating in, you also may need some sort of contractor bond.
It’s best to check with the local government agencies in the areas in which you’ll be working.
You may also need to get a Missouri business license.
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.
Next, in order to qualify for a license, you need:
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.
If you're a contractor or subcontractor looking to ply your trade in the Gateway to the West you’ll need to have a Graduated Business License.
To get your Graduated Business License in St. Louis, you need to:
At first glance, applying for a license and purchasing business insurance might seem tedious. After all, there’s a lot of paperwork involved in getting your contractor license.
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.
Plus, whether you’re remodelling a kitchen in Kansas City or framing a townhouse in St. Louis, we can make it a whole lot easier to make sure you’ve got the right insurance coverage.
It’s worth the time it takes to make yourself official with a license!
* 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 January - December 2020 data of 10% of our total policies sold.
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.
This content is for general, informational purposes only and is not intended to provide legal, tax, accounting, or financial advice. Please obtain expert advice from industry specific professionals who may better understand your business’s needs. Read our full disclaimer
*Harborway Insurance policies are underwritten by Spinnaker Insurance Company and reinsured by Munich Re, an A+ (Superior) rated insurance carrier by AM Best. Harborway Insurance is a brand name of Harborway Insurance Agency, LLC, a licensed insurance producer in all 50 states and the District of Columbia. California license #6004217.