How to Start Missouri Insurance Company | Insuring Your Success

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Missouri Insurance Company

Starting an insurance company may seem daunting, but creating a successful and thriving Missouri LLC is possible with the proper knowledge and guidance. The insurance industry is vast and complex, with various regulations and requirements that must be met to operate legally and effectively. This article will provide a comprehensive guide on How to Start an Insurance Company in Missouri, detailing the necessary steps and considerations you should make.

Webinarcare Editorial Team will help you gain knowledge through thorough research and market study. Before starting an insurance company, all the steps in this article must guide you.

How to Start an Insurance Company in Missouri

What is an Insurance Company? 

An insurance company in Missouri is a business entity that provides various insurance policies to individuals and businesses, offering protection against financial loss due to unforeseen events or circumstances. These companies operate within the insurance industry, are regulated by the Missouri Department of Commerce and Insurance, and are subject to various laws and regulations. 

One can consider starting an LLC (Limited Liability Company) to establish an insurance company in Missouri. This organizational structure offers liability protection and flexible tax options. For instance, John wants to open an insurance company in Missouri; he can form an LLC named “ABC Insurance LLC” by registering with the Missouri Secretary of State, obtaining the necessary licenses and permits, and fulfilling other legal requirements. This enables John to operate his insurance business effectively while limiting personal liability.

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How to Start an Insurance Company in Missouri

Starting an insurance company in Missouri involves several steps, from conducting market research to navigating the complex regulatory environment. This step-by-step guide will walk you through establishing an insurance company in Missouri, ensuring you have a solid foundation for a successful business venture.

Step 1: Research The Insurance Market

The first step in starting an insurance company is to research the insurance market in Missouri to determine the most profitable and in-demand types of insurance to offer. This will involve studying the demographics of Missouri, the types of industries and businesses operating within it, and the various risks individuals and businesses face.

It would be best if you also researched the competitive landscape of the insurance industry in Missouri by analyzing the market share of existing insurance companies, the types of policies they offer, and their pricing strategies. This will help you identify potential gaps in the market and areas in which you can differentiate your company from competitors.

Step 2: Decide The Type of Insurance Company

You can start several insurance companies, such as life insurance, health insurance, property, casualty insurance, or a combination. The type of insurance company you choose to start will depend on your interests, expertise, and the market research you have conducted. Here is the list of common types of insurance companies that you could consider starting in Missouri:

  • Property and Casualty Insurance: This company offers insurance coverage for homes, cars, and businesses, protecting policyholders against property damage and liability claims.
  • Life Insurance: A life insurance company provides financial protection to beneficiaries in the event of the policyholder’s death. Various life insurance policies include term, whole, and universal life.
  • Health Insurance: Health insurance companies offer policies that cover medical expenses, such as doctor visits, hospital stays, prescription medications, and preventive care. They may also provide dental and vision coverage.
  • Long-term Care Insurance: This insurance company covers long-term care services, such as nursing homes, assisted living facilities, and home health care.
  • Disability Insurance: Disability insurance companies offer policies that provide income replacement for individuals unable to work due to a disability or illness.
  • Annuity Providers: Annuity providers offer financial products that provide income during retirement. These products can be fixed or variable and may be purchased with a lump sum or a series of payments.
  • Specialty Insurance: Specialty insurance companies focus on specific niche markets or unique risks that traditional insurance policies may not cover. Examples include pet insurance, travel insurance, and event cancellation insurance.
  • Reinsurance Companies: Reinsurance companies provide insurance for other insurance companies, helping to spread risk and protect insurers from large losses.

Consider starting a niche insurance company focusing on a specific insurance type or target market. This can help you stand out from competitors and cater to a specific audience with specialized needs.

Step 3: Develop a Business Plan

Once you have decided on the type of insurance company you want to start in Missouri, you must develop a comprehensive business plan. This plan should outline your goals, target market, marketing and sales strategies, organizational structure, financial projections, and any potential challenges you may face.

Your business plan should also include details about the types of insurance policies you plan to offer, your pricing strategies, and your plans for managing risk and underwriting policies. It is essential to have a solid business plan before forming your insurance company, as it will serve as a roadmap for your success and may be required by potential investors or regulatory agencies.

Step 4: Register Your Business and Obtain Licenses

To start an insurance company in Missouri, you must register your business with the Missouri Secretary of State and obtain the necessary licenses and permits. This may include establishing a legal structure, choosing an insurance company name, hiring a Registered Agent, filing for the Articles of Organization or the Articles of Incorporation, obtaining an employer identification number (EIN) from the Internal Revenue Service (IRS), and getting the necessary license and permits.

Establish a Legal Structure

The legal structure you choose for your Missouri insurance company depends on various factors, such as liability protection, tax implications, and management flexibility. The following legal structures are commonly considered suitable for Missouri insurance companies:

Sole Proprietorship

This is the simplest business structure suitable for small or independent insurance agencies. Under this structure, the business owner has complete control over the company but bears all responsibility for its liabilities. There is no legal distinction between the owner and the business.

Partnership

A partnership suits insurance companies with two or more owners who want to share management responsibilities and profits. There are two types of partnerships: general (GP) and limited (LP). In starting a general partnership in Missouri, all partners share equal responsibility for the company’s liabilities. In contrast, in an LP, one or more partners have limited liability, and one or more general partners have unlimited liability.

Limited Liability Company (LLC)

An LLC offers liability protection for its owners, known as members while providing flexible management options and tax benefits. This structure is a popular choice for insurance companies as it combines the benefits of a corporation with the simplicity of a partnership or sole proprietorship.

Corporation

A corporation, known as shareholders, is a separate legal entity from its owners and provides the highest liability protection. This structure suits larger insurance companies or those seeking to raise capital from investors. There are two types of corporations: C corporations and S corporations. C corporations are subject to double taxation, while S corporations allow for pass-through taxation, avoiding double taxation. However, S corporations have specific eligibility requirements and restrictions on the number and type of shareholders.

Mutual Insurance Company

A mutual insurance company is a legal structure unique to the insurance industry. It is owned by its policyholders, who share in the profits and losses of the company. Missouri Small Business Insurance Companies commonly use this structure and can offer a more customer-centric approach to business.

When starting an insurance company, consult with a Business Attorney in Missouri to determine the most suitable business structure for your specific needs and goals. We recommend to start an LLC since it offers limited liability protection for your business.

– WEBINARCARE EDITORIAL TEAM

Choose a Business Name

When choosing a name for your Missouri insurance company, it’s important to consider several factors to ensure your business stands out and appeals to potential customers. Here is a guide to help you choose the perfect name for your insurance company:

  • Research Your Competitors: First and foremost, research the names of other insurance companies in your state. This will give you an idea of what names are already being used and help you avoid selecting something too similar.
  • Keep It Simple: Choose a name that is easy to pronounce, spell, and remember. This will make it easier for potential customers to find your business and refer it to others.
  • Incorporate your state’s name: Including your state’s name in your company name can help potential customers easily identify where your business is located and the area you serve.
  • Use Industry-Related Words: Consider using words related to the insurance industry, such as “coverage,” “protection,” or “security.” This will make it clear that your business provides insurance services.
  • Check For Availability: Ensure it’s available before committing to a name. Remember to check the availability of your chosen business name with the Missouri Secretary of State Business Services and ensure it’s not already in use by another company. There is a complete guide on Missouri Business Name Search to check the process of naming your business.

Some name examples of an insurance company:

  1. Missouri Premier Insurance
  2. Missouri Assurance Group
  3. Missouri Secure Coverage
  4. Missouri Protection Partners
  5. Missouri Insurance Solutions

Remember that your company’s name is the potential customer’s first impression of your business. Take your time and follow these guidelines to choose a name that reflects your company’s values and services while standing out from the competition.

You can register your business under a different legal name if your preferred name isn’t available. Once you have chosen a name, you can submit an application for Missouri DBA (doing business as). However, before filing a DBA, you should know that you need to renew your DBA every five years, which costs $7.

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Hire a Registered Agent

Hiring a Registered Agent for your Missouri insurance company is an important step in establishing your business. A Registered Agent is a person or entity that accepts legal documents on behalf of your company and ensures you stay compliant with state requirements.

In Missouri, the cost of having a Registered Agent ranges from $50 – $150. However, suppose you are still wondering how to hire a Registered Agent. You can also serve as your Registered Agent, appoint a friend or family member, or hire the Best Missouri Registered Agent Services.

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File For Articles of Organization or Articles of Incorporation

If you form an LLC for your Missouri insurance company, you must file the Missouri Articles of Organization, which costs $105. However, you must file the Articles of Incorporation if you form a Corporation for your insurance company. The Articles of Incorporation filing fee costs $50 fo filing online, $105 for filing by mail. 

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Obtain an Employer Identification Number

You must first obtain an Employer identification number (EIN) in Missouri to open a bank account or hire an employee for your Missouri insurance company. 

The application of an EIN in Missouri can be through the following:

  • Apply Online- The online EIN application is the preferred method for customers to apply for and obtain an EIN.
  • Apply by Fax- Taxpayers can fax the completed Form SS-4 application to the appropriate fax number), after ensuring that the Form SS-4 contains all of the required information.
  • Apply by Mail- The EIN application Form SS-4 can be filed via mail. The processing time frame to receive the mail is four weeks.
  • Apply by Telephone-International Applicants – International applicants may call 267-941-1099 (not a toll-free number) from 6 a.m. to 11 p.m. (Eastern Time) Monday through Friday to obtain their EIN.

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Get the Necessary License and Permits

When starting an insurance company in Missouri, obtaining the necessary licenses and permits is important to operate legally and ensure compliance with Missouri regulations. The following steps provide a guide to obtaining licenses and permits for your Missouri insurance company:

  • Insurance Producer License: This license allows you to sell insurance policies and act as an agent for insurance companies.
  • Business License: Missouri requires businesses to obtain a Business License to operate legally. The business license fee in Missouri ranges from $50 – $300.
  • Certificate of Authority: This certificate is issued by the state’s insurance department, which allows you to operate as an insurance carrier.
  • Surety Bond: Insurance companies must have a surety bond to protect consumers if the company goes bankrupt or cannot fulfill its obligations.
  • Compliance with Missouri Regulations: You must comply with Missouri regulations regarding insurance companies, including filing regular reports, maintaining adequate reserves, and complying with consumer protection laws.

Before starting your insurance company in Missouri, consult a Business Attorney or consultant to ensure you obtain all the necessary permits and licenses to operate legally. Failing to do so can result in fines, penalties, and even the closure of your Missouri business.

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Step 5: Obtain Insurance

Obtaining insurance for your business is essential when starting an insurance company. This will help protect your personal assets from any liabilities arising from your insurance business.

You will need various types of insurance coverage to protect your business, such as general liability insurance, professional liability insurance, and workers’ compensation insurance. Consult an experienced insurance agent or broker to determine the appropriate types and amounts of insurance coverage for your business needs.

Step 6: Develop Guidelines and Manage Strategies

As an insurance company, your primary function will be to underwrite and manage risk. This involves evaluating potential policyholders, determining the appropriate coverage and premiums, and managing the overall risk exposure of your company.

To do this effectively, you must develop underwriting guidelines and risk management strategies that align with your business goals and the types of insurance you plan to offer. This may include establishing underwriting criteria for evaluating potential policyholders, developing pricing models and premium structures, and implementing risk management techniques such as reinsurance and loss control measures.

Step 7: Create a Strong Online Presence

In today’s digital age, having a strong online presence is essential for the success of any Missouri business, including insurance companies. This includes creating a professional and user-friendly website that provides information about your company, the types of insurance policies you offer, and how potential policyholders can contact you.

Additionally, consider implementing digital marketing strategies to promote your Missouri insurance company and reach your target audience, such as search engine optimization (SEO), pay-per-click (PPC) advertising, and social media marketing.

Step 8: Monitor and Update Business Operations

As your Missouri insurance company grows and evolves, it is essential to continuously monitor and update your business operations to ensure ongoing success. This includes regularly reviewing your underwriting guidelines and risk management strategies, adjusting your marketing and sales tactics, and staying informed about Missouri’s insurance industry and regulatory environment changes.

You should consider all these steps to have an insurance company in Missouri.

Pros and Cons of Starting an Insurance Company

Starting an insurance company in Missouri can be a lucrative business opportunity, but it also comes with its share of challenges. Before embarking on this entrepreneurial journey, weighing the pros and cons is crucial to determine if it is the right path for you. Here are the pros and cons of starting an insurance company in Missouri.

Pros of Starting an Insurance Company

  • High Demand for Insurance Products: Insurance is necessary for individuals and businesses, offering protection against various risks and uncertainties. The demand for insurance products is consistently high, providing a stable market for insurance companies in Missouri. Your company can discover a niche in this market by offering competitive and tailored insurance solutions.
  • Potential for High-Profit Margins: The insurance industry is known for its potential to generate high-profit margins. By effectively underwriting policies, managing risk, and keeping operational costs low, your insurance company in Missouri can enjoy substantial profits. Additionally, a continuous revenue stream exists as insurance policies are renewed annually.
  • Diverse Product Offerings: Starting an insurance company in Missouri allows you to offer various insurance products catering to individuals’ and businesses’ needs and preferences. This diversity in product offerings can help your company stand out from competitors and attract various customer segments.
  • Opportunities for Growth and Expansion: The insurance industry in Missouri offers numerous opportunities for growth and expansion. As your insurance company gains a strong foothold in the market, you can explore expanding your product offerings, targeting new customer segments, or even expanding to other states.

Cons of Starting an Insurance Company

  • High Barriers to Entry: Starting an insurance company in Missouri comes with high barriers to entry, including stringent regulatory requirements, licensing, and capital requirements. Navigating these barriers can be challenging, time-consuming, and costly, making it difficult for new entrants to break into the market.
  • Intense Competition: The insurance industry in Missouri is highly competitive, with numerous established players dominating the market. As a new entrant, your company must differentiate itself from competitors and offer unique value propositions to attract customers. This may require substantial marketing efforts and investments.
  • Complex Regulatory Environment: Missouri insurance companies are subject to a complex regulatory environment, with various rules and regulations governing the industry. Compliance with these regulations is essential to operate legally and avoid penalties. Still, staying current with the ever-changing regulatory landscape can take time and effort. Additionally, the cost of compliance can be high, especially for a new insurance company with limited resources.
  • High Operational Costs: Starting and running an insurance company in Missouri can be associated with high operational costs. These costs may include hiring skilled employees, investing in technology and infrastructure, marketing and advertising expenses, and maintaining adequate capital reserves to meet regulatory requirements. Managing these costs effectively is crucial to ensure the profitability of your business.
  • Risk Management Challenges: As an insurance company, your primary function is managing and underwriting risk. This requires developing effective underwriting guidelines, pricing models, and risk management strategies. However, managing risk can be challenging, especially in unpredictable events such as natural disasters or economic downturns. A failure to manage risk effectively can lead to significant losses for your company.
  • Customer Acquisition and Retention: Attracting and retaining customers is essential for the success of any business, and insurance companies in Missouri are no exception. However, building a loyal customer base can be challenging, especially for new entrants in a highly competitive market. Your company must invest time and resources in marketing and customer service efforts to attract and retain policyholders.

Here are the pros and cons of starting an insurance company in Missouri. You must ensure that every detail in this article emphasizes whether you launch one.

Pros 👍Cons 👎
High Demand for Insurance ProductsHigh Barriers to Entry
Potential for High-Profit MarginsIntense Competition
Diverse Product OfferingsComplex Regulatory Environment
Opportunities for Growth and ExpansionHigh Operational Costs
Risk Management Challenges
Customer Acquisition and Retention

FAQs

What are the minimum requirements for starting an insurance company in Missouri?
A minimum capital and surplus of $1,500,000 is required.
Do all insurance companies operating in Missouri require a license?
Yes, in Missouri, all insurance companies must have a license to operate within the state.
How do I obtain an insurance company license in Missouri?
To obtain an insurance company license in Missouri, you must first file an application with the Missouri Department of Insurance.
What types of insurance can an insurance company offer in Missouri?
An insurance company in Missouri can offer a wide range of insurance products, including auto, home, life, health, and business insurance.
How long does it take to get an insurance company license in Missouri?
The time it takes to get an insurance company license in Missouri can vary, but it is typically around four to eight weeks.
What are the fees associated with starting an insurance company in Missouri?
The fees for starting an insurance company in Missouri can vary, but expect to pay around $5,000 for the licensing process.
What is the process for renewing an insurance company license in Missouri?
The process for renewing an insurance company license in Missouri involves submitting a renewal application and paying a renewal fee.
Can an insurance company operate in Missouri with an out-of-state license?
No, an insurance company must have a Missouri license to operate in the state.
Is Missouri part of any reciprocal agreements for insurance?
Yes, Missouri is part of the Producer Licensing Model Act (PLMA), which allows licensed insurance producers to operate in other states as long as they meet certain requirements.
Are there any specific insurance regulations in Missouri that I should be aware of?
Yes, insurance companies operating in Missouri must comply with various regulations, including rate and form filing requirements.
What is the best structure for an insurance company in Missouri, such as a corporation or LLC?
This will depend on the specific needs and goals of the insurance company. However, forming a corporation or LLC can provide certain legal and financial protections.
Do insurance companies in Missouri have any reporting requirements?
Yes, insurance companies in Missouri must file annual reports with the Missouri Department of Insurance providing updates on their financial and operational activities.
Can my insurance company sell policies to customers outside of Missouri?
Yes, an insurance company in Missouri can offer insurance products to customers in other states, as long as they comply with the licensing and regulatory requirements in those states.
Does Missouri have any captive insurance legislation?
Yes, Missouri passed the Captive Insurance Companies Act in 2007, which allows companies to form captive insurance companies within the state for various coverage needs.
Is there a limit to the number of insurance companies that can be licensed in Missouri?
No, there is no limit to the number of insurance companies that can be licensed in Missouri.
Can individuals form an insurance company in Missouri?
Yes, individuals can form an insurance company in Missouri if they meet the minimum capital and surplus requirements.
Are required filings and financial statements publicly available in Missouri?
Yes, required filings and financial statements for insurance companies in Missouri are publicly available through the Missouri Department of Insurance website.
Are there any tax incentives for starting an insurance company in Missouri?
There may be tax incentives available for businesses operating in Missouri, but it will depend on various factors such as company type and location.
How can I make sure my insurance company is compliant with Missouri laws and regulations?
The best way to ensure your insurance company is compliant with Missouri laws and regulations is to work with legal and insurance professionals who have experience in the industry.
What is the process for filing claims in Missouri?
The process for filing insurance claims in Missouri varies by the type of insurance product and company, but typically involves contacting the insurance provider directly.
Is it mandatory for insurance companies in Missouri to have a local office?
No, there is no requirement for insurance companies in Missouri to have a local office, as long as they meet the licensing and regulatory requirements.
Can an insurance company in Missouri conduct business online?
Yes, insurance companies in Missouri can conduct business online, as long as they comply with the applicable laws and regulations.
Are there any resources available to help me navigate the insurance industry in Missouri?
Yes, the Missouri Department of Insurance provides various resources and information for insurance providers operating within the state.
Can insurance companies in Missouri adjust rates on their own?
Rates for insurance products offered in Missouri must be approved by the Department of Insurance before they can be used.
Are there any limitations on who can sell insurance in Missouri?
Yes, there are licensing and education requirements that must be met in order to sell insurance in Missouri.
Can insurance companies in Missouri cancel policies whenever they want?
Policies offered by insurance companies in Missouri can typically only be cancelled by the policyholder or under certain circumstances specified by the policy.
Does the Missouri Department of Insurance provide dispute resolution services?
Yes, the Department of Insurance provides various dispute resolution services to help settle conflicts between consumers and insurance providers in Missouri.
What are some common reasons for insurance company licenses to be suspended or revoked in Missouri?
License suspensions or revocations can occur for various reasons, such as failure to maintain adequate financial and operational requirements, or violating state laws and regulations.
What are the basic requirements to start an insurance company in Missouri?
To start an insurance company in Missouri, you must have adequate capital and a business plan that explains how you intend to operate.
How much capital is required to start an insurance company in Missouri?
The amount of capital required to start an insurance company in Missouri varies based on the types of insurance you plan to sell and the size of the company you want to build.
Can I operate an insurance company in Missouri as a solo proprietorship?
No, Missouri law requires corporate ownership of insurance companies.
What type of insurance companies can be licensed in Missouri?
Missouri licenses several types of insurance companies, including property and casualty, life and health, and fraternal benefit societies.
How long does it take to get a license for a new insurance company in Missouri?
It typically takes several months to obtain a license for a new insurance company in Missouri.
Do I need to obtain any specific permits or licenses to operate an insurance company in Missouri?
Yes, you’ll need to obtain a certificate of authority to operate an insurance company in Missouri.
What is a certificate of authority, and how do I get one?
A certificate of authority is a permit to operate an insurance company issued by the Missouri Department of Insurance. The application process for a certificate of authority involves submitting a detailed business plan and demonstrating that you meet capital and other regulatory requirements.
Are there any ongoing requirements I need to comply with to maintain my insurance company license in Missouri?
Yes, insurance companies operating in Missouri must comply with ongoing reporting, examination, and other regulatory requirements.
How do I register my insurance company agents in Missouri?
Insurance company agents must be individually licensed through the Missouri Department of Insurance.
Can I sell insurance in Missouri as an insurance broker?
Missouri allows authorized insurance brokers to sell policies from multiple insurance companies.
What is an insurance broker, and how can I become one?
An insurance broker is an independent insurance agent who can offer policies from multiple insurance companies. Becoming an insurance broker involves obtaining a specific, separate insurance license.
Are there any restrictions on the type of insurance my company can sell in Missouri?
Yes, Missouri law sets guidelines for the types of insurance that can be offered and sold in the state and requires insurance companies to file products with the state for approval.
What is the Missouri Insurance Guaranty Association?
The Missouri Insurance Guaranty Association helps provide policyholders protection in case an insurance company becomes insolvent.
How do I file a claim with the Missouri Insurance Guaranty Association in case of an issue with my insurance company?
You’ll need to file a claim with the Missouri Department of Insurance if your insurer has liquidated. Once you have done that, the Department should help you get in touch with a Claims Director.
What is the significance of the Missouri Department of Insurance?
The Missouri Department of insurance deals with issuing permits, regulatory supervision and assuring companies’ solvency, consumer requests.
I’m interested in starting a health insurance company in Missouri; is there anything I should know about the regulations specific to this industry?
Yes, health insurance companies operate in a highly regulated environment, and state law sets specific guidelines for how these companies can operate.
How do I find an actuary to help assess risk for my insurance company?
Actuaries can be found through professional organizations, job boards, and recruiting services.
What is the role of an underwriter, and how do I find one?
An underwriter evaluates and approves insurance policies based on the perceived risk involved. Licensed underwriters can be found through professional organizations and recruiting services.
What types of insurance policies are required by law in Missouri?
Missouri has specific insurance requirements for automobiles, workers’ compensation, and specific types of commercial businesses.
Can I sell insurance policies in Missouri to residents of other states?
Yes, with licensing reciprocity and authorization under certain compact laws or agreements, insurance agents may have the ability to sell policies across the state border and accept varying insurance rates proportional to the insured’s state of residence at the time of renewal.
Can I transfer my insurance license to Missouri if I’m licensed in another state?
Yes, with careful checks and requirements, Missouri may honor insurance company licenses secured by other US state insurance regulators.
What other insurance-related companies should an insurance company in Missouri do business with?
You can reach potential growth alliances within service provocation-oriented banks, software service providers for product tracking, record keeping firms for hiring, recruitment with carrier-specific experience.
How do I keep up with the latest developments in Missouri’s insurance regulations?
Keep investigating any information arising from any regulatory impact acts or any legal changes given through their State legislature or Senate’s permission for laws.
How do I register a Missouri company with an employee leasing company?
To register with an employee leasing company, you’ll need to follow the specific instructions of the firm in question and complete any necessary documentation.
Are insurance companies accountable to pay back money to Consumers in Missouri?
In Missouri and elsewhere, insurance companies have a duty and legal norms to compensate policyholders for covered losses.
What are the consequences of operating an insurance company in Missouri without the required permit?
The illicit offerings of insurance products or activities could carry civil or even criminal consequences. Violators may end up in up to three years of imprisonment depending on their intensity level.
Are bank officers and directors eligible to hold offices in a Missouri insurance company?
Yes, officers or bank employees can have administrative roles under Missouri law if they comply with appropriate standards of service and operation codes and instructions.
What should my business plan for an insurance company in Missouri entail?
Your detailed business plan needs accounting profit and loss (P&L), cash flow, capital requirements estimations, load estimations, projected development, HR requirements and marketing plans, more specifically for Missouri region.

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Conclusion

Starting an insurance company in Missouri may be challenging, but it can be a rewarding and profitable venture with the right approach and resources. By following the steps outlined in this guide and seeking guidance from experienced professionals in the insurance industry, you can successfully navigate the process and establish a thriving insurance business in Missouri.

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