Missouri Independent Agents

All Your Missouri Insurance Needs Met in One Place

Get help from one of our Missouri independent agents.

They understand your risks and will find you the coverage you need.

Most Popular Coverages in Missouri

Home Insurance

The coverage you need to protect your home and everything in it.

Auto Insurance

The right protection for you, your car and others on the road.

Business Insurance

Broad protection that covers you, your employees, and customers.

Workers' Compensation

Valuable employee coverage for work-related injuries and illnesses.

Home insurance gives the peace of mind that comes from knowing that a home owner's finances are protected if a disaster strikes in their neighborhood. Whether it's a fire, hailstorm, tornado, or a rash of burglaries, they will be covered if they have a suitable homeowners insurance policy in Missouri. Some of the coverages in a home insurance policy are dwelling insurance, general liability, and loss of use insurance.

If a driver is at fault for an accident, they can be held liable for compensating other people for their property damage and for the cost of medical treatment if they are injured in the collision. Given the high cost of health care, an accident that involves injuries can be extremely expensive and could cause a great deal of financial harm if the driver is not properly insured. 

Car insurance in Missouri includes a mixture of mandatory and optional coverages. If a policyholder is involved in a collision in Missouri, their car insurance may include coverages such as collision and comprehensive insurance, liability, personal injury protection, bodily injury liability insurance, and uninsured motorist coverage

Business insurance is designed to pay for losses, damage, and other expenses associated with covered events so that a business doesn’t have to. If inventory is damaged, a client files a liability lawsuit, or an employee is severely injured on the job, the business owner won't have to worry about how it will affect their business’s bottom line.

Missouri worker's compensation insurance provides the following benefits to injured employees: medical benefits, temporary total disability benefits and permanent partial or permanent total disability benefits, death benefits, including weekly benefits for certain surviving dependents, and funeral expenses up to $5,000.

A typical restaurant insurance policy includes the following coverages: general liability, worker's compensation, property insurance, business income, ordinance and law, boiler and machinery, spoilage, and communicable disease.

Depending on the policy chosen and the added coverage included, commercial auto insurance in Missouri can cover the following: bodily injury, personal injury, collision and comprehensive coverage, and medical payments. There may be other options available depending on the type of Missouri business. Insurance companies offer policies tailored to the specific needs of businesses.

Missouri is  located in Tornado Alley. That's  the part of the US that is known for tornadoes. But besides the risk that a property will have to survive 100-mph winds, hotels in Missouri are at risk for some other common hotel insurance claims that could force them to close their doors before they can turn a profit. The most common claims are: tornado or hail damage, flood damage, liability, data breaches, and business interruption.

Umbrella insurance works to extend and expand the existing liability coverage in homeowners and auto insurance policies to protect policyholders, their homes, and their future earnings and assets if someone sues them. This extra insurance raises coverage limits and covers the types of claims that homeowners liability cannot cover, such as false arrest, certain types of dog bites, libel, and slander.

If a tenant rents a Missouri home, having insurance protection for themselves and their possessions is still important. Similar to home insurance, renters insurance protects them in situations that anyone might face: fire, theft, water damage, and other unforeseen circumstances not covered by the property owner's landlord policy.

Most people don't start seriously thinking about buying life insurance until they start a family and settle down in one of Missouri's many neighborhoods. At about the age of 30, most people realize they are not indestructible and they have real financial responsibilities.

At the age of 30, 40 or 50, or even later, it's not too late to buy life insurance that will protect dependents from financial hardship or provide for them in retirement. However, the longer the wait, the higher the premiums will climb. Buying life insurance early in life can lock in a premium at a more affordable rate than it will be later.

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