You ask an employee to pick up office supplies, make a bank deposit, or grab lunch for a staff meeting. They take their own car, just like they have done before. On the way, they cause an accident. Their vehicle…
By Tyler Hunter, Licensed Producing Agent, MBG Insurance – Oak Grove, MO I have this conversation almost every week with landscapers, lawn care operators, painters, handymen, and other small contractors. It usually goes something like this: “I’m a one- or…
By Tyler Hunter Forming an LLC can help separate your business obligations from your personal assets, but an LLC is not a substitute for business insurance. The business can still be responsible for injuries, property damage, employee accidents, professional mistakes,…
8 Situations That Warrant a Quick Heads-Up One of the most common questions we hear from business owners is some version of: “What should I be watching for? When do I actually need to call you?” It’s a great question…
Hail Damage and Insurance: Frequently Asked Questions. After a hail storm, it is common for homeowners and drivers to have questions about damage, insurance claims, deductibles, roof coverage, and who is responsible. There is also a lot of misinformation that…
Navigating commercial insurance can be overwhelming — especially for new business owners. But choosing the right coverage is critical to protect your assets, employees, and future growth. The good news is that with the right strategy and information, you can…
Business insurance is not just a requirement for contracts or leases — it is a critical risk management strategy. Yet many business owners unintentionally underinsure, overlook key coverages, or choose policies based solely on price. Taking shortcuts in business insurance…
What Missouri and Arkansas Drivers Need to Know UM (Uninsured Motorist) and UIM (Underinsured Motorist) coverage are two of the most important — and most misunderstood — protections on an auto insurance policy. These coverages are designed to protect you…
If you operate a business in Missouri or Arkansas, you’ve likely been asked to provide a Certificate of Liability Insurance (COI) before starting a job, signing a lease, or entering into a contract. But what exactly needs to be on…
Commercial auto insurance is a critical coverage for businesses operating in Missouri and Arkansas that use vehicles as part of daily operations. If your business owns, leases, or regularly uses vehicles for work purposes, a personal auto policy may not…
