If you carry workers’ compensation insurance for your Missouri business, one essential part of maintaining that coverage is a workers’ compensation audit. These audits ensure you’re paying the correct premium based on your actual payroll, employee classifications, and business exposure…
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…
Many self-employed contractors across Missouri and Arkansas ask the same question: “I’m self-employed — can a general contractor require me to carry workers’ compensation?” The short answer is yes, they can. Even if state law does not require you to…
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…
Equipment breakdown coverage is an often-overlooked but highly valuable protection for homeowners and businesses in Missouri and Arkansas. Many property owners assume that equipment failures are covered by standard insurance policies. In reality, most home and commercial policies exclude losses…
This is one of the most common and most misunderstood questions among business owners in Missouri and Arkansas. The short answer is: it depends — on your role in the company, your business structure, and how your workers’ compensation policy…
Serving on the board of a nonprofit can be deeply rewarding — you’re giving back, helping steer mission-driven work, and offering your expertise to a cause you believe in. Before you sign on the dotted line, there’s an important piece…
A well-structured policy may include: For a deeper explanation of how commercial auto insurance works and what it typically covers, you can also reference Auto-Owners Insurance’s commercial auto overview:👉 More information from Auto-Owners This resource provides a clear breakdown of…