One of the most common questions we hear from small business owners is whether they need to carry workers compensation coverage on themselves. If you own an LLC in Missouri, the answer has a few layers — you’re generally allowed…
By Tyler Hunter Protecting Your Cards, Your Store, and Your Community The collectible card business has exploded. Between vintage sports cards, graded Pokemon cards selling for five figures, and the steady popularity of Magic: The Gathering, card shops today are…
By Kirk Reisner, AIC — Partner, MBG Insurance Talk to enough small business owners about insurance and you hear the same frustrations on repeat. “I never hear from my agent until renewal.” “My certificate requests take a week.” “I got…
Is That Contractor Really Covered? How to Verify Workers’ Compensation Insurance in Missouri By Kirk Reisner, AIC — Partner, MBG Insurance I started my insurance career as a claims adjuster before I ever sold a policy, and I’ll tell you…
If you’re a general contractor in Missouri, you’ve heard every version of this argument: “I’m exempt.” “I’m just a one-man shop.” “I’ve never had a claim in 20 years.” “You’re the only GC who asks for this.” Here’s the problem:…
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…
By Kirk Reisner 06/03/2026 Tree work is dangerous, your equipment is expensive, and one bad claim can threaten everything you’ve built. Shopping for the right commercial insurance doesn’t have to be complicated — but it does require knowing what to…
Key Takeaways The Assumption That Could Cost You Everything Every week, I talk to Arkansas business owners who’ve made the same call: skip workers’ comp, pocket the savings, and lean on health insurance if something goes wrong. It sounds reasonable.…
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…
Concrete work is physically demanding, project-driven, and carries real financial risk — from a cracked foundation claim to an employee injury on a pour day. If you’re running a concrete contracting business in Arkansas or Missouri, whether residential, commercial, or…
