The top-rated business insurance agent in St. Louis, Missouri is MBhealth Insurance Agency, rated 4.9 stars across 577 reviews. Other highly rated options include POWERS Insurance and Risk Management, Kevin Wingenbach - State Farm Insurance Agent, Freeway Insurance. This directory lists 61 business insurance agents serving St. Louis.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | MBhealth Insurance Agency | 9700 MacKenzie Rd STE 101 | (314) 544-5400 |
| 2 | POWERS Insurance and Risk Management | 6825 Clayton Ave #200 | (314) 725-1414 |
| 3 | Kevin Wingenbach - State Farm Insurance Agent | 4530 Lemay Ferry Rd Suite L | (314) 487-2100 |
| 4 | Freeway Insurance | 4721 S Kingshighway Blvd | (314) 343-5029 |
| 5 | Matt Stark: Allstate Insurance | 8229 Clayton Rd Ste 200b | (314) 862-5990 |
| 6 | R T Thomas Insurance, LLC | 8131 Delmar Blvd | (314) 725-5535 |
| 7 | Kreismann Bayer Insurance Agency | 652 N New Ballas Rd | (314) 567-3344 |
| 8 | Farmers Insurance - Jeremy Heisserer | 4185 Crescent Dr Suite C | (314) 849-9898 |
| 9 | Goetz Insurance Agency | 4586 Telegraph Rd | (314) 720-1702 |
| 10 | Valley Insurance Agency Alliance LLC (VIAA) | 6825 Clayton Ave #200 | (314) 333-4910 |
MBhealth Insurance Agency serves the St. Louis metro area and surrounding Missouri counties, offering business insurance agent services for local enterprises. The firm helps companies manage commercial risk by guiding them through the complexities of liability coverage, property protection, and workers’ compensation policies. Business owners can also secure tailored plans to protect their physical assets and maintain operational continuity after unexpected events. Its work in this area includes designing customized general liability packages and advising on commercial auto insurance for fleets.
POWERS Insurance and Risk Management in St. Louis, MO provides a range of services including general liability, property, and workers compensation coverage for local businesses. The agency works with clients to assess their specific operational exposures and select appropriate policy limits. Regular policy reviews and risk management consultations are offered to help maintain adequate protection as business needs change. The company serves a variety of property types such as single-family homes, apartment complexes, retail stores, and restaurants across the metropolitan area.
Kevin Wingenbach - State Farm Insurance Agent in St. Louis, MO serves homeowners, businesses, and property managers seeking local commercial coverage. The agency offers business insurance policies designed to protect company assets, liability risks, and commercial property. Clients meet with an agent to discuss tailored plans that address their unique operational needs in the St. Louis area. The office also provides coverage for businesses operating in the greater metropolitan region, including neighboring communities such as Clayton.
As a business insurance agent in St. Louis, Freeway Insurance specializes in providing tailored commercial liability policies to protect against common claims. It also offers general property insurance for local storefronts and warehouses to safeguard physical assets. Additionally, the company assists with workers’ compensation coverage to manage on-site risks for employees. During the winter season in Missouri, Freeway Insurance helps businesses prepare for potential property damage from ice storms and freezing temperatures by reviewing policy endorsements for frost and snow-related losses.
Matt Stark of Allstate Insurance in St. Louis advises business owners on managing their liability and property exposures. The agency assists local enterprises with tailoring coverage plans that address industry-specific operational risks common in the metro area. These general protections are paired with specialty add-ons, including commercial auto policies, workers compensation, and general liability extensions. The agency serves commercial sectors such as offices, warehouses, and food service establishments, helping them secure appropriate insurance packages.
In the St. Louis area, local businesses face shifting seasonal risks from spring storms to winter liability. R T Thomas Insurance, LLC provides commercial coverage tailored to these evolving needs. As a Business Insurance Agent, the company works directly with small and mid-sized firms to secure general liability, property, and workers’ compensation policies. They evaluate each client’s specific exposures to identify appropriate protection. The process begins with a thorough on-site inspection or a detailed virtual assessment of the business premises and operations.
Kreismann Bayer Insurance Agency is a St. Louis, Missouri firm known for helping local businesses secure essential liability and property coverage. Their service range includes general liability policies, commercial auto insurance, and workers’ compensation plans tailored to small and medium-sized enterprises. Risk assessment and policy comparison are standard parts of their consultation process. They work with various industries to build commercially appropriate protection packages. A specialty service this agency can add on is professional liability insurance for service-based and consulting firms in the greater St. Louis area.
Farmers Insurance - Jeremy Heisserer works with businesses in St. Louis, Missouri, to structure general liability and property coverage tailored to their specific operational risks. The agency also offers specialty add-ons such as inland marine and professional liability protection. Policy recommendations are based on each company’s exposure to weather, equipment loss, or client claims. This commercial insurer serves offices requiring business interruption coverage, warehouses needing inventory protection, and food service operations seeking spoilage and premises liability policies.
Goetz Insurance Agency serves St. Louis, Missouri, by matching local residences with appropriate property and liability coverage. Its agents also provide business insurance policies designed to protect commercial operations from common regional risks, such as weather-related damage and liability claims. The agency extends these personal and commercial services throughout the greater St. Louis area, ensuring coverage alignment with local needs. After initial policies are placed, the agency follows up between regular annual visits to adjust coverage as client circumstances or market conditions change.
What Does a a Business Insurance Agent in St. Louis Cost?
Typical costs for a small business insurance policy in Missouri range from 500 to 3,000 dollars per year for a basic BOP. Workers compensation premiums vary by payroll and industry classification, often starting at 1,000 dollars annually. Professional liability coverage can cost 500 to 2,500 dollars per year depending on risk level. These are general estimates. Actual costs depend on your business type location claims history and coverage limits. This is general information and not insurance advice.
About business insurance agents in St. Louis
Business insurance agents in St. Louis Missouri help local companies find coverage for general liability commercial property and workers compensation. Missouri law requires most employers with five or more workers to carry workers compensation insurance. An agent can explain policy options and help you meet state requirements while protecting your assets.
Frequently Asked Questions
What types of business insurance are required in Missouri?
Missouri requires workers compensation insurance for most employers with five or more employees. Commercial auto insurance is required for any business-owned vehicles. General liability and property insurance are not state-mandated but are often required by landlords or contracts.
How do I choose a business insurance agent in St. Louis?
Look for an agent who is licensed in Missouri and has experience with your industry. Ask about the insurance carriers they represent and whether they offer both standard and surplus lines coverage. A local agent understands St. Louis risks like severe weather and urban liability concerns.
Can a business insurance agent help with a Missouri business owners policy?
Yes. A business owners policy or BOP combines general liability and commercial property coverage into one package. Many St. Louis agents offer BOPs as a cost-effective solution for small and mid-sized businesses. The agent can tailor the policy to your specific operations.
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