✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Business Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Protect What You've Built.

Brawner Insurance helps businesses across Missouri, Kansas, Iowa, and Illinois find the right commercial coverage to protect their operations, employees, and assets.

★★★★★ 5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
60+ Reviews
Independent Agency Unbiased advice
4 States MO, KS, IA, IL
All Industries Retail, construction, services
Local Support Two Missouri offices
Why It Matters

Why Business Insurance Is Critical

Running a business means managing risk. From customer injuries on your property to equipment breakdowns, vehicle accidents, and employee lawsuits — a single uninsured claim can cost tens of thousands of dollars.

Many contracts, leases, and lenders require proof of insurance before you can operate. The right coverage signals to customers and partners that your business is professional and prepared.

Business owner reviewing commercial insurance
40% of small businesses never reopen after a major uninsured loss
75% of businesses are underinsured by at least 40%
$30K+ average cost of a general liability claim

As an independent agency, we access multiple commercial carriers to compare coverage options and find the right policy at a competitive price for your specific situation.

Compare Coverage Options  →

Ready to protect your business?

We'll compare carriers, find the gaps, and build coverage that fits your operation and budget.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

Business Coverage Through Brawner

Every business faces different risks. Here's what we help companies across four states put in place.

General Liability

Bodily injury, property damage, advertising injury, and legal defense. The foundation every business needs.

Commercial Property

Buildings, equipment, inventory, and business income protection. Replacement cost or ACV options.

Workers Comp

Medical costs, lost wages, rehab, and employer liability for on-the-job injuries. Required in most states.

Commercial Auto

Liability, collision, comprehensive, hired/non-owned vehicles, and fleet coverage for business vehicles.

Professional Liability

E&O coverage for negligence claims, errors, missed deadlines. Essential for IT, accounting, consulting.

Every Business Is Different

Let's build your policy.

We tailor coverage to your industry and risk.

Talk to an Agent →
Specialized Coverage

Additional Business Insurance Options

Cyber Liability

Data breaches, ransomware, digital threats. Covers notification costs, legal fees, and recovery.

Commercial Umbrella

Extra liability protection above underlying policies. Critical for higher-value claims.

Inland Marine

Tools, equipment, and property in transit or stored at job sites away from your location.

Surety Bonds

Performance, payment, and bid bonds for contractors needing bonding for projects or licensing.

Industries We Serve

Insurance for Industries Across the Midwest

Brawner Insurance works with a wide range of businesses across our four-state region:

Construction Retail & Restaurants Manufacturing Professional Services Transportation Nonprofits Agriculture Healthcare Real Estate Fire & EMS (ResponderShield)

Not sure what coverage your business needs?

We'll review your risks, compare carriers, and recommend what actually makes sense for your operation.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Getting Started

How to Get Business Insurance

1

Tell Us About Your Business

Call us or fill out our contact form.

2

Risk Assessment

We evaluate risks and identify gaps.

3

Compare Quotes

Multiple carriers, side by side.

4

Bind Coverage

We handle paperwork, you're covered.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why 'Shopping Insurance Every Year' Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series | Real Fire & EMS Insurance Conversations

Real conversations about fire and EMS coverage, risks, and solutions for districts across Missouri.

Watch on YouTube →

Looking for guidance specific to your needs?

Schedule a Consultation →
Client Reviews

Trusted by Families & Businesses
Across Missouri, Iowa, Kansas & Illinois

See why families and business owners trust Brawner Insurance for reliable, personalized coverage.

★★★★★
5.0
Based on 90+ Google Reviews
Daniel Goodman
★★★★★

"If you're shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service. Thank you!"

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with. Thank you!!"

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

View All Reviews on Google →
Common Questions

Business Insurance FAQ

How much does business insurance cost?

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Costs vary based on industry, size, location, revenue, and claims history. A small service business might pay a few hundred per month, while construction costs more. We provide free quotes for your specific situation.

What business insurance is required by law?

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Workers comp is required in all four states we serve. Commercial auto is required for business vehicles. Some industries require professional liability or surety bonds.

What is a BOP (Business Owners Policy)?

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A BOP bundles general liability and commercial property into one policy, often at a lower premium. Designed for small to mid-sized businesses, it may include business income protection and equipment breakdown coverage.

Can I bundle my business insurance policies?

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Yes. Many carriers offer discounts for bundling. Common bundles include liability with property, or a full commercial package with auto and umbrella coverage.

Do I need insurance if I work from home?

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Yes. Home insurance typically excludes business-related claims. Even home-based businesses should carry general liability and consider professional liability depending on services.

How quickly can I get coverage?

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Many standard policies can be bound within 24-48 hours. Same-day certificates of insurance are often available once coverage is in place.

Protect your business with coverage that fits.

We'll assess your risks, compare carriers, and build a policy tailored to your operation.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

View Location →

Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

View Location →