Brawner Insurance helps businesses across Missouri, Kansas, Iowa, and Illinois find the right commercial coverage to protect their operations, employees, and assets.
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.
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 →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
Every business faces different risks. Here's what we help companies across four states put in place.
Bodily injury, property damage, advertising injury, and legal defense. The foundation every business needs.
Buildings, equipment, inventory, and business income protection. Replacement cost or ACV options.
Medical costs, lost wages, rehab, and employer liability for on-the-job injuries. Required in most states.
Liability, collision, comprehensive, hired/non-owned vehicles, and fleet coverage for business vehicles.
E&O coverage for negligence claims, errors, missed deadlines. Essential for IT, accounting, consulting.
We tailor coverage to your industry and risk.
Talk to an Agent →Data breaches, ransomware, digital threats. Covers notification costs, legal fees, and recovery.
Extra liability protection above underlying policies. Critical for higher-value claims.
Tools, equipment, and property in transit or stored at job sites away from your location.
Performance, payment, and bid bonds for contractors needing bonding for projects or licensing.
Brawner Insurance works with a wide range of businesses across our four-state region:
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
Each state has its own requirements. We help you stay compliant and properly covered.
Call us or fill out our contact form.
We evaluate risks and identify gaps.
Multiple carriers, side by side.
We handle paperwork, you're covered.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →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 →See why families and business owners trust Brawner Insurance for reliable, personalized coverage.
"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!"
"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!!"
"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."
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.
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.
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.
Yes. Many carriers offer discounts for bundling. Common bundles include liability with property, or a full commercial package with auto and umbrella coverage.
Yes. Home insurance typically excludes business-related claims. Even home-based businesses should carry general liability and consider professional liability depending on services.
Many standard policies can be bound within 24-48 hours. Same-day certificates of insurance are often available once coverage is in place.
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