✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Business Owners Policy  ·  Missouri

Missouri BOP Insurance. All-in-One Business Protection.

From retail shops in Kirksville to professional offices across St. Louis and Kansas City, MO small businesses trust Brawner Insurance for BOP coverage — Brawner Insurance helps Missouri small businesses find affordable Business Owners Policy coverage from multiple top commercial carriers.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
All-in-One ProtectionProperty + liability + more
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Missouri Businesses Choose Brawner Insurance

Missouri has over 530,000 small businesses that form the backbone of the state economy. From storefronts to service businesses, MO owners need affordable BOP coverage. Brawner Insurance helps Missouri small businesses protect their property, liability, and operations with bundled policies.

As an independent agency since 1992, Brawner Insurance helps Missouri small business owners compare BOP quotes from multiple top commercial carriers, customize coverage to their industry and size, and save money with bundled policies — all while providing local, personal service.

Business Owners Policy protection
10-15%typical savings for Missouri small businesses
3-in-1property, liability & interruption bundled
Since 1992serving Missouri small businesses

From retail shops and restaurants to professional offices across Missouri, Brawner Insurance helps small business owners protect their operations with affordable BOP coverage. Our independent agency model means we shop multiple carriers for the best rates.

Get a Free Quote →

Missouri businesses — bundle your coverage.

Brawner Insurance helps Missouri small businesses find affordable BOP coverage from multiple top commercial carriers — at no cost to you.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

BOP Coverage Through Brawner

A BOP bundles essential coverages small businesses need. Here is what is typically included for Missouri businesses.

Property Insurance

Property Insurance

Covers your building, equipment, inventory, furniture, and business personal property from fire, theft, vandalism, and other covered perils — protecting your physical assets.

Learn More →
General Liability

General Liability

Protects your business from lawsuits over bodily injury, property damage, and personal injury claims — covering legal fees, settlements, and medical costs from third-party claims.

Learn More →
Business Interruption

Business Interruption

Covers lost income and operating expenses if your business cannot operate due to a covered loss — keeping you financially stable during repairs or rebuilding.

Learn More →
Equipment Breakdown

Equipment Breakdown

Covers mechanical and electrical breakdown of essential business equipment — HVAC, computers, manufacturing equipment, and more — getting you back in business fast.

Learn More →
Additional Coverages

Additional Coverages

Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.

Learn More →
Every Business Is Different

Build your policy.

We tailor BOP coverage to your industry, size, and risk profile — every business is unique.

Talk to an Agent →
Your Options

BOP vs. Separate Policies — Which Fits You?

BOPs bundle essential coverages for small businesses into one affordable package. Here is how they compare to buying separate policies.

Option 1

General Liability

  • Covers temporary disabilities of weeks or months
  • Benefits begin after 0-14 day waiting period
  • Typically pays for 3-12 months
  • Replaces 60-70% of income during recovery
  • Ideal for surgeries, childbirth, short illnesses
  • Often offered through employers or individually

Best for: people who need immediate income protection for temporary setbacks.

Option 2

Business Interruption

  • Covers serious disabilities lasting years
  • Benefits begin after 90-180 day waiting period
  • Typically pays until age 65 or 67
  • Replaces 50-70% of income long-term
  • Ideal for chronic illness, serious injury
  • Most critical coverage for professionals

Best for: professionals who need to protect decades of future earning potential.

Not sure which is right for your business? We will review your needs and recommend the best approach.

Compare My Business Options →

Not sure what coverage is right for you?

We will review your business, compare BOP and separate policy options, and recommend the right coverage.

Get a Free Business Review →

660-665-1687  ·  660-754-1000

Key Facts

What You Should Know About BOPs

Understanding these key facts helps you decide if a BOP is right for your business.

Bundled Savings

BOPs typically cost 10-15% less than buying property and liability insurance separately — designed specifically for small business affordability.

Who Qualifies

BOPs are designed for small to mid-sized businesses with modest revenue, limited locations, and lower-risk operations.

What's Included

Property, general liability, and business interruption are the three core coverages. Most BOPs also include many valuable add-ons.

Customizable

BOPs can be customized with add-ons like data compromise coverage, employment practices liability, and professional liability.

Planning Tip: Review your BOP annually as your business grows. Coverage needs change with revenue, employees, and new locations — making sure your policy keeps pace.

Our Process

How We Help You Choose

1

Review Your Situation

We learn about your business, industry, operations, and goals so we can recommend the right BOP coverage.

2

Compare Carriers

We shop your BOP across top commercial carriers to find competitive pricing and the right coverage features.

3

Explain Your Options

We walk through coverages, limits, and exclusions in plain language — no insurance jargon.

4

Set Up and Support

We handle the application, paperwork, and stay available year-round for claims and questions.

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 Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

Schedule a Consultation →
Getting Started

How BOP Insurance Works

1

Free Consultation

We start by understanding your business, industry, and needs so we can recommend the right BOP policy.

2

Plan Comparison

We compare BOP policies from multiple top commercial carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Businesses Across Missouri, Iowa, Kansas & Illinois

See why business owners across the Midwest trust Brawner Insurance for BOP coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are 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."

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."

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

Missouri BOP Insurance FAQ

How much does a BOP cost in Missouri?

+

In Missouri, BOP costs vary based on industry, revenue, location, property value, and coverage limits. Small businesses often pay $500-$3,000 annually. Brawner Insurance compares quotes from multiple top commercial carriers for Missouri businesses.

What does a BOP cover for Missouri businesses?

+

A BOP covers property insurance (building, equipment, inventory), general liability, and business interruption for Missouri small businesses. Many BOPs also include valuable add-ons like data compromise and employment practices coverage.

Who qualifies for a BOP in Missouri?

+

BOPs are designed for small to mid-sized Missouri businesses with modest revenue, limited locations, and lower-risk operations. Retail stores, restaurants, offices, and service businesses typically qualify. Brawner Insurance helps determine if your business qualifies.

Can I customize my BOP in Missouri?

+

Yes — BOPs for Missouri businesses are highly customizable. Common add-ons include data compromise coverage, employment practices liability, professional liability, and commercial auto. Brawner helps tailor your BOP to your specific needs.

How does a BOP compare to separate policies in Missouri?

+

BOPs typically cost 10-15% less than buying property and liability separately for Missouri small businesses. They also simplify billing and administration. Brawner helps you decide if a BOP or separate policies are right for your business.

Can Brawner help Missouri businesses find the right BOP?

+

Yes — Brawner Insurance works with Missouri small businesses to compare BOP policies from multiple top commercial carriers, explain coverage features in plain English, and find the right combination of protection and affordability.

Protect Missouri businesses with a BOP.

Brawner Insurance helps Missouri small businesses find affordable Business Owners Policy coverage from multiple top commercial carriers — property, liability, and interruption in one package.

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 →