Employee Benefits and Group Health Insurance from Brawner Insurance helps employers attract and retain top talent with comprehensive health, dental, vision, life, disability, and retirement plans. We work with businesses of every size across Missouri, Iowa, Kansas, and Illinois.
Quality benefits are the #1 factor employees consider when choosing where to work. A strong benefits package attracts top talent, reduces turnover, and keeps your team healthy and productive. But navigating group health insurance, ACA compliance, and benefits administration can be overwhelming for any employer.
As an independent insurance agency since 1992, Brawner Insurance simplifies group benefits for businesses of every size. We work with over 50 top carriers to design custom benefits packages, handle enrollment, support employees with claims, and manage annual renewals — so you can focus on running your business.

From small businesses with a handful of employees to large employers with hundreds, Brawner Insurance builds custom benefits packages that fit your budget, attract top talent, and keep your team healthy. Independent agency advantage means we shop multiple carriers for the best rates.
Get a Free Quote →We will assess your workforce, design a custom benefits package, and shop multiple carriers to find you the best rates — at no cost to you.
Get a Free Quote →660-665-1687 · 660-754-1000
Group benefits packages can include many different types of coverage. Here is what we help employers put in place.

Comprehensive medical coverage for your employees and their families — including major medical, preventive care, prescription drugs, and access to large provider networks across the Midwest.
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Add dental and vision benefits to your group package — covering routine cleanings, exams, glasses, contacts, and major dental work to keep employees healthy and productive.
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Group life insurance and short-term/long-term disability coverage — providing financial security for employees and their families when life takes unexpected turns.
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Help employees save for retirement with group 401(k), SIMPLE IRA, and other retirement benefit plans — a key recruiting and retention tool for modern employers.
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Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and workplace wellness programs — giving employees more control over healthcare spending while reducing employer costs.
Learn More →We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.
Talk to an Agent →Earthquake coverage can be added to your home policy or purchased as a separate policy. Here is how they compare.
Best for: homeowners whose current carrier offers the endorsement at a fair rate.
Best for: homeowners in higher-risk regions or those wanting dedicated earthquake protection.
Not sure which approach is right for your home? We will review your location, home value, and risk to recommend the best option.
Compare My Earthquake Options →We will review your home, location, and risk to recommend the right earthquake coverage.
Get a Free Earthquake Review →660-665-1687 · 660-754-1000
Earthquake risk changes with home value, location, and regional activity. Here are the key moments to review.
Home purchase is the ideal moment to add earthquake coverage — you can build it into your policy from day one without a waiting period.
Renovations, additions, or structural upgrades change your home value. Update earthquake limits to match your new replacement cost.
After a noticeable quake or increased regional activity, carriers may restrict new policies. Contact us early rather than waiting.
Home values and construction costs rise each year. An annual review ensures your earthquake limits keep pace with rebuilding costs.
Planning Tip: Note: Most earthquake policies have a 30-60 day waiting period after purchase — do not wait until a quake is in the forecast.
We learn about your needs, current coverage, and priorities so we can recommend the right earthquake policy.
We shop your earthquake across top carriers to find competitive pricing and the right fit.
We walk through coverages, limits, and exclusions in plain language — no jargon.
We handle the binding, paperwork, and stay available year-round for claims and questions.
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 coverage, risks, and solutions for clients across the Midwest.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →We start by understanding your situation, needs, and budget so we can recommend the right earthquake policy for you.
We compare earthquake policies from multiple top carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why homeowners across the Midwest trust Brawner Insurance for earthquake coverage.
"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."
"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."
"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."
No — standard homeowners policies specifically exclude earthquake damage. You need either an earthquake endorsement added to your home policy or a standalone earthquake policy. Brawner Insurance helps you understand your options.
Premiums depend on your location, home construction, age, and coverage limits. Homes in higher-risk zones cost more. Brawner Insurance shops multiple carriers to find competitive rates for your specific risk.
Most policies cover damage to your dwelling, personal belongings, and additional living expenses if your home is unlivable after a quake. Coverage varies by carrier — Brawner Insurance helps you compare the specifics.
The New Madrid Seismic Zone runs through parts of Missouri, Arkansas, Tennessee, and Illinois and has historically produced major quakes. Many Midwest homeowners benefit from the coverage. Brawner Insurance can assess your specific risk.
Yes — most earthquake policies have a 30 to 60 day waiting period after purchase before coverage takes effect. This prevents buying a policy after a quake is expected. Plan ahead with Brawner Insurance.
Yes — as an independent insurance agency, Brawner Insurance shops your earthquake insurance coverage across multiple top carriers to find the right protection at a competitive rate. We work with clients across Missouri, Iowa, Kansas, and Illinois.
Brawner Insurance helps homeowners across the Midwest find the right earthquake coverage — endorsements and standalone policies — with unbiased advice from independent agents.
Get a Free Quote →660-665-1687 · 660-754-1000
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
Learn MoreProtect your house, belongings, and personal liability with the right policy.
Learn MoreExtra liability protection above your home and auto policy limits.
Learn MoreProtect your family financial future with term and whole life policies.
Learn MoreProtect farm buildings, equipment, and livestock with comprehensive coverage.
Learn MoreBOP, cyber liability, workers comp & commercial auto for businesses.
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