✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Employee Benefits & Group Health Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Build a Benefits Package Your Team Will Love.

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.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Complete Benefits PackageHealth, dental, life, retirement & more
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Employers Choose Brawner Insurance

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.

MPCI crop coverage
All-in-Onehealth, dental, vision, life, disability & retirement
50+group benefits carriers in our network
Since 1992serving Midwest employers and their teams

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.

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Build a benefits package that works.

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.

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660-665-1687  ·  660-754-1000

Coverage Options

Employee Benefits Through Brawner

Group benefits packages can include many different types of coverage. Here is what we help employers put in place.

Yield Protection

Group Health Insurance

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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Revenue Protection

Dental & Vision

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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RP-HPE coverage

Life & Disability

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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Area Risk Protection

Retirement & 401(k)

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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Supplemental Coverage Option

HSA, FSA & Wellness

Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and workplace wellness programs — giving employees more control over healthcare spending while reducing employer costs.

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Every Operation Is Different

Build your policy.

We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.

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Your Options

Endorsement vs. Standalone Policy — Which Fits You?

Earthquake coverage can be added to your home policy or purchased as a separate policy. Here is how they compare.

Option 1

Earthquake Endorsement

  • Added directly to your existing homeowners policy
  • Usually the most affordable option
  • One deductible applies to the quake coverage
  • Coverage limits match your home policy limits
  • Simpler to manage — one policy, one renewal
  • Not offered by every home insurance carrier

Best for: homeowners whose current carrier offers the endorsement at a fair rate.

Option 2

Standalone Earthquake Policy

  • Separate policy purchased from a specialty carrier
  • Higher limits available than most endorsements
  • Broader coverage options including aftershock damage
  • Works alongside your existing home policy
  • Better fit in higher-risk regions and fault zones
  • Typically higher premium than an endorsement

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 →

Not sure which path is right for you?

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

Key Moments

When to Review Your Earthquake Coverage

Earthquake risk changes with home value, location, and regional activity. Here are the key moments to review.

Buying a New Home

Home purchase is the ideal moment to add earthquake coverage — you can build it into your policy from day one without a waiting period.

Major Home Improvements

Renovations, additions, or structural upgrades change your home value. Update earthquake limits to match your new replacement cost.

Regional Seismic Activity

After a noticeable quake or increased regional activity, carriers may restrict new policies. Contact us early rather than waiting.

Annual Policy Review

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.

Our Process

How We Help You Protect Your Home

1

Review Your Situation

We learn about your needs, current coverage, and priorities so we can recommend the right earthquake policy.

2

Compare Carriers

We shop your earthquake across top carriers to find competitive pricing and the right fit.

3

Explain Your Options

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

4

Set Up and Support

We handle the binding, 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?

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Getting Started

How Earthquake Coverage Works

1

Free Consultation

We start by understanding your situation, needs, and budget so we can recommend the right earthquake policy for you.

2

Plan Comparison

We compare earthquake policies from multiple top 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 Clients Across Missouri, Iowa, Kansas & Illinois

See why homeowners across the Midwest trust Brawner Insurance for earthquake 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."

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Common Questions

Earthquake Insurance FAQ

Does homeowners insurance cover earthquakes?

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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.

How much does earthquake insurance cost?

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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.

What does earthquake insurance cover?

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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.

Do I need earthquake insurance in the Midwest?

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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.

Is there a waiting period for earthquake coverage?

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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.

Can Brawner Insurance help me find the right earthquake insurance policy?

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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.

Get earthquake protection you can trust.

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

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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