From corn and soybean operations across northern Missouri to row-crop farms in the Bootheel, MO farmers stack ECO on their MPCI for maximum federal crop insurance protection — Brawner Insurance helps Missouri businesses design custom benefits packages with health, dental, vision, life, disability, and retirement options from over 50 top carriers.
Missouri farmers grow over 3 million acres of corn and soybeans annually. ECO provides MO operations with the highest level of federal crop insurance available — extending coverage up to 90% or 95% of expected county yield or revenue, ideal for high-input farms in regions facing widespread weather risks.
As an independent agency since 1992, Brawner Insurance simplifies group benefits for Missouri businesses of every size. We work with over 50 top carriers to design custom packages, handle enrollment, support employees with claims, and manage annual renewals.

From small businesses to large employers across Missouri, Brawner Insurance builds custom benefits packages that attract top talent, reduce turnover, and keep teams healthy. Our independent agency model means we shop multiple carriers for the best rates.
Get a Free Quote →Brawner Insurance helps Missouri businesses design custom group benefits at competitive prices from over 50 top carriers.
Get a Free Quote →660-665-1687 · 660-754-1000
Group benefits can include many types of coverage. Here is what we help Missouri 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 →Small and mid-sized employers have two main funding options for group health. Here is how they differ.
Best for: small employers who want predictable costs and minimal risk.
Best for: mid-sized employers with healthy groups who want potential savings.
Not sure which model is right for your business? We will review your team, budget, and goals to recommend the right fit.
Compare My Group Health Options →We will review your team size, demographics, and budget, then recommend the right group health structure for your business.
Get a Free Benefits Review →660-665-1687 · 660-754-1000
Benefits need to evolve with your business. Here are the key moments to review your program.
Renewal is the main window to change carriers, adjust plan design, and re-shop the market. Start 60-90 days before your effective date.
Adding employees can unlock better rates and new plan options. A quick check-in can reveal savings opportunities.
If your team is unhappy with current benefits, renewal is the moment to change. We help you balance cost with what employees actually value.
Health insurance rules shift regularly. Brawner keeps your program compliant and optimized as regulations evolve.
Planning Tip: Start renewal planning 60-90 days before your plan effective date. Earlier shopping usually leads to better options and better rates.
We learn about your needs, current coverage, and priorities so we can recommend the right group health policy.
We shop your group health 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 group health policy for you.
We compare group health 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 employers across the Midwest trust Brawner Insurance for employee benefits.
"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."
Group health plans typically cover doctor visits, hospital care, prescription drugs, preventive care, and more. Plan design varies. Brawner Insurance helps you compare networks, deductibles, and benefits.
Premiums depend on your team size, age mix, location, plan design, and funding model. Brawner Insurance shops multiple carriers and funding options to find competitive pricing for your group.
Fully insured means the carrier assumes all claim risk for a fixed premium. Level funded means the employer pays a fixed amount with stop-loss protection and can share in good claims experience. Brawner helps you choose.
Most carriers accept groups as small as two enrolled employees. Some states have specific rules. Brawner Insurance can confirm what your state and carrier partners require.
Yes — dental, vision, life, and disability can be bundled with your medical plan or offered separately. Brawner Insurance helps you build a complete benefits package that fits your budget.
Yes — as an independent insurance agency, Brawner Insurance shops your employee benefits 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 employers across the Midwest build the right employee benefits program — group health, dental, vision, life, and disability — 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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