We learn your business, then we shop it. General liability, workers compensation, commercial auto and property for local businesses.
Carthage and the towns around it run on small trades businesses, family operations and agriculture-adjacent work. Most of our commercial business here is contractors, haulers and small shops — the kind of account where getting the workers compensation class codes and the subcontractor certificates right saves more money than switching carriers ever will.
General liability · Business owners policies · Workers compensation · Commercial auto · tools and equipment coverage · umbrella · group health.
Contractors are a large share of our commercial book, and the contractor page covers what a GC agreement usually demands.
Class codes against what your employees actually do. Payroll estimates against reality. Subcontractor exposure and whether certificates are on file. Your experience modifier and the data behind it. Claims history and how open claims are reserved.
Fixing what is inside the policy often saves more than changing carriers, and it carries into every renewal after this one. Start with the business insurance checkup.
Certificates of insurance go out immediately once coverage is bound, by phone or email, and we can send them straight to the general contractor, the property owner or the lender.
Send us the insurance section of a lease or a customer contract and we will tell you whether your current policies actually comply — additional insured status including completed operations, primary and non-contributory wording, waivers of subrogation and limits.
Most of our Carthage clients come from Webb City, Oronogo, Jasper, Alba, Purcell, Sarcoxie, Avilla, La Russell, Reeds, Lamar, Golden City, Mount Vernon, Miller and Pierce City.
We are licensed across Missouri, Kansas and Oklahoma, so if you are further out we can still write it — most of what we do works by phone. Visit the Carthage office at 103 W Airport Dr, Carthage, MO 64836, Monday to Friday, 9 to 5, or call 417.358.1751.
Immediately upon binding. Once coverage is in force we issue it the same day you ask, and we can send it directly to whoever needs it.
Most come back within 24 hours. Accounts needing underwriting review, loss runs or inspections take longer, and we will tell you up front which one yours is.
Generally at five or more employees, and generally at one or more in construction. Owners and officers can count toward the threshold. Call us with your headcount and the type of work and we will tell you where you stand.
Tell us what the business does and we will shop it properly across our markets.