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Frequency asked questions in insurance
This section covers frequently asked questions in regard to our services, questions that most customers have asked us over the years of providing exemplary insurance services.
The state of Missouri requires you to carry bodily injury & property damage with the minimums of $25,000/$50,000/$25,000.
To file a claim, give us a call and we will guide you through the process.
Bundling your home & auto, having multiple cars, and the student discounts are the most popular. However, there are many discounts available, and our brokers will help you find the most discounts possible!
- Earth movement
- Water
- Nuclear hazard
- Neglect or failure to make repairs
- Corrosion, deterioration, decay, or rust
- Wear and tear
- Contamination
- Fungi
- Increased cost due to enforcement of any building ordinance or law
- Government actions
- Power failure
- Animals or pests
- War
Business insurance is considered one of the costs of doing business. That means you can deduct premiums that serve a business purpose, such as your premium for general liability insurance or professional liability insurance.
Workers compensation insurance is not typically required for independent contractors. However, in some situations someone who is self-employed or an independent contractor might want to purchase a policy.
The amount of BOP coverage you need depends on factors such as the type and size of your business, number of employees, and the type of customers you typically work with.
Anytime you have significant events or changes in your life.
Most states require drivers to carry a minimum amount of liability insurance or establish financial responsibility in some other way. Drivers must also have the ability to provide proof of insurance to register or renew a driver’s license.
We will find the best option for you! One of our agents will run the numbers to ensure you get the most competitive rate at the best price possible.
A deductible is the amount you are responsible for in the event of a covered loss. In most covered loss cases, you are responsible for any amounts up to your deductible level. Your insurance will cover anything beyond that up to your coverage limit.
Most types of commercial insurance are optional. However, depending on the state laws where your business operates, you may be required to purchase: Worker’s Compensation Insurance if you have employees, commercial auto insurance for business owned vehicles, professional liability insurance for certain professional services, and/or liquor liability insurance if you sell alcohol.
General liability insurance for contractors provides protection when a customer or client holds you liable for an injury or property damage. Your clients may require you to obtain their coverage before entering into a contract. Certain industries such as construction require independent contractors to carry general liability insurance. Even when it’s not required, an independent contractor might purchase this coverage to safeguard against common lawsuits.
Contact your agent or our office.
Depends of the insurance company and the type of coverage that you applied for. The underwriting process for a traditional, fully underwritten process can take anywhere from 2 to 8 weeks. A no-exam or final expense policy can be issued from a few minutes to about two weeks. The delivery time is about a week after the policy’s approval.
We specialize in providing you with the best insurance policy.
We founded our business on three main principles – knowledge, affordability, and quality service – and we pride ourselves on our commitment to these principles each day.
(417) 597-8930
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1911 S. National Ave Ste 109
Our office is centrally located in Springfield.
insurance@417grp.com
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