Personal and Commercial Insurance Services
At B & S Insurance, we offer comprehensive coverage for anything you may need to insure. Our friendly insurance experts will sit down to help you find the right amount of coverage for you. From personal and farm insurance to employee benefits and commercial insurance, B & S has you covered.
PERSONAL INSURANCE
From home, auto, and life insurance to health, dental, and prescription plans - no matter what you need, we can cover it. Don't worry... B & S Insurance is always on the search for the bull and won't allow any bull in your policies!
HOME INSURANCE
Your home is where you should feel safe and comfortable. Home insurance will give you peace of mind by protecting your home and possessions against damage or theft – and we have policies for your rental property, seasonal or vacant dwelling, or mobile home, too. If you rent instead of own, you'll want to consider renters insurance to protect your belongings. Earthquake and flood insurance are other options.
AUTO INSURANCE
Auto insurance gives you financial protection in the case of vehicle damage or theft, or expenses incurred by you or others because of an accident. B & S Insurance also has plans that cover your motorcycle; golf cart; antique or classic automobiles; recreational vehicles such as ATV, UTV or RV; and watercraft such as a boat or jet ski.
LIFE INSURANCE
Why buy a life insurance policy? It will cover your funeral and burial costs, as well as assume your debt, easing the burden on your family at a difficult time. Plus, life insurance can replace income for your dependents, create an inheritance for your heirs, and set up a succession plan if you own a business. Some policies also serve as a source of savings.
HEALTH INSURANCE
B & S Insurance can help you through the complexity of choosing an Individual health insurance plan to comply with the law, provide you and your family with essential and affordable medical care, and protect you from unexpected, high health care costs. We also can help with prescription plans.
DENTAL INSURANCE
When you take care of your teeth, it has a positive effect on your overall health. But dental work can be costly – and that's where dental insurance comes in. You can save money, and by going to the dentist regularly, you can ensure dental problems are caught early before they get too serious or require more expensive care.
SENIOR PRODUCTS
Let B & S Insurance help you choose Medicare Part D and Medicare Supplement plans that fit your lifestyle and health care needs. Our licensed producers can walk you through the process and guarantee you have the senior products that make sense for you.
Other personal insurance options to consider
based on your individual needs:
- Long-Term Care
- Disability
- SR 22 Filings
- Antiques, Guns, Collectibles
- Legal and ID Sheild
- Wedding and Special Event
COMMERCIAL INSURANCE
The BULL
doesn't belong in your business... let alone your business insurance! We will help you get rid of him!
Your business is your livelihood. Be sure you are covered under all circumstances. The commercial insurance products that we offer:
- Property
- General Liability
- Business Auto
- Trucks and Trailers
- Worker's Compensation
- Business Owners Policies
- Special Events
- Inland Marine
- Churches
- Bonds
- Commercial Driver's License Legal Shield
FARM INSURANCE
Don't leave your farm in the hands of chance. Bulls belong on the farm... but not in your farm insurance policies. Make sure to plan ahead with a comprehensive farm insurance policy with no bull! B & S Insurance specializes in farm coverage.
FARM OWNERS INSURANCE
Farming is a high-risk business, but B & S Insurance has you covered with farm owners insurance, a combination of homeowners, commercial property, and commercial liability coverage.
MULTI-PERIL CROP INSURANCE
Multi-Peril Crop Insurance (MPCI) allows you to insure a certain percentage of historical crop production, protecting you against crop yield losses.
HAIL INSURANCE
B & S Insurance has farm insurance policies to ensure that weather events such as hail don't threaten your livelihood.
EMPLOYEE BENEFITS
B & S Insurance knows that as a business owner, you want to take care or your existing employees and recruit the best talent. We offer employee benefits, including:
- Group health
- Dental
- AFLAC supplement
- Disability plans
B & S works with many fantastic companies, as seen below, and this is to ensure that our customers get the best possible rate with multiple different opportunities. Here we will highlight one product from one of the companies that we feel deserves a bigger audience. This product is subject to change from time to time, so make sure you always check back to see what's new!
This Product comes from Royalty Capital and it is called their Legacy Builder Plan.
The Legacy Builder is an amazing product if you have kids or grandkids. It works as an individual life policy for your kids or grandchildren while also providing benefits through an annuity rider. The annuity has a lifetime guaranteed minimum interest of 3% and is currently up to 4.75%. This is something that can be passed down for multiple generations and lets you, as the owner, to be in control of the funds, until you wish to turn them over.
COMPANIES REPRESENTED
B & S Insurance is an independent insurance agency. We work with a number of companies to make sure that we find the right prod uct for you.
- AFLAC
- Auto-Owners
- American Reliable
- Agri-Sompo Crop Insurance
- Barton Group, The
- Billings Mutual
- State Auto
- Western Illinois Mutual
- CFM Insurance
- CHUBB Insurance
- Cigna
- Classic Collectors
- CNA Surety
- Collectibles Insurance Services
- Everest Reinsurance Company
- Farmers Mutual of Macon County
- First Comp
- Golden Rule
- Grinnell Mutual
- Haulers Insurance
- Hippo
- Hudson Crop Insurance
- Liberty Mutual
- Medico
- Missouri Employers Mutual
- Mutual of Omaha
- Philadelphia American
- Progressive
- RLI
- Royalty Capital
- Safeco
- Aetna Silverscript
- United Healthcare
- WellCare
- West Bend Mutual
- Western Catholic Union
- Western Surety
