Saint Joseph Insurance

05/29/2026

Just a reminder that beginning Monday, June 1, we will be operating out of our new office location!

We’re excited for this next chapter and look forward to continuing to serve our clients from our new space.

🏢 New Office Location:
2401 N. Woodbine Road
Saint Joseph, MO 64506

Thank you for your continued support, and we can’t wait to welcome you to the new office!

05/22/2026

05/19/2026

🚨 Severe Storm & Tornado Damage in Saint Joseph and Surrounding Areas 🚨

Our area experienced tornado and storm activity last night, and we are currently receiving a very high volume of calls and claims requests. ⛈️🌪️

If we miss your call, please leave us a voicemail and our team will return your call as soon as possible.

To help speed up the claims process, we also recommend contacting your insurance company directly to file your claim. Most carriers offer 24/7 claims reporting by phone or through their mobile app.

We appreciate your patience and understanding as we work to assist everyone as quickly as possible.

Please continue to stay safe and use caution around:
✔️ Downed power lines
✔️ Fallen trees and debris
✔️ Flooded roadways
✔️ Damaged structures

05/13/2026

Many business owners update their equipment, vehicles, inventory, or technology over the years… but never update their insurance coverage to match.

That can create major coverage gaps when a claim happens.

A quick annual commercial insurance review can help make sure:
✔️ Replacement values are current
✔️ Equipment is properly covered
✔️ Liability limits still make sense
✔️ New services or operations are included
✔️ Your business is protected as it grows

Businesses change fast. Your coverage should too.

04/27/2026

New beginnings!

04/21/2026

Reed Black is trading being in the office for Washington, D.C. this week 🇺🇸

Between the legislative conference and a little time around the city, we’re not sure what he’s more excited about… policy discussions or seeing the monuments in person 👀

While he’s there, he’ll also be fighting for topics and conversations that help make the insurance world better for clients and communities.

Lincoln Memorial? The Capitol? Maybe even a stop for some real D.C. food—we’ll see what makes the highlight reel.

While he’s away for a few days, the rest of our team is here and ready if you need anything.

04/17/2026

Storms are in the forecast today ⛈️ — here are a few quick tips to stay safe and protected:

-Secure or bring in loose outdoor items (furniture, grills, tools)
-Move vehicles away from trees if possible
-Charge phones and backup batteries
-Check sump pumps and drains
-Avoid driving through flooded roads

After the storm:📸 Take photos of any damage right away📞 Report claims as soon as possible to avoid delays. If our agency is out of office, research your company claim phone number and you can call direct.

Storms can come and go quickly, but being prepared makes all the difference.

Stay safe out there today!

04/14/2026

Is your personal vehicle policy really covering your business use? 🚚📋

One of the most common gaps we see is business owners assuming their personal auto policy covers work-related driving.

If you or your employees use a vehicle for anything associated with a commercial purpose, then your personal policy may not fully protect you in a claim.

A commercial auto policy is designed to cover the real risks that come with doing business on the road.

A quick review now can help prevent major insurance gaps

04/10/2026

FAQ Friday: What does “full coverage” really mean? 🚗🏡

One of the biggest insurance myths is that “full coverage” means everything is covered no matter what happens.

In reality, full coverage usually means a combination of:
✔️ Liability
✔️ Collision
✔️ Comprehensive

But it doesn’t automatically mean every situation is covered. Things like rental reimbursement, roadside assistance, gap coverage, or special endorsements may still need to be added separately.

That’s why it’s so important to review your policy and make sure it actually matches your needs—not just the phrase people commonly use.

04/07/2026

What does business interruption insurance actually cover? 🤔

If your business has to temporarily close after a covered loss—like a fire, storm, or major water damage—business interruption coverage helps replace lost income while you recover.

It can help cover things like:
✔️ Lost revenue
✔️ Rent or mortgage payments
✔️ Utility bills
✔️ Temporary relocation costs

The goal is to help keep your business financially stable while repairs are being made so one unexpected event doesn’t become a long-term setback.

Many business owners assume property coverage alone is enough, but lost income can be just as damaging as the physical loss itself.

If you own a business, it’s worth reviewing whether your policy includes this protection.