Lincoln County Mutual Insurance, Inc.

10/13/2026

Purple paint, posted signs, and hunting season. Do you know where your liability begins and ends?

In Missouri, properly applied purple paint markings and No Trespassing signs serve as notice that entry onto private property is prohibited.

While Missouri law provides important protections for landowners when someone enters without permission, those protections aren't absolute. Certain circumstances surrounding an injury can still raise questions about legal responsibility.

Here's where insurance and the law intersect.

Liability coverage and legal responsibility are related, but they're NOT the same thing. Your policy may provide protection in certain situations, but the extent of that protection depends on its terms, conditions, and exclusions.

Because this touches on Missouri premises-liability law, it's important to talk with your agent and understand how your policy applies to your property.

The LCM Insurance Agency team is here to help you understand your coverage before questions become claims.

636-528-8242 | 581 E Cherry St., Troy, MO
Through all the seasons and all the reasons you need us.

10/12/2026

Our office is closed today in recognition of the federal holiday. We'll be back tomorrow for our regular business hours! Current customers, as always, you know how to reach us in an emergency should something arise. Please be safe and enjoy the day!

10/10/2026

TODAY! Make some time between 5:30 and 8:30 and join us at Clonts Field in Troy. We are doing an activity in conjunction with Jake's Blessing Bags. You can make and take a bag to bless someone who may have a need and let them know THEY MATTER in honor of Jake Pietzman. Our goal is to gift 50 bags!

10/10/2026

An internal battle. Just what the doctor ordered.
Teamwork makes the dream work - along with lunch at Taormina's Sicilian Restaurant

Have a wonderful weekend, neighbors, in the summer that just keeps hanging on! We will return on Tuesday with our work faces on!

10/08/2026

Happy 7-Year Work Anniversary, Jeff!

October 8 marks seven years since Jeff Davis joined the LCM Insurance Agency family, bringing with him more than two decades of experience, a wealth of knowledge, and a genuine heart for helping others.

With over 30 years in the insurance industry today, Jeff is someone our team and our customers know they can count on. His dedication, steady guidance, and commitment to the community speak volumes about the kind of person he is. Whether he's helping a customer navigate their coverage or lending a hand to a local cause, Jeff is always willing to go the extra mile.

Congratulations on seven wonderful years with us, Jeff! We're grateful for your experience, your friendship, and the care you bring to everything you do. We're lucky to have you on our team!

10/07/2026

Great information here! If your seasonal checklist uncovers changes we need to know about - reach out and let’s talk it over!

A little seasonal prep can do more than get your property ready for what’s coming next.

As the seasons change, so does your property. Trees grow, roofs age, equipment moves, outbuildings get new uses, projects get finished, and sometimes the details on an insurance policy don’t quite keep pace.

That’s why seasonal property maintenance and an occasional coverage review make such a good pair.

In our latest blog, Prepared Today, Protected Tomorrow, we’re looking at how simple seasonal planning can help you spot changes around your home or farm, reduce preventable risks, and make sure your coverage still reflects the property you’re protecting.

Read the full article here:
https://lcfmins.pulse.ly/w2koo7zxfo

And if your seasonal checklist uncovers a change we should know about, give us a call. We’re always happy to take a look with you.

Small enough to know you, but strong enough to serve you.

10/06/2026

It’s Mad Hatter Day! But why is it on 10/6, you might ask?
We wouldn’t expect that curious little detail to stand out unless you were a Victorian hatter. The 10/6 tucked into the Hatter’s famous hat was actually its price: 10 shillings and sixpence.

Insurance has its own curious language, too. And unless you work in it every day, we don’t expect you to know what every term, number, or bit of fine print means.

That’s why you have us. Ask questions. Get answers. Understand your coverage. After all, insurance doesn’t have to feel like Wonderland.
🎩🐇♥️

10/05/2026

Come by and drop off a bedding bundle!

WANT TO HELP, BUT CAN’T DONATE? WE NEED HANDS, TOO!

Our Beds in a Bag collection is still underway, with just over 30 bedding bundles collected toward our goal of 50. Each bundle will help complete a newly built bed for a local child who needs one.

But donating bedding isn’t the only way to help.

Thanks to funding donated by The Salvation Army, materials for approximately 50 beds have been provided, and Kiwanis is preparing for a BIG community bed build:

Saturday, October 31 | 9:00 a.m.–1:00 p.m.
Lincoln County Fairgrounds

They need approximately 100 volunteers to help turn those materials into beds during the “Trick or Treat, Monster Mash” Bed Build.

No special skills required, just willing hands! Children are welcome to participate with a parent, making this a great opportunity for families to serve together.

Can’t donate a Bed in a Bag? Donate a few hours. Either way, you’re helping put a local child into a bed of their own.

Volunteer signup information is in the comments below. Look under Volunteer Opportunities and scroll to the October 31 event.

And yes, we’re still collecting Beds in a Bag, too. We’re just over 30, and we’re not stopping until we reach 50!

10/04/2026

October is National Pork Month, and we're taking a moment to recognize the producers behind one of Missouri's important agricultural industries.

A lot has changed in pork production over the past decade. In 2015, Missouri was home to approximately 3.05 million hogs and pigs. By the end of 2025, that number had grown to approximately 3.3 million.

Producers are also raising more pigs per litter than they were a decade ago, reflecting years of advancements in animal care, genetics, nutrition, technology, and farm management.

But some things haven't changed.
Livestock still needs care every day. Feeding, monitoring animal health, maintaining facilities, managing changing weather conditions, and keeping an operation running don't stop because it's a weekend or holiday.

This National Pork Month, we recognize the Missouri pork producers who put in that work day after day and continue an agricultural tradition that remains an important part of our rural communities.

Thank you to the farmers, families, and agricultural professionals who help keep Missouri pork production strong!