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SBInsure

SBInsure is a local leader in offering personalized risk management to individuals and businesses in

SBInsure is a national leader in brokering the right insurance & risk management services for businesses in the United States. With location in Union, MO SBInsure also offers personal insurance services such as life, home, auto, and health. Visit us on our website at www.sbi.insure for more information.

09/02/2026

If you filed a homeowners claim with one of the five largest carriers in the country in 2025, there was a significant chance the claim closed with no payment.

That's not a scare tactic. A Wall Street Journal analysis of NAIC data found that more than 44% of 2025 homeowners claims closed by the five largest insurers ended with no payment — up from 36% a decade earlier.

But here's what that number actually means.

“Closed with no payment” doesn't necessarily mean the insurer denied a covered claim. The NAIC category can include claims that fell below the deductible and other claims that closed without a payment.

A separate April 2026 analysis from Weiss Ratings found 15 large insurers where at least half of homeowners claims closed with no payment in 2025. Mid-Century Insurance Co. of Texas was at 78%, while Lemonade was at 64%.

So the real question isn't just “Am I covered?”

It's “How often does my carrier close homeowners claims without payment?”

That's something Franklin County homeowners should understand before renewing — not after filing a claim.

As an independent agency representing multiple carriers, SBInsure can compare your current coverage with other options and help you understand what you're actually buying.

When was the last time you actually reviewed your homeowners policy?

08/31/2026

Most first-time renters in Franklin County assume their landlord's insurance has them covered.

It generally doesn't cover your personal belongings.

Your landlord's policy is designed to protect the building and the landlord's property. Your laptop, furniture, clothing and other belongings are your responsibility.

That's where renters insurance comes in.

It can provide three important protections:

1. Personal property coverage for your belongings after a covered loss.

2. Personal liability coverage if you're legally responsible for certain injuries or property damage.

3. Additional living expenses if a covered loss makes your rental uninhabitable and you need somewhere else to stay.

And renters insurance can be surprisingly affordable, although your actual premium depends on factors like coverage limits and deductible.

We work with multiple carriers here in Union, MO to help find the right fit — not simply the cheapest number. And we offer annual reviews so your coverage can keep up as your life changes.

Moving into a Franklin County apartment this fall — did you know your landlord's policy generally doesn't cover your belongings?

08/28/2026

If you own a business in Union or Franklin County, fall open enrollment is closer than it feels.

Here's what most small business owners don't realize: the decisions you make in the next few weeks determine what your employees can actually use starting January 1. Miss the window, and you're locked into last year's plan — last year's rates, last year's gaps.

The consequence ladder is real. Employees who can't afford to use their benefits skip care. Undertreated health problems become productivity problems. Productivity problems become retention problems. And replacing a good employee costs far more than a better benefits package ever would.

As of June 2026, Missouri small business group health Silver-tier coverage averages roughly $520–$620 per employee per month in comparable markets (For Health Insurance, June 2026). That range matters — because where your plan lands inside it depends entirely on which carriers you're comparing.

That's the difference between working with an independent agency and a single-carrier broker. We represent multiple carriers, so we can put group health, disability, and employee assistance plans side by side and show you what each one actually costs and covers — in plain English, not policy language.

We do annual reviews for every client, because what worked last year may not be the best fit today.

Know another Franklin County business owner still running last year's benefits without a review? Tag them below — this one's worth a few minutes of their time.

08/26/2026

School starts next week in Franklin County — and if your household just added a new driver, your auto premium is about to change.

Here's what that actually means in dollars: adding a 16-year-old to a full-coverage policy could push your annual premium from around $2,671 to as much as $5,910, according to CNBC Select (August 2026). That's not a typo.

And the coverage choice matters more now than it ever did. Liability-only on a teen driver in a rural area means if they're in a serious accident on a Franklin County back road, your own vehicle damage isn't covered — only what you owe the other party.

This is exactly where working with an independent agency earns its value. We represent multiple carriers, so we can actually shop your policy across the market — not just reprice it with one company. Good student discounts, telematics programs, and away-at-school discounts can all meaningfully offset the increase. But you have to know to ask.

One of our clients in Union told us she had no idea those discounts existed until her annual review. That conversation saved her family real money.

If you haven't had a policy review since your teen got their license, that's the first call worth making.

What questions do you have about adding a teen driver to your policy?

08/24/2026

Your HOA has insurance, so you're covered — right?

Not exactly. Missouri HOA master policies typically follow what's called a "bare-walls-in" structure. That means the building shell and common areas are covered. But everything inside your unit — interior walls, floors, fixtures, your belongings — is your responsibility entirely (Cover Forge USA, June 2026).

Here's where it gets costly: if a shared-area claim exceeds the HOA's master policy limit, every unit owner gets a loss assessment bill. If you don't carry your own HO-6 condo policy with adequate loss-assessment coverage, that bill comes straight out of your pocket.

Cover Forge USA recommends a $45,000 loss-assessment coverage limit for this exact reason. And if you've renovated your unit recently, your uninsured gap may be even wider than you think — unless you've updated your dwelling coverage to match (Insurance Pro Agencies, June 2026).

The good news: HO-6 condo insurance in Missouri averages just $29–$50 a month. We work with multiple carriers here in Franklin County to find the right fit and review your coverage annually so nothing falls through the cracks.

Have a question about what your HOA master policy actually covers? Drop it below — we're happy to explain in plain English.

08/21/2026

The backroads out of Union hit different in July. Route 50, the river bends off Highway 47 — Franklin County draws riders all summer for a reason.

If you know someone who picked up a bike this year and is still running bare-minimum coverage, send them this.

Here’s what Missouri’s minimums don’t touch: medical payments if you go down and it’s your fault.

Uninsured motorist coverage if the car that hits you has nothing.

Agreed-value protection if your classic bike gets totaled and the payout doesn’t come close to what it’s worth.

Those gaps aren’t hypothetical. They’re the calls we get after the fact.

Do you know a rider who hasn’t thought through any of this yet?

08/19/2026

You’ve got the home covered.
The car is covered. Maybe even the business.

But what happens to your family’s finances if you’re not there tomorrow?

The mortgage doesn’t pause. Childcare doesn’t get cheaper.
And a surviving spouse trying to replace a lost income while grieving is one of the hardest situations we’ve seen families navigate.

Most Franklin County families we talk to say they’ve been meaning to look into life insurance. For years.

That gap — between meaning to and actually doing it — is where real financial risk lives.

If not now, when?

08/17/2026

A lot changes between January and July.

Maybe you finished that basement.
Bought a second vehicle.
Hired your first employee.
Or your kid moved out and took half the furniture with them.

Each of those things quietly affects what your coverage should look like — and most people don’t realize it until something goes wrong.

As an independent agency in Union, we can compare rates across multiple carriers in about 15 minutes.

Not a sales call. Just a quick look to make sure nothing slipped through the cracks.

When’s the last time someone actually sat down and walked through your policy with you?

08/14/2026

A new Missouri law took effect January 1, 2026. If your Franklin County business is an insurance licensee — or works closely with one — the Insurance Data Security Act (HB 974) now sets clear requirements for written cybersecurity programs, vendor oversight, and breach reporting.

That is the legal floor. Being compliant does not pay the bills after a breach.

In May 2026, Missouri’s Department of Commerce and Insurance issued a public warning about the Conduent cybersecurity breach that affected Missouri insurance consumers.

Local. Recent. Real.

Legal compliance covers your obligations. The right business insurance review can help you understand what losses — legal fees, notification costs, downtime, and more — your current policies actually address if a data incident hits.

Does your current coverage actually respond to a data breach, or just assume it does?

We help Franklin County businesses review those gaps.

08/12/2026

Can a landlord require renters insurance before you move in?

Yes — and honestly, that’s the best thing they could do for you.
Most renters assume it’s a power move. A way for landlords to cover themselves.

Flip that. Renters insurance protects your stuff, your liability, and your ability to keep a roof over your head if something goes wrong.

Your landlord’s policy covers the building.
Not your belongings. Not you.

If you’re renting in Union or anywhere in Franklin County, this is worth understanding before you sign a lease.

Does your current lease require it — or do you wish it had?

Address

2 Williams Drive
Union, MO
63084

Opening Hours

Monday	8am - 4:30pm
Tuesday	8am - 4:30pm
Wednesday	8am - 4:30pm
Thursday	8am - 4:30pm
Friday	8am - 4:30pm

Telephone

+16365832313

Website

https://sbi.insure/

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