Wiemann & Pues Insurance Agency

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Wiemann & Pues Insurance Agency Washington Missouri’s oldest, most trusted, insurance brokerage.

We specialize in commercial insurance, personal insurance, specialty insurance, and life insurance.

COMMERCIAL INSURANCE FACTDID YOU KNOW? πŸ€”Your personal auto or homeowners policy generally isn't designed to cover every ...
10/16/2026

COMMERCIAL INSURANCE FACT

DID YOU KNOW? πŸ€”

Your personal auto or homeowners policy generally isn't designed to cover every risk that comes with running a business!

Even if you work from home or use your personal vehicle for business, you may need additional coverage to protect what you're building. πŸ›‘οΈ

Depending on your business, you may need:

🚚 Commercial Auto β€” For vehicles used in business operations.

🏒 Commercial Property β€” To help protect buildings, equipment, inventory, and other business property against covered losses.

βš–οΈ General Liability β€” To help protect against certain claims involving bodily injury or property damage to others.

πŸ‘· Workers' Compensation β€” To provide benefits for qualifying work-related employee injuries or illnesses, as required by applicable law.

πŸ’° Business Income Coverage β€” May help replace lost income and cover certain continuing expenses after a covered loss.

πŸ’Ό BUSINESS OWNER REMINDER!

Every business is different. A contractor, retail store, home-based business, and professional office don't all face the same risks.

Your insurance should fit the way your business actually operates.

πŸ€” QUESTION OF THE DAY:

If something unexpected happened to your business tomorrow, would you know whether your current insurance would help?

πŸ‘‡ Business owners, let us know in the comments!

πŸ’š At Wiemann & Pues Insurance, we're happy to help you review your options and identify potential coverage gaps.

πŸ“ž Wiemann & Pues Insurance
Agency of Service
200 Jefferson St. β€’ Washington, MO 63090
636-239-4741

LIFE INSURANCE FACTDID YOU KNOW?Life insurance is about more than leaving money behind. It's about helping protect the p...
10/14/2026

LIFE INSURANCE FACT

DID YOU KNOW?

Life insurance is about more than leaving money behind. It's about helping protect the people who depend on you. ❀️

If you were no longer here, life insurance could help your loved ones manage expenses such as:

🏑 Mortgage or Rent β€” Helping keep a roof over their heads.

🧾 Everyday Bills β€” Groceries, utilities, and other household expenses.

πŸ’³ Outstanding Debts β€” Helping manage loans and other financial obligations.

πŸŽ“ Future Goals β€” Providing support for education and other important milestones.

πŸ’° Lost Income β€” Helping replace the income your family relies on.

Coverage and benefits depend on the policy, but having a plan in place can make a meaningful difference for those you love.

πŸ€” THINK ABOUT IT…

Who depends on your income today?

Your spouse? Your children? Your parents? Maybe someone else who counts on you financially.

πŸ‘‡ Take a moment to think about it. If someone depends on you, it's worth considering how they would manage financially without your income.

πŸ’š We're here to help you explore your options and find coverage that fits your needs and budget.

πŸ“ž Wiemann & Pues Insurance
Agency of Service
200 Jefferson St. β€’ Washington, MO 63090
636-239-4741

πŸ‘πŸ’‘ HOME INSURANCE FACTDID YOU KNOW? πŸ€”The amount you could sell your home for may be VERY different from what it would co...
10/13/2026

πŸ‘πŸ’‘ HOME INSURANCE FACT

DID YOU KNOW? πŸ€”

The amount you could sell your home for may be VERY different from what it would cost to rebuild it!

🏠 Market Value is what your home might sell for in today's real estate market.

πŸ› οΈ Replacement Cost is the estimated cost to rebuild your home using current construction costs and materials.

Why does this matter? Your home's market value includes factors like land value and location, while rebuilding costs depend on things like labor, materials, and the features of your home.

🚨 HOMEOWNER REMINDER!

Construction costs can change over time, and your dwelling coverage should keep up!

πŸ’‘ Consider reviewing your coverage, especially if you've renovated, added on to your home, or haven't reviewed your policy in a while.

πŸ€” QUESTION OF THE DAY:

Did you know your home's rebuilding cost could be different from its selling price? 🏑

πŸ‘‡ Comment YES or I DIDN'T KNOW THAT!

We're happy to help you review your coverage and understand what your homeowners policy is designed to protect. πŸ’š

πŸ“ž Wiemann & Pues Insurance
Agency of Service
200 Jefferson St. β€’ Washington, MO 63090
636-239-4741

DID YOU KNOW? πŸ€”Not all auto insurance coverage does the same thing!πŸ›‘οΈ Liability Coverage generally helps pay for injurie...
10/09/2026

DID YOU KNOW? πŸ€”

Not all auto insurance coverage does the same thing!

πŸ›‘οΈ Liability Coverage generally helps pay for injuries or property damage you cause to others in an at-fault accident.

🚘 But what about YOUR vehicle?

Liability coverage doesn't automatically pay to repair or replace your own vehicle. For that, you may need other coverage, such as collision or comprehensive, depending on what happened and your policy.

🚦 QUICK QUESTION!

Do you know what your auto insurance policy actually covers?

πŸ‘‡ Drop a YES or NOT SURE in the comments!

No judgment! Insurance can be confusing, and that's why we're here. πŸ’š We can help you understand your coverage and explore options that fit your needs.

πŸ“ž Wiemann & Pues Insurance
Agency of Service
200 Jefferson St. β€’ Washington, MO 63090
636-239-4741

πŸ“‹πŸ’Ό DAY 19 – COMMERCIAL INSURANCEREAD YOUR BUSINESS CONTRACTS! πŸ‘€A customer or vendor asks you to carry a specific amount ...
09/22/2026

πŸ“‹πŸ’Ό DAY 19 – COMMERCIAL INSURANCE
READ YOUR BUSINESS CONTRACTS! πŸ‘€

A customer or vendor asks you to carry a specific amount of insurance.

You sign the contract… βœ”οΈ
You send it back… βœ”οΈ
And assume your current policy meets the requirements.

WAIT! πŸ›‘

Insurance requirements in business contracts can include more than just a dollar amount.

They may specify things like:

πŸ’° Required liability limits
πŸ“‹ Additional insured requirements
πŸ›‘οΈ Specific types of coverage
🚚 Commercial auto requirements
πŸ“„ Certificates of insurance
βš–οΈ Other contractual insurance provisions

πŸ’‘ BUSINESS OWNER TIP:

Don't just sign it and hope your policy meets the requirements.

πŸ“© Send the contract to your insurance agent BEFORE you sign whenever possible.

We can help you understand what insurance requirements you're being asked to meet and identify questions you may need to address with your insurance company or legal professional.

🚨 REMEMBER:

A contract can require coverage your current policy doesn't provide.

A quick conversation with your insurance agent could help you avoid an unpleasant surprise later.

πŸ“ž Wiemann & Pues Insurance
Agency of Service
200 Jefferson St. β€’ Washington, MO 63090
636-239-4741

πŸ’š DAY 18 – LIFE INSURANCE MYTH MONDAY❌ MYTH: β€œI’m Young, So I Don’t Need Life Insurance.β€πŸš¨ FACT: Being young and healthy...
09/21/2026

πŸ’š DAY 18 – LIFE INSURANCE MYTH MONDAY
❌ MYTH: β€œI’m Young, So I Don’t Need Life Insurance.”

🚨 FACT: Being young and healthy can actually make it a good time to explore your options.

We get itβ€”you’re young, you're busy, and life insurance probably isn't at the top of your to-do list. πŸ˜…

But here's something worth knowing:

πŸ“ˆ Life insurance generally becomes more expensive as you get older.

❀️ Changes in your health can also affect eligibility and pricing.

πŸ’° Getting coverage earlier may give you the opportunity to lock in coverage while you're younger and healthier, depending on the policy and underwriting.

πŸ€” THINK ABOUT IT…

Maybe you don't have kids yet.
Maybe you don't own a home yet.
Maybe you don't have a lot of debt.

But that doesn't mean you won't have those responsibilities someday.

And life doesn't always give us a heads-up before things change.

πŸ’‘ THE TAKEAWAY:

Don't wait until you think you need life insurance to start thinking about it.

A conversation today doesn't mean you have to buy a policyβ€”it simply gives you the opportunity to understand your options. πŸ’š

πŸ“ž Wiemann & Pues Insurance
Agency of Service
200 Jefferson St. β€’ Washington, MO 63090
636-239-4741

πŸ˜‚πŸ’š DAY 17 – FUNDAY SUNDAYBUSINESS OWNER ROLL CALL! πŸ“£Let's be honest… running a business means wearing A LOT of hats! πŸŽ©πŸ˜‚S...
09/20/2026

πŸ˜‚πŸ’š DAY 17 – FUNDAY SUNDAY
BUSINESS OWNER ROLL CALL! πŸ“£

Let's be honest… running a business means wearing A LOT of hats! πŸŽ©πŸ˜‚

So which type of business owner are you?

πŸ‘‡ WHICH ONE ARE YOU?

πŸ…°οΈ β€œI'll do it myself.” πŸ’ͺ

πŸ…±οΈ β€œI'll figure it out later.” πŸ˜…

πŸ…² β€œI have a spreadsheet for EVERYTHING.” πŸ“ŠπŸ˜‚

πŸ…³ β€œMy insurance agent probably has a solution.” πŸ˜ŽπŸ›‘οΈ

πŸ˜‚ BE HONEST…

Somewhere between A, B, C, and D is probably all of us!

Running a business means solving problems every day. You don't have to figure out every insurance question on your own.

That's what we're here for! πŸ’š

πŸ‘‡ DROP YOUR LETTER BELOW!

And if you're E️⃣ – β€œI don't even know what the question is yet!” …we've got you covered there, too! πŸ˜‚

πŸ“ž Wiemann & Pues Insurance
Agency of Service
200 Jefferson St. β€’ Washington, MO 63090
636-239-4741

πŸ“ŠπŸ’š DAY 16 – POLL SATURDAYBUSINESS OWNERS β€” BE HONEST! πŸ˜…Running a business keeps you busy. Between customers, employees, ...
09/19/2026

πŸ“ŠπŸ’š DAY 16 – POLL SATURDAY
BUSINESS OWNERS β€” BE HONEST! πŸ˜…

Running a business keeps you busy. Between customers, employees, paperwork, payroll, and everything else…

When was the last time you actually reviewed your commercial insurance? πŸ€”

πŸ“‹ QUICK POLL!

🟒 Within the last year

🟑 1–2 years ago

🟠 More than 2 years ago

πŸ”΄ I honestly have no idea! πŸ˜‚

πŸ‘‡ VOTE BELOW!

πŸ’‘ WHY DOES IT MATTER?

Your business can change a lot over time.

🏒 New location
🚚 New vehicles
πŸ› οΈ New equipment
πŸ‘· More employees
πŸ“¦ More inventory
πŸ’° Changes in revenue
πŸ“‹ New contracts or services

Your insurance should keep up with those changes.

No judgmentβ€”we've got you covered! πŸ’š

πŸ“ž Wiemann & Pues Insurance
Agency of Service
200 Jefferson St. β€’ Washington, MO 63090
636-239-4741

🚨 YOUR BUSINESS IS A TARGET TOORunning a business comes with risksβ€”some you can see coming, and some you can't.Small bus...
09/18/2026

🚨 YOUR BUSINESS IS A TARGET TOO

Running a business comes with risksβ€”some you can see coming, and some you can't.

Small businesses can face risks from:

πŸ”§ Equipment breakdown
πŸ”₯ Fire
🌧️ Storm damage
πŸ’§ Water damage
πŸš— Auto accidents
βš–οΈ Lawsuits
πŸ‘· Employee injuries

You can't predict every problem.

But you can prepare for them.

The right commercial insurance can help protect the business you've worked so hard to build. πŸ’πŸ’š

Wiemann & Pues Insurance
Agency of Service
πŸ“ Washington, MO
πŸ“ž 636-239-4741

πŸͺπŸ’š DAY 14 – COMMERCIAL INSURANCENEW BUSINESS? DON'T FORGET INSURANCE!Starting a business is exciting! πŸŽ‰You've got the id...
09/17/2026

πŸͺπŸ’š DAY 14 – COMMERCIAL INSURANCE
NEW BUSINESS? DON'T FORGET INSURANCE!

Starting a business is exciting! πŸŽ‰

You've got the idea.
You've got the vision.
You've put in the time, money, and hard work.

Now it's time to think about protecting everything you're working so hard to build. πŸ›‘οΈ

Before you open those doors, ask yourself:

🏒 PROPERTY – What protects your building, space, or business property?

βš–οΈ LIABILITY – What happens if your business is responsible for someone else's injury or property damage?

πŸ‘· EMPLOYEES – Do you have employees and the appropriate coverage for them?

🚚 VEHICLES – Are vehicles being used for business purposes?

πŸ› οΈ EQUIPMENT – What would it cost to replace your essential tools and equipment?

πŸ“‹ CONTRACTS – Do your leases or contracts require specific insurance?

πŸ’° BUSINESS INCOME – What happens to your income if a covered loss temporarily shuts you down?

πŸ’‘ NEW BUSINESS TIP:

Don't wait until something happens to find out what your insurance doesβ€”or doesn'tβ€”cover.

Every business is different, and your insurance should be designed around the way your business actually operates.

πŸš€ YOU BUILT THE BUSINESS. NOW HELP PROTECT IT.

If you're starting a new business, we'd love to help you think through the insurance side of things.

πŸ“ž Wiemann & Pues Insurance
Agency of Service
200 Jefferson St. β€’ Washington, MO 63090
636-239-4741

Address

200 Jefferson Street
Washington, MO
63090

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm
Saturday 9am - 12pm

Telephone

+16362394741

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