In November 1992, Alternatives Insurance opened to sell and service non-standard automobile insurance. With unexpected growth during the soft market in the late 1990's and continuing in through the millennium, a major change was necessary in order to continue growing without losing our excellent service that we have been providing for almost a decade. In 2003, "Alternatives Insurance Group" was formed as a way to franchise independent insurance agencies.
Today we operate 15 locations, 13 of which are franchised. We also offer many more products such as preferred automobile, homeowners, watercraft, motorcycle, recreational vehicles, life, health, and including a broad commercial market. We are currently licensed in Missouri and Illinois.
While representing many of the industry leading insurance carriers, we are proud to mention that every single franchise is owned by a family member, a close friend, or a long time employee of Alternatives Insurance. Today, the "Alternatives Insurance Group" consists of the following members: B&R Insurance Agency, Inc; BMR Agency, LLC; C.C.N.T., Inc; Alternatives IV, Inc; BMC Insurance, LLC; DMB Agency, LLC; Sharamitaro Insurance, LLC; Engel Insurance, Inc; Insurance Solutions KB, LLC; Agents Direct, LLC; J Sharamitaro Insurance Agency, LLC; Insurance Transaction Services, LLC; Picha Insurance, LLC; MJM Agency, LLC; MK Riley Insurance, LLC.; and Alternatives Insurance Belleville, LLC. Each franchise is independently owned and operated.
Our Mission
Alternatives Insurance Group will provide every client the best products and service available. We believe by continuing to educate ourselves along with representing the worlds top insurance companies, will enable us to offer our clients the products and service they expect and deserve. We take pride in the quality of our products and services we offer.
Franchising