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Every business needs business insurance.  But business insurance policies are all different. That is why it is always better to use an independent agent who knows and understand your business and industry. The insurance needs for a restaurant are much different than the insurance needs of a manufacturer, and the coverage should reflect that.

If you own or operate a business, you may want to consider these coverages as part of your business insurance package. Our keys to coverage will assume some of the obvious coverage such as property and liability.  We also want to identify some business insurance coverage you may not have considered.

·         Sprinkler leakage insurance--If your sprinkler system leaks and causes a loss to equipment or documents, do you have coverage?

·         Business income insurance--After a covered loss, you may have a period of recovery time when you are closed. Without business income insurance your business may run out of funds.

·         Umbrella Insurance--An umbrella policy provides extra insurance protection over your commercial general and auto liability policies. It is not uncommon for a business to be sued for over $1,000,000.

·         Cyber liability--Cyber breaches are the fastest growing causes for loss for most businesses. Every business needs the protection provided by cyber insurance.

·         Employee dishonesty--This policy protects employers from workplace theft and fraud.

We maintain relationships with underwriters who are specialists in the commercial property insurance arena, and we consistently monitor the marketplace for new and innovative underwriters. We will evaluate your specific business needs and make personalized recommendations for your business.

Alternatives Insurance® Agency was established in St Louis County in the fall of 1992.  Throughout the remainder of 1990's and through the millennium, additional locations were opened in order to service North and West St Louis, Saint Charles and Jefferson Counties.  The demand for our products continued to increase motivating the partners of the organization to develop a business model in an effort to continue the growth and success without losing our superior customer service values.       

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