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Alternatives Insurance® - St Louis

887 Bolger  Court 
St Louis, MO 63026
Location Map - Driving Directions
Phone Number
Fax Number
(314) 881-1488
(314) 881-1487

                                         Keith Degenhardt

                                         Personal Lines Producer

Michele Ziegler
Customer Service Manager            
                                         Ray Bruton
                                         Commercial Lines Producer
Marty Hittler
Commercial Lines Marketing Manager

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About Us:

Alternatives Insurance® of St. Louis was established in September of 2008 with a focused mission to establish and lead the development of the AI Group’s Commercial Lines Division.  Ray Bruton is the owner of Alternatives Ins of St. Louis  and is also one of three principals directing the growth and development of the AI Group membership organization.  His experience as a commercial lines broker and the relationships he has established with over 35 years of business experience has the AI Group’s presence in the Commercial Lines marketplace growing daily. Engaged both as a sales executive and a support role for all AI Group offices, Ray lends his support and knowledge to the entire AI Group organization. With Business Owners Policy premiums beginning at less than $1,000 for small businesses and Package Policy premiums reaching the mid six figures for our large clients, we are positioned to handle a client's needs regardless of the size of the business.

Alternatives Insurance® of St. Louis has an experienced support staff with associates offering a wide range of business and insurance backgrounds.  Through the combined efforts of Alternatives Ins of St. Louis staff, sales, and management team, your needs will be met and the protection you require provided.

Our current clients require a wide range of business insurance programs to service a wide range of exposures and it is the experience we have gained through serving these needs that we offer your business.....

We can meet the needs of rigging contractors needing liability limits in excess of $15,000,000 with revenues in the millions, or the needs of the one man contractor operation providing plumbing, electrical, heating and air conditioning,
HVAC, dry wall, carpentry, concrete, excavation, lawn care, landscaping, sewer, grading, street, window, door, floor, carpet, kitchen, bathroom, painting, rehab work, home maintenance or remodel projects.  Meeting the personal needs of our business owner clients with homeowners, auto, boat, RV, motorcycle, jewelry, gun and collectible coverage policies founded our agency and we have many insurance companies that meet these needs. 

If you need a bond - license, city, municipal - or a builders risk policy - or an installation floater - we can handle your needs. 

We can meet St. Louis Housing Authority (SLHA) strict insurance requirements or that of a home owner client looking for an insurance coverage certificate for a small project.

Comprehensive coverage for a trucking fleet operation with millions in values or small operations will be provided with terms including auto liability, physical damage, cargo, inland marine, on hook and any necessary DOT, FMCSA and ICC filings. 

We understand the coverage needed by auto repair shops for garage liability and coverage for customers autos and for employee tools and for transport companies hauling autos.

Property coverage for newly constructed facilities or those built in the 1800s are common needs that we can handle along with earthquake for those hard to place properties.

Workers compensation coverage is a must for today's business environment and we can place every risk.
Group Health insurance is a benefit that many business owners must offer and we can place this coverage with the best insurance companies serving the St. Louis Metropolitan area.

Whether you are a new business start up or a third generation business - we can meet your needs.