Our Mission
To identify the needs of our existing and prospective customers so as to profitably and efficiently provide them with thorough, quality coverage from stable competitively priced companies and protect the financial stability and assets of our customers with this coverage.
As a Trusted Choice® agency, we are dedicated to you and are committed to treating you as a person, not a policy. Our Commitment to You
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Business Insurance : Missouri
One of Mills and Sons core services is business insurance. Our team understands that every business is different and has unique insurance needs. For this reason, we have developed a complete business program to serve our business clientelle.
Program Development
- Establish relationship with business owners
- Analyze management objectives for future needs
- Assist in developing a comprehensive insurance program
Program Design
- Analyze exposure and recommend coverage and enhancements to meet objectives
- Present alternative coverages and concepts for consideration
- Compare program competitiveness with other industry markets
Routine Services
- Newsletters and other communication on topics of interest to business owners
- Annual review of property values, limits of liability, deductibles, coverage enhancements and new exposures
- Review of sales and payroll for auditing information
- Quarterly review of claims
- Annual review of Workers Compensation Experience Modifications
Marketing
- Pre-renewal strategy meeting
- Summarize and compare benefits of all proposals
- Present comparisons of qualified insurance plans
Loss Prevention
- Provide literature and videos to employees for loss prevention
- Loss prevention inspections to identify hazards
- Assist management with developing loss prevention strategy
Financial Services
- Maintain program on a cost effective basis
- Negotiate renewals and review funding alternatives
- Presents Funding Options

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