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For KC-area businesses

Business & Commercial Insurance

Liability, property, workers' comp and the rest of the risk stack — for the same 2–50 person businesses whose health benefits we already run. One broker, both sides of the state line, no jargon invoice attached.

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5.0 on Google · 90 reviews (opens in a new tab)BBB A+ AccreditedIndependent — we work for youEst. 2016
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The risk stack

Four lines cover most small businesses

General liability

The baseline: injuries, property damage, the slip on your floor. Most leases and contracts require it.

Commercial property

Your building, equipment and inventory — owned or leased.

Workers' compensation

Coverage for on-the-job injuries. Requirements differ between Missouri and Kansas — we’ll tell you exactly what applies to your headcount.

Professional liability

For businesses that sell advice or services — covers claims that your work caused a client financial harm.

Hiring, too? Pair this with group health benefits — one broker for both.

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How BBS helps

Built for owners without a risk department

We read your lease and contract requirements, quote the coverage they demand across carriers, issue certificates when clients ask, and re-shop the whole stack at renewal. You get one number to call — the same one your employees use for their benefits.

Talk through your risk
What owners ask us

Business insurance FAQ

What coverage does a small business actually need?
It depends on what you do, but most start with general liability plus commercial property — often bundled as a business owner’s policy (BOP) — and add workers’ comp or professional liability as the law and contracts require. We’ll map it to your operation, not a checklist.
What’s a BOP?
A business owner’s policy: general liability and commercial property bundled together, usually cheaper than buying the two separately. It’s the standard starting point for shops, offices and small operations.
Do I need workers’ comp?
Missouri and Kansas set different thresholds by headcount and industry, and construction has its own rules. Rather than quote the statutes here, we’ll confirm what applies to your specific situation and get you compliant if it’s required.
Do my contracts require insurance?
Often yes — leases, client agreements and job bids frequently demand proof of liability at specific limits. Send us the certificate language and we’ll make sure the policy matches before you sign.
Can you handle our business coverage and our group health together?
Yes — and it’s genuinely easier: one broker, one renewal calendar, one call when something changes. See the group health page for the employee-benefits side.

Run the business. We’ll mind the risk.

Tell us what you do and we’ll come back with the coverage it actually requires — compared across carriers, free.

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