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A relationship that’s focused on your needs.

Your family, your business and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor in Franklin and Warren counties and surrounding areas in Missouri.

What Sets us Apart


Our insurance advisors have years of experience in the insurance industry and serve as your advocate from selecting coverage through filing a claim.


As an independent insurance agency we have great relationships with many well-known, reputable insurance companies, giving you the power of choice.


Our insurance advisors have a strong passion for insurance and protecting what you value most in business and in life. We treat our customers like family.


Fulfilling our commitment to service is about more than writing checks. It’s about making an impact. We do that with the help of the SBInsure family.

We’re an independent insurance agency offering a comprehensive suite of insurance solutions to protect your business and your life from the unexpected. We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future. We don’t try to gain business strictly on price, we are proud to say that we have 95% retention on our customers because we provide excellent service and coverage at competitive prices.

Because we’re independent, our priority is you – not the insurance company. We represent many different insurance companies which offer a wide variety of coverage options and price points. We strive to develop insurance programs to fit our client’s needs, coverage is first priority, then competitiveness.

Our insurance advisors make it their business to know your world inside and out. They are there to help you through all the changes in your life and your business, whether you’re going from renting an apartment to buying a home, adding a partner to your business, getting married, renovating your home, adding a teen driver to your auto policy, or revamping your employee benefits plan.

The SBI Approach

The SBI Approach is relationship-driven and solutions-oriented and is driven by the individual needs and risk management for each customer personal and/or business.  The SBI Approach is a proven, four-step, strategic process:


Identify and understand each customer’s needs and exposures.


Develop and offer strategies to address the needs, exposures and issues identified.


Design and implement customized programs to optimally fit each customer’s individual situation.


Monitor the programs and make proactive changes as needed to optimize each customer’s results.

The SBI (4 step strategic process) Approach is implemented for each customer, personal and business, and each product and service including home, auto, life, commercial insurance and employee benefits program.

The SBI Approach understands that price is important but it knows value is the most critical element to have satisfied customers in both good and bad times. The SBI Approach includes value added services as necessary and appropriate. Some of the value-added services are 24 hour claims reporting, customer portal to access benefits, design certificates or auto id cards on demand, safety, loss control, claims management services and wellness programs. Why? Because, The SBI Approach is more than insurance.. SBInsure is your personal and business solutions partner.

Our Process


Identify Exposures


Develop Strategies


Monitor the Plan


Implement Programs

Our Partnerships

Forging solid relationships among clients, community, and industry affiliates is at the core of SBInsure’s philosophy. We take pride in the great working relationships we developed through our participation in key organizations.

  • Keystone
  • Missouri Association of Independent Agents
  • Trusted Choice
  • Chamber of Commerce for Union, Washington, Pacific, Eureka, Sullivan, St. Clair, Owensville
  • Missouri Dump Truck Association
  • Land Improvement Contractors Assoc.
  • Franklin County Board of Realtor Affiliate.
  • St. Louis Masonry Assoc.
  • Eureka BNI