Frequently Asked Questions About Our Insurance Services

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At Prather Insurance Associates, we understand that navigating the world of insurance can be overwhelming. To help you better understand our comprehensive insurance services and policies, we’ve compiled a list of the most common insurance questions we receive from our clients in North Central Missouri.

What types of insurance services do you offer?

We offer a wide range of insurance services to meet the needs of individuals, families, and businesses in North Central Missouri. Our offerings include:
– Personal Insurance (Auto, Home, Life)
– Commercial Insurance (General Liability, Workers’ Compensation)
– Individual Health and Supplemental Insurance
– Group Health Insurance
– Dental and Vision Plans
– Medicare Planning
-Domestic and International Travel health insurance

Where do you geographically offer your services and coverage?

We serve North Central Missouri. This includes North Kansas City, surrounding local cities and municipalities, and all of North Central Missouri. Click here for a full area of coverage.

What makes Prather Insurance Associates different from other insurance agencies?

At Prather Insurance Associates, we pride ourselves on providing personalized, attentive service to every client. We take the time to listen to your unique needs and craft comprehensive insurance solutions tailored to your specific situation. Our experienced team is committed to building lasting relationships and being there for you when you need us most.

How can I get a quote for insurance coverage?

Getting a quote is easy! Simply visit our website and fill out the online quote request form, or give us a call at 816-702-8996. One of our friendly and knowledgeable agents will be happy to assist you in finding the right coverage for your needs.

What factors impact my insurance premiums?

Several factors can influence your insurance premiums, including your age, driving record, claims history, type of vehicle or property, coverage limits, and deductibles. Our agents will work with you to find the most competitive rates while ensuring you have the appropriate level of coverage.

How often should I review my insurance policies?

We recommend reviewing your insurance policies annually or whenever you experience a significant life event, such as getting married, having a child, buying a new home or vehicle, or starting a business. Our team is always available to help you assess your current coverage and make any necessary adjustments.

What should I do if I need to file a claim?

If you need to file a claim, contact our office as soon as possible. We’ll guide you through the claims process and work with the insurance carrier on your behalf to ensure a smooth and efficient resolution.

Do you offer any discounts on insurance policies?

Yes! We work with top-rated insurance carriers that offer a variety of discounts for things like bundling multiple policies, having a safe driving record, installing security devices in your home or business, and more. Ask your agent about available discounts when requesting a quote.

What is General Liability insurance, and who needs it?

General Liability insurance protects businesses against claims of bodily injury, property damage, and personal injury (such as libel or slander) that may arise from their operations. Most businesses, regardless of size or industry, can benefit from this coverage to mitigate potential financial losses.

What does Errors & Omissions (E&O) insurance cover?

E&O insurance, also known as Professional Liability insurance, protects businesses and professionals against claims of negligence, misrepresentation, or inadequate work. This coverage is particularly important for service-based businesses, such as consultants, accountants, and IT professionals.

Why is Directors and Officers (D&O) insurance important?

D&O insurance protects the personal assets of a company’s directors and officers in the event they are sued for alleged wrongful acts in managing the company. This coverage can help attract and retain top talent for your board and executive positions.

Is Workers Compensation Insurance mandatory?

In most states, including Missouri, businesses with employees are required to carry Workers Compensation insurance. This coverage provides benefits to employees who suffer work-related injuries or illnesses, and it can help protect your business from related lawsuits.

Still Have Questions?

Don’t hesitate to reach out! Our experienced agents are always ready to provide the answers and guidance you need to make informed decisions about your insurance coverage. Contact Prather Insurance Associates today to learn more about how we can help protect what matters most to you.

Contact Us

Contact Prather Insurance Associates today to learn more about how we can help protect what matters most to you.