Our Comprehensive Insurance Services
At Prather Insurance Associates, we offer comprehensive insurance services designed to meet the diverse needs of individuals, families, and businesses in North Central Missouri.
Our experienced agents are committed to providing personalized service and expert guidance to help you navigate the complex world of insurance. Below, you’ll find a comprehensive list of the insurance services we offer.
Personal Insurance Services
Life Insurance
Whole Life Insurance
Provides lifelong coverage and builds cash value over time.
Term Life Insurance
Offers affordable coverage for a specified term, ideal for temporary needs.
Auto Insurance
Liability Coverage
Protects you against damages or injuries you may cause to others while driving.
Collision & Comprehensive Coverage
Covers damages to your vehicle from accidents or other perils.
Home Insurance
Dwelling Coverage
Protects your home’s structure against covered perils like fire, wind, and hail.
Personal Property Coverage
Covers your home’s belongings such as furniture and electronics.
Renters Insurance
Personal Property Coverage
Protects your belongings from theft, damage, or loss.
Liability Coverage
Provides protection if someone is injured while in your rented home.
International Travel
Travel Medical Health Coverage
Access a full suite of travel and international healthcare plans
Short and Long Term Travel
Missionary trips, work assignments, and long-term options with GeoBlue
Medicare Advising
Navigation Made Easy
Make informed decisions about plan selection and enrollment
Expert Advise
Understand your options and identify cost-saving opportunities
Business Insurance Services
General Liability Insurance
Bodily Injury & Property Damage Coverage
Protects your business against claims of injury or property damage.
Personal & Advertising Injury Coverage
Covers claims of libel, slander, or copyright infringement.
Workers Compensation
Medical Expense Coverage
Pays for employees’ medical treatment for work-related injuries or illnesses.
Disability Income Coverage
Provides partial wage replacement for employees unable to work due to a covered injury or illness.
Errors and Omissions (E&O) Insurance
Professional Liability Coverage
Protects against claims of negligence, misrepresentation, or inadequate work.
Defense Costs Coverage
Pays for legal expenses incurred in defending against covered claims.
Directors and Officers (D&O) Insurance
Management Liability Coverage
Protects against claims of wrongful acts, such as breach of fiduciary duty.
Corporate Reimbursement Coverage
Reimburses your company for legal expenses incurred in defending directors and officers.
Commercial Auto Insurance
Liability Coverage
Protects your business against damages or injuries caused by company vehicles.
Physical Damage Coverage
Covers repairs or replacement of your company vehicles due to accidents or other perils.
Cyber Security Insurance
Data Breach Coverage
Pays for expenses related to notifying affected individuals and providing credit monitoring services after a data breach.
Cyber Liability Coverage
Protects your business against third-party claims arising from a data breach or cyber attack.
Group Health and Supplemental Insurance
Group Health Insurance
Major Medical Coverage
Provides comprehensive health benefits for your employees.
Prescription Drug Coverage
Covers the cost of prescription medications for your employees.
Dental Insurance
Preventive Care Coverage
Pays for routine dental exams, cleanings, and X-rays.
Basic and Major Services Coverage
Covers fillings, extractions, crowns, and other dental procedures.
Vision Insurance
Eye Exam Coverage
Pays for annual eye exams for your employees.
Eyewear Coverage
Provides allowances for prescription glasses or contact lenses.
Supplemental Insurance
Accident Insurance
Pays cash benefits for covered accidental injuries.
Critical Illness Insurance
Provides a lump-sum benefit on a covered critical illness, such as cancer or heart attack.
Comprehensive Insurance Services Tailored To Your Needs
At Prather Insurance Associates, we understand that every individual and business has unique insurance needs. Our knowledgeable agents will work closely with you to identify your specific risks and develop a comprehensive insurance services tailored to your situation.
Contact us today to learn more about our personal insurance services, business insurance solutions, and comprehensive insurance services. We’re here to help you protect what matters most.