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.

Key-Man Insurance

Life Insurance Coverage

Protects your business against financial losses resulting from the death of a key employee.

Disability Insurance Coverage

Provides funds to help your business continue operations if a key employee becomes disabled.

 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.

Additional Benefits

Employee Wellness Programs

Promote a healthy and productive workforce with flexible options.

Health Savings Accounts (HSA)

Allows employees to save and use pre-tax money for medical expenses.

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.

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