Business Insurance
Comprehensive Protection for Business Owners
Our Business Owners Policy combines key coverages into one simple plan that protects your property, equipment, and liability exposures.
This plan is ideal for small to midsize businesses such as contractors, retail shops, salons, professional offices, and local service providers.
Property Insurance
For your building, signage, and business contents.
Business Interruption Coverage
For lost income after a covered loss.
General Liability
For injuries, property damage, or legal claims.
Optional Endorsements
Like data recovery, equipment breakdown, or employee dishonesty.
Keep Your Operations Moving with Commercial Auto
Whether you use one truck or manage a fleet, commercial auto coverage protects your business vehicles, drivers, and the goods you haul.
We insure a wide range of commercial vehicles, including pickups, service vans, dump trucks, trailers, and farm trucks. Coverage extends to vehicles used to haul your own goods or the goods of others within Missouri and surrounding areas.
Liability Coverage for injury or property damage caused while operating business vehicles
Comprehensive and Collision Coverage for damage from accidents, theft, weather, or vandalism
Medical Payments for injuries to you or your passengers
Uninsured and underinsured motorist protection covers you when the at-fault driver isn’t properly insured.
Emergency roadside assistance helps with lockouts, jumps, tows, and other unexpected needs on the road.
Optional Add-Ons such as Auto Loan/Lease (Gap) Coverage, Electronic Equipment Protection, and Transportation Expense
Specialized Protection Tailored to You
The Ghirardi Agency builds insurance plans that match the way your business actually operates. Instead of one-size-fits-all coverage, you get targeted protection shaped around your risks, industry, and day-to-day needs. It’s a personalized approach that keeps your business prepared, supported, and confident moving forward.
Workers Compensation
Provides coverage for medical expenses and lost wages if an employee is injured while working.
Inland Marine and Equipment
Protects tools, mobile machinery, and equipment while they’re being transported or used at job sites.
Commercial Property Insurance
Covers your building, inventory, and valuable assets from fire, theft, vandalism, or weather-related loss.
Business Liability
Protects your business from lawsuits or claims caused by accidents, negligence, or product issues.
Disability & Accidental Death
For farmers and ranchers who rely on heavy machinery, vehicles, and property to operate efficiently, we offer farm and commercial auto solutions designed for agricultural operations.
Ready to get started?
If a service caught your eye, we’re here to help. Reach out anytime and we’ll guide you toward the coverage that fits you best.
Put You & Your Family in Good Hands
Reach out today and we’ll help you find coverage that fits your home, family, or business.