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Address: 6825 Clayton Avenue St. Louis, MO 63139
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Phone: (314) 725-1414
POWERS® Insurance & Risk Management has been recognized as the 2026 Agency of the Year by PropertyCasualty360 on Wednesday, June 24. The awards program spotlights top professionals and organizations from across the country that are helping modernize and humanize the insurance industry. This award reflects POWERS® Insurance’s core values of innovation, humility, connection, integrity, and […]
As the cannabis industry evolves with a changing legal and social scape, the insurance coverage needs for cannabis businesses change along with it. Directors and Officers Insurance is integral to covering cannabis businesses. Cannabis business owners need Directors and Officers Insurance to protect their company’s board members and executives. Overview: Directors and Officers Insurance Directors […]
When an accident happens, in your personal life or with your business, many people look to insurance to cover the costs. Before you pick up a phone and call your carrier, it’s important to understand how filing a claim can affect your premium and the policy itself. What Happens When You File a Claim Filing […]
Why Fortune 500s and safety-focused businesses use captive insurance for smarter, more predictable coverage. As a business owner, you’ve likely faced the same frustrating cycle year after year. Your insurance renewal arrives, premiums have increased again, and you’re left with little choice but to pay. You’ve spent countless hours on safety training, risk management, and […]
Smart technology is revolutionizing construction safety and lowering insurance costs, but it’s not always easy to see how. Imagine a construction site where accidents are virtually non-existent, where workers are constantly aware of their surroundings, and potential hazards are identified and addressed in real-time. Ensuring safety on construction sites is of incredible importance as it […]
Insuring company vehicles is a vital part of a comprehensive insurance policy for any business. But what happens when a company doesn’t own its cars and has its employees use personal or rented vehicles? In this common scenario, a Hired and Non-Owned Auto endorsement, also known as an HNOA can be an important addition to […]
Businesses that sell liquor are regulated under Dram Shop laws and protected with Liquor Liability Insurance. Liquor Liability Insurance is fairly self-explanatory and can help businesses with some of the costs they face when someone sues them under Dram Shop law. But what in the heck is a Dram Shop? The word “dram” originally meant […]
Like many industries, COVID-19 will change how insurance policies are written. Communicable disease/viruses like the COVID-19 are typically excluded in most insurance policies, so we believe the SBA PPP loan forgiveness program is currently the best path forward to recovery for many small businesses. Unfortunately, the PPP loan is not adequately structured for educational […]
Our society is becoming increasingly litigious. The threat of a lawsuit hangs over every business transaction, large or small. Even employers who rigorously adhere to the letter of the law are likely to be sued at some point by an aggrieved employee or customer. While many suits are groundless, defending against them is costly and […]
Jewelry Insurance should be a standalone policy, separate from your homeowners insurance. Having a separate policy, ensures that your homeowners insurance will not increase if you file a claim. More importantly, Jewelry insurance has superior coverage over a standard homeowners policy. Jewelry insurance will cover the entire replacement value of your jewelry, whereas homeowners policies […]