Giovanni "Johnny" Favazza


Risk Management Advisor with expertise in:

  • Hospitality

How Can I Help You Today?

Services I Can Help You With

Restaurant Coverage

General Liability Coverage

Cannabis Coverage

In all legalized States

Contractors Coverage

Professional Liability Coverage


Product Liability Coverage

Personal Coverage

Home & Auto Liability

“Character is doing the right thing when nobody’s looking.”

- J.C. Watts


"Gio has been a pleasure to work with! He makes a point to always be professional and knowledgeable. He and his team are quick to be proactive and responsive to each and every question and situation that we need to be handled." 

- Theresa H.

"Gio and his entire team were great to work with in helping us set up home and auto insurance. Super responsive and helped outline pros/cons for options in a way that was easy to understand. Highly recommended to simplify a typically stressful process of signing up for insurance"

- Jason C.

Why Workplace Safety is Important: Every Business Needs a Program

By JD Powers | September 20, 2023

In this guide, we’ll cover the following points and in the coming weeks, POWERS will continue to post additional deep dives into each of the below topics. You can find all POWERS Research and Industry insights here. This post is part of our series, The Ultimate Workplace Safety Guide. Check out our related posts: ———– […]

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The Ultimate Workplace Safety Guide for Business Owners

By JD Powers | September 13, 2023

Most businesses in high-risk industries like construction or manufacturing have safety procedures and policies. But what makes a “safety program”? Do you need one? And how does putting safety first impact your business? In this guide, we’ll cover the following points and in the coming weeks, POWERS will continue to post additional deep dives into […]

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How does legalized marijuana affect workers compensation?

By Christopher Sullivan | February 17, 2023

Does Missouri’s Workers Compensation statutes require post-accident drug testing, and is that affected by the recent passing of Amendment 3? As the employer, you are always liable for the safety and well-being of your employees in their work environments, and this includes promoting and maintaining a drug-free workplace. But with the passing of Amendment 3 […]

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How the New Recreational Cannabis Bill in Missouri Impacts Insurance for Business Owners

By Christopher Sullivan | December 9, 2022

On November 8th, 2022, Missouri became the 21st state in the US to legalize recreational cannabis. As Amendment 3 went into effect on December 8th, 2022, cannabis business owners must understand updated rules and regulations that may impact their various insurance policies, how they operate their business, and manage their employment staff. Below, we’ll discuss […]

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Powers Expands Commercial Lines Team

By Tim Davis | August 24, 2022

POWERS Insurance & Risk Management is proud to announce the addition of Rachel Winkelmann to the commercial lines division. Rachel joins the POWERS team after spending 5+ years on the insurance company side as a claims adjuster. As reported in Insurance Journal, Winkelmann started with the agency in early August and will be responsible for […]

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The future of insurance after COVID-19

By JD Powers | August 24, 2022

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 […]

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Property Insurance for a Cannabis Company

By Christopher Sullivan | June 30, 2022

Regarding successful commercial cannabis company — property insurance is an integral piece of the puzzle. However, legal considerations surrounding insurance for cannabis companies are incredibly nuanced and cumbersome due to state and federal regulations. Furthermore, the many types of property insurance within the scope of cannabis operations are extensive. Whether you’re a facility owner or […]

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Thriving Partnership between POWERS Insurance and KPLR/KTVI

By JD Powers | March 30, 2022

Since July 2017, Powers Insurance and Risk Management has partnered with KPLR and KTVI to provide live weather cameras during newscasts and a broadcast and editing space for news crews. The partnership has brought St. Louis viewers live looks of the West St. Louis area during severe weather events as well as beautiful vistas of […]

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Cannabis Employment Practice Liability (EPL) Insurance

By Christopher Sullivan | March 14, 2022

When a cannabis operator thinks of insurance, typically the basic coverages are considered: property insurance on the facility and contents liability coverage for the premises and product workers’ comp for their employment force commercial auto for company-owned vehicle While general & product liability policies cover bodily injury, property damage and personal injury, these policies will […]

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The Importance of Contract Alignment for Cannabis Operators

By Christopher Sullivan | November 2, 2021

As a cannabis insurance risk manager, one of the questions I commonly hear from my clients is centered around how to manage their insurance program from a contractual alignment perspective. To put it simply, my clients want to make sure the vendors and other businesses they work with have the proper insurance in place … […]

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Partner with Gio

To protect the business you've worked hard to build, insurance alone is not enough. It's crucial to identify the most critical threats and make strategic decisions that will allow you to grow your business without disruption.

When you partner with us, we’re more than your insurance agency. We’re a true business partner invested in your success.

powers process infographic
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