JD Powers

CRM, PWCA, CLCS

Chief Executive Officer (CEO)

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Risk Management Guidance with Insurance Solutions

High expertise in the following areas

Cannabis from seed-to-sale

In all legalized States

Construction

Ask About Our New Inland Marine Product!

Manufacturing

Product Liability Coverage

Hospitality

Liquor Liability Coverage

EPL Coverage

Employee Professional Liability Coverage

D&O Coverage

Directors & Officers Coverage

Do something today that your future self will thank you for.

- Unknown

JD's Bio

JD Powers was born and raised in St. Louis, Missouri, and graduated from Regis University in Denver Colorado with a finance degree. After college, JD Powers started out as a door-to-door telecommunications sales representative in the San Francisco Bay area. Today he is president of one of the largest family owned and operated independent insurance and risk management agencies in the bi-state region. He has played an integral role in helping create more jobs within his company, growing the team from 13 associates in 2008 to 35 associates in 2020. He has built his team with a strong risk management mindset in order to establish the reputation as a premier insurance firm that helps businesses implement proactive risk management and risk transfer strategies.

JD entered the insurance and risk management field 12 years ago in November of 2008 and quickly earned his Commercial Lines Coverage Specialist designation (CLCS). His CLCS designation helped provide a foundation to understand commercial insurance policies, but it also confirmed that JD wanted to challenge himself more by learning other complex methods to protect businesses from catastrophic exposures that could threaten the business, it’s vested stakeholders and employees’ livelihoods.

JD completed 3 case studies and passed a test to earn his Professional Work Comp Advisor designation. Then he studied for 5 more years and passed 5 rigorous tests to earn his Certified Risk Manager designation which has increased his firm’s risk management capabilities to serve the surrounding community.

JD was recognized by Insurance Business America as 1 of 54 Young Guns across the country in 2017. He was also recognized twice by Insurance Business America as Top Producers across the country in 2019 and 2020.

"JD Powers has really proven valuable to our company over the past 8+ years. From helping us to manage our safety programs to improve our workers compensation insurance program to helping us obtain bonding for larger projects, he has always been by our side. JD is a true professional and an expert in his field!"

- Peter F.

"Love working with JD and Lorraine on solutions that fit our business and our budget. From signing the sale to navigating claims - the Powers team is helpful every step of the way."

- Craig M.

What Is Sinkhole Insurance?

By laurendavis | March 11, 2020

You’ve probably heard of sinkholes, the hollowed-out portions of soil that sometimes collapse, taking houses, cars, and — in rare cases — human beings with them. But what you might not realize is that sinkholes are fairly common. In fact, in the United States, approximately 20% of the land is susceptible to sinkholes. As such, it’s often a […]

What is Nationwide Private Client Auto Insurance? How Does It Compare?

By laurendavis | February 5, 2020

If you have a vehicle then you know that insurance is a necessity. What if you own a valuable vehicle? Do you know if your auto insurance will cover the entire value of your vehicle if you are in an accident? A lot of traditional insurance companies have set limits on the payout of claims. […]

What is Employment Practice Liability Insurance?

By Christopher Sullivan | September 3, 2020

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 […]

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 […]

Sinkhole Coverage

By JD Powers | September 5, 2017

This spring, I received a call that all advisors dread. It was following the spring rains and a client who lives in St. Louis County called to let me know that they woke up with a sink hole in their backyard and had some damage. Unfortunately, at the time of writing the policy we had […]

POWERS Insurance’s
Emerging Risks in the news

By Tim Davis | March 28, 2019

The announcement of our Emerging Risks Division has been met with an overwhelmingly strong reception, both publicly and in the news. Last week, POWERS Insurance announced the new division, which is focused on applying risk management techniques to the rapidly evolving industries of cannabis, cyber, renewable energy and technology. JD Powers, president of POWERS Insurance […]

Plant A Tree. It’s Good Policy.

By Tim Davis | August 30, 2017

In our continuing effort to give back to the environment, POWERS Insurance and Risk Management is proud to announce that it will plant a tree for every new client! The new policy will start with any client that joins POWERS Insurance & Risk Management starting September 1, 2017. This campaign coincides with our carbon neutral […]

JD Powers recognized as
an industry top producer

By Tim Davis | April 22, 2019

JD Powers, President of POWERS Insurance & Risk Management, was recently recognized by Insurance Business America in the magazine’s fifth-annual “Top Producers” article. Insurance Business Magazine is considered the country’s leading business magazine for today’s sophisticated commercial Insurance Broker and this year’s full annual top producers edition singled out 65 insurance brokers across the country who met […]

How does Jewelry Insurance work?

By JD Powers | July 7, 2020

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 […]

Hospitality Services: A letter from JD Powers

By JD Powers | April 1, 2020

Hospitality Services, I know you’re scrambling to survive and overwhelmed with conflicting information. In the spirit of trying to help you as much as possible, I want to share with you everything I’ve seen evolve in recent days. I am not an expert from a legal, accounting or banking standpoint, but I will continue to […]

Partner with JD

Any agency can sell you an insurance package. But sustainable business growth isn’t just about insurance. It’s about controlling risk and protecting what you’ve built.

Integrated risk management helps you make better business decisions by incorporating risk-aware practices, processes, and technologies into your operations.

When you partner with POWERS, you get dedicated risk experts on your team. Together, we’ll develop a complete risk management plan based on your unique risks and goals.

Then, we’ll help you put your plan into action and measure your success using our POWER