Construction Smart Equipment Saves Lives (and Money)
Smart technology is revolutionizing construction safety and lowering insurance costs, but it’s not always easy to see how. ...
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Phone: (314) 725-1414
The Workers’ Compensation Audit: A Colonoscopy For Your Workers’ Comp Policy
If you’re a contractor, you most likely have Workers’ Compensation insurance, and if you have Workers’ Compensation insurance, ...
Read More Do You Need an HNOA Endorsement for Your Commercial Auto Policy?
Insuring company vehicles is a vital part of a comprehensive insurance policy for any business. But what happens ...
Read More How to Increase Contractor Bonding Capacity
What is Bonding Capacity? Bonding capacity is a measure of how much financial risk a contractor can handle. ...
Read More How Workplace Safety Technology Helps Control Insurance Costs
Imagine walking through a job site with the ability to prevent an accident before it happened. With today’s ...
Read More What the Heck are Dram Shop Laws: Why Your Hospitality Business Needs Liquor Liability Insurance
Businesses that sell liquor are regulated under Dram Shop laws and protected with Liquor Liability Insurance. Liquor Liability ...
Read More Alternative Risk Solutions: Captives and Other Solutions
Managing risk is crucial for contractors of any size. But big projects come with big risks. For large ...
Read More Subcontractor Prequalification: Insurance, Surety Bonds, Safety and More
In many industries, prequalification is a crucial part of vendor and subcontractor selection. This process helps companies reduce ...
Read More Overcoming the Skilled Labor Shortage: 4 Strategies for Recruitment, Retention, and Growth
Companies across the US are grappling with the challenge of attracting and retaining qualified employees. More than 70% ...
Read More Driver Qualification: The Ultimate Checklist for Employers
Motor vehicle accidents continue to be a leading cause of injury and death in the US. Is your ...
Read More Understanding Your Workers’ Comp E-mod
As a business owner, you’ve probably heard the term “experience modification factor” – or “e-mod” – when discussing ...
Read More Navigating Liquor Liability: Understanding the Risks for Bar Owners
Whether you’re a seasoned veteran in the hospitality industry or just starting out, understanding the inherent risks associated ...
Read More 3 Strategies to Save Money on Business Insurance
Rising costs are the #1 concern for business owners in the U.S. When it comes to business insurance, ...
Read More How to Prevent the Most Common Injuries in Hospitality
The hospitality industry averages more than 90,000 injuries per year. Some of the most common injuries in hospitality ...
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How Much Does Business Insurance Cost? Breaking Down Premium Calculations
A recent survey by Next Insurance found that 96% of business owners didn’t achieve a passing grade when ...
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The Commercial Insurance Underwriting Process: How To Stand Out
To business owners, the commercial insurance underwriting process can seem like a mystical process that happens behind closed ...
Read More Top Safety Policies and Procedures for Any Business
This post is part of our series, The Ultimate Workplace Safety Guide. Check out our related posts: Why ...
Read More Safety KPIs to Track for Continuous Improvement
This post is part of our series, The Ultimate Workplace Safety Guide. Check out our related posts: Why ...
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Incident Investigation: How to Stop Future Safety Incidents
This post is part of our series, The Ultimate Workplace Safety Guide. Check out our related posts: Why ...
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Safety Program Development: How to Create and Implement Policies
Once you’ve established a safety culture and identified your top risk areas to address, it’s time to put ...
Read More How to Identify Hazards with a Risk Assessment Framework
A thorough risk assessment is the first step toward creating effective safety policies and procedures that will move ...
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How to Build a Safety Culture (or Make Yours Even Better)
Whether creating a workplace safety program from scratch or just revisiting it, your first priority should be establishing ...
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Why Workplace Safety is Important: Every Business Needs a Program
The likelihood that your business will experience a workplace injury depends on many factors, but the reality is ...
Read More The Ultimate Workplace Safety Guide for Business Owners
Most businesses in high-risk industries like construction or manufacturing have safety procedures and policies. But what makes a ...
Read More How does legalized marijuana affect workers compensation?
Does Missouri’s Workers Compensation statutes require post-accident drug testing, and is that affected by the recent passing of ...
Read More How the New Recreational Cannabis Bill in Missouri Impacts Insurance for Business Owners
On November 8th, 2022, Missouri became the 21st state in the US to legalize recreational cannabis. As Amendment ...
Read More Powers Expands Commercial Lines Team
POWERS Insurance & Risk Management is proud to announce the addition of Rachel Winkelmann to the commercial lines ...
Read More The future of insurance after COVID-19
Like many industries, COVID-19 will change how insurance policies are written. Communicable disease/viruses like the COVID-19 are ...
Read More Property Insurance for a Cannabis Company
Regarding successful commercial cannabis company — property insurance is an integral piece of the puzzle. However, legal considerations ...
Read More Thriving Partnership between POWERS Insurance and KPLR/KTVI
Since July 2017, Powers Insurance and Risk Management has partnered with KPLR and KTVI to provide live weather ...
Read More Cannabis Employment Practice Liability (EPL) Insurance
When a cannabis operator thinks of insurance, typically the basic coverages are considered: property insurance on the facility ...
Read More The Importance of Contract Alignment for Cannabis Operators
As a cannabis insurance risk manager, one of the questions I commonly hear from my clients is centered ...
Read More What is Employment Practice Liability Insurance?
Our society is becoming increasingly litigious. The threat of a lawsuit hangs over every business transaction, large or ...
Read More How does Jewelry Insurance work?
Jewelry Insurance should be a standalone policy, separate from your homeowners insurance. Having a separate policy, ensures that ...
Read More Hospitality Services: A letter from JD Powers
Hospitality Services, I know you’re scrambling to survive and overwhelmed with conflicting information. In the spirit of trying ...
Read More Specialty Insurance: A Definitive Guide To Understanding Coverage
Understanding insurance coverage is important. No matter what kind of insurance you're dealing with it's best to know ...
Read More A Message to Hospitality Clients
First, I can’t thank you enough for taking the safety and health concerns so seriously to protect our ...
Read More Coronavirus and Managing Remote Work Cyber Risks
Given the implications of the coronavirus (COVID-19) outbreak, countless employees across a variety of industries are working remotely. ...
Read More How Coronavirus Could Impact Your Business’s Insurance
The new coronavirus (COVID-19) outbreak continues to be a top-of-mind concern for organizations and individuals across the globe. ...
Read More What Is Sinkhole Insurance?
You've probably heard of sinkholes, the hollowed-out portions of soil that sometimes collapse, taking houses, cars, and -- ...
Read More What is Nationwide Private Client Auto Insurance? How Does It Compare?
If you have a vehicle then you know that insurance is a necessity. What if you own a ...
Read More The Importance of Travel Insurance
You always dreamed of a round-the-world cruise, you have tickets and suddenly a pilot's strike in Berlin puts it all ...
Read More Collectibles Insurance: The Importance of Protecting Your Prized Possessions
Perhaps you have a baseball signed by Babe Ruth or you’ve spent your life collecting Cuban cigars, Hummel ...
Read More Employee Spotlight – Chris Sullivan
In the POWERS Insurance and Risk Management family, we value our employees tremendously. Each month we put a ...
Read More Employee Spotlight – Lorraine Troyer
In the POWERS Insurance and VIAA family, we value our employees tremendously. Each month we put a spotlight ...
Read More How is private client insurance different?
What do hospital gowns and insurance policies have in common? You’re never covered as much as you think ...
Read More NEED TO FILE AN INSURANCE CLAIM?
DO NOT call your insurance carrier first! From a tree falling on your property, to experiencing a house ...
Read More Employee Spotlight – Linsey Morris
Here in the POWERS Insurance and VIAA family, we value our employees tremendously. Each month we put a ...
Read More Employee Spotlight- Chrissy Beardall
Here in the POWERS Insurance and VIAA family we value our employees tremendously. Each month we put a ...
Read More JD Powers recognized as an industry top producer
JD Powers, President of POWERS Insurance & Risk Management, was recently recognized by Insurance Business America in the ...
Read More POWERS Insurance’s Emerging Risks in the news
The announcement of our Emerging Risks Division has been met with an overwhelmingly strong reception, both publicly and ...
Read More Powers Insurance recognized in Insurance Journal
At Powers Insurance, we are here to help you with your commercial insurance needs in St. Louis. Powers ...
Read More Sinkhole Coverage
This spring, I received a call that all advisors dread. It was following the spring rains and a ...
Read More Plant A Tree. It’s Good Policy.
In our continuing effort to give back to the environment, POWERS Insurance and Risk Management is proud to ...
Read More JD Powers Recognized in Insurance Business America’s 2017 Young Guns
In today’s competitive insurance market, standing out amidst a pool of immense talent can be a challenge. Yet ...
Read More Ribbon Cutting Ceremony for POWERS Building
POWERS Insurance and Risk Management has moved locations! Check out our ribbon cutting ceremony with Mayor Lyda Krewson ...
Read More 5 Rules Every Landlord Should Live By
I'm pretty confident that if you asked anyone who has ever owned a rental property you would get ...
Read More Will my credit rating change my insurance rates?
I was recently asked this question by one of our POWERS Insurance clients, and thought I would share the ...
Read More Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?
Why do my auto insurance rates keep going up even though my car is getting older? At POWERS ...
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