Life insurance is important because it helps protect the ones you love financially against life’s unexpected moments. Life insurance can help replace a spouse’s income to help pay bills, pay for final expenses or outstanding debt, finance future needs for children such as education, and protect a spouse’s retirement.



Whole life insurance, one type of permanent life insurance, provides employees with stable rates for their entire lives and a potential return on the cash value within their policy.



Term life insurance gives your employees the greatest amount of coverage possible for the most affordable price. Term life insurance provides protection for a period of time (10, 15, 20, or 30 years), chosen by your employee, to meet their needs.



Universal life insurance, another type of permanent life insurance, combines the peace of mind you and your employees need with the flexibility that they desire.

We write custom insurance policies, which allow you to ride with confidence. Protect your horses, barns, trailers, and tack investments with a custom policy by a Specialty Risk Insurance Agency producer. Insuring your purchase before you leave the sale is the second most important move after selecting the next addition for your equine program. Headquartered in Carthage, Missouri, our sales team knows what’s important to your policy because they live and breathe the equine industry, too. As a horse owner, equine liability covers your home and your horse operation, on and off premises, including boarding, breeding, racing, training, horse shows, and riding instruction. We not only write policies for horse owners, but also for veterinarians, trainers, and barn owners. Our custom policies can include transportation, mortality, life insurance, workers compensation, and group and individual health insurance.