Providing Insurance Solutions for Lake of the Ozarks &
Surrounding Communities ... For More Than 20 Years

  
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573-348-1731
4065 Osage Beach Parkway
PO Box 810
Osage Beach, MO 65065
Tel: 573-348-1731
   
   
   

Business Insurance Services by Golden Rule

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Coverage You Need, People You Trust

It’s More Than a Job – It’s Your Passion.

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Golden Rule Insurance Agency would like to return the favor by giving you the coverage you need to ensure the security of your business. At Golden Rule Insurance Agency, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom.

Why Business Insurance?

Having Business Insurance builds a strong foundation for any business, regardless of the field. When an accident occurs in the workplace, a protection plan from Golden Rule Insurance Agency can provide your business with policies like basic property and liability coverage to ensure that your business can keep running smoothly. Since commercial insurance policies vary from business to business, it’s important to discuss the available options with a representative at Golden Rule Insurance Agency, so we can build an insurance program that’s just right for you. Being a business owner means taking some risks, but choosing the right insurance company to protect your business shouldn’t be one of them.

We offer the following options for your business assets:

Commercial Property Insurance

Protection for Your Business Itself.

Every day, you work hard to ensure that your business stays up and running. From serving your customers and offering your products and services to providing your employees with jobs, your business is a powerhouse of activity. That’s why it’s important to make sure your commercial property is protected because accidents do happen, and the last thing you want to experience as a business owner is being out of commission and under the wrong policy.

With a custom Property Insurance policy from Golden Rule Insurance Agency, you can ensure that the building itself and the personal property of your business is protected from minor accidents or a major financial loss. Our insurance specialists can help you create a policy that keeps your small-to medium-size business insured from top to bottom by covering such items as:
  • Your building
  • All interior items (desks, furniture, etc.)
  • Any outdoor signs on your property
  • On-site equipment
  • Your inventory
Other items that are typically found on a Property Insurance policy can include Builder’s Risk insurance and Equipment Breakdown coverage. Builder’s Risk protects any materials or equipment from damage or loss sustained during construction or remodeling, while Equipment Breakdown, or Boiler and Machinery, keeps any electrical, electronic, or pressurized equipment on your premises insured from breakdowns or loss.

Additional Business Protection

In some cases, your business can save more by combining Property with Liability for the convenience of having your business needs met. To find out more about combining coverages, contact a professional at Golden Rule Insurance Agency today.

Contact us for a free quote.

General Liability

Critical Assurance for the Protection of Your Business.

Running a business is a major responsibility that can involve many risks. Not only are you responsible for ensuring that your day-to-day operations run smoothly, but you’re also accountable for keeping your employees and property insured from injuries and damages. At Golden Rule Insurance Agency, we can help you create a policy that’s designed to safeguard the best interests of your business - so you can focus on serving your customers and increasing your profits.

Commercial General Liability from Golden Rule Insurance Agency can prevent major financial losses if your business is sued or held legally responsible in the event of bodily injury or damage. With the proper policy, you can have most medical expenses, attorney fees, settlements, and reimbursements covered. Golden Rule Insurance Agency coverages include:
  • Premises Liability
  • Products and Completed Operations
  • Premises Medical
  • Fire Legal Liability
  • Casualty Coverage
Other types of Commercial General Liability include Garagekeepers Liability and Employment Practices Liability. If you run an auto service operation, having Garagekeepers Liability coverage will protect your customers’ vehicles from fire, vandalism, theft, or other damages. An option like Employment Practices Liability will protect your business if an employee’s legal rights have been violated.

Additional Commercial Liability

Other specialty types of Commercial Liability, such as Foreign, Liquor, and Concession Liability, can aid in furthering the safety of your business’s future.
  • Foreign Liability protects employees who travel out of the country (for business purposes) in the event of injuries, damages and lawsuits.
  • Liquor Liability includes covering damages and injuries in which your business is held legally responsible as a result of serving liquor - from liquor establishments to office parties/special events.
  • Concession Liability keeps your special event stand insured from damage, accidents, or accidental injuries sustained to pedestrians.
Since there are many types of liability coverages, it’s important to talk with a specialist at Golden Rule Insurance Agency about the best options for your business.

 

Contact us for a free quote.

Business Owners Policy (BOP)

Combined Coverage for Special Advantages.

At Golden Rule Insurance Agency, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That’s why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

A Business Owners Policy (BOP) from Golden Rule Insurance Agency allows your business to create a customized insurance policy that combines Property, Commercial General Liability, and Crime Insurance, as well as additional coverage types based on your needs.

The proper Business Owners Policy can keep your day-to-day operations protected with options such as:
  • Products and Completed Operations
  • Premises Liability
  • Premises Medical
  • Fire Legal Liability
  • Business Income Insurance
  • Building and Personal Property Protection
  • On-Site Equipment Insurance
  • Coverage for Inventory Loss
  • Crime Insurance

Find Out if Your Business is Eligible

Since Business Owners Policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Golden Rule Insurance Agency who can help you determine whether a BOP is right for your small or medium-sized business.

 

Inland Marine Insurance

Off-Site Protection for Your Valued Assets.

Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it’s important to keep your investments protected. With Inland Marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

At Golden Rule Insurance Agency, we’re dedicated to providing the coverage your business needs for the asset protection it deserves. Our Inland Marine policy insures that when your business is on the move, we’ll protect certain items, such as:
  • Transported Property
  • Computer Equipment and Data
  • Contractor’s Tools
  • Artwork
  • Buildings Under Construction

What Inland Marine Can Do for Your Business

No matter what business you’re in, an accident can happen at any time. That’s why it’s important to have an Inland Marine policy from Golden Rule Insurance Agency to provide your business with the appropriate coverage it needs on the road.

Since Inland Marine covers items outside of your standard Business Property Insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’s goods or equipment when transported by ocean and air, also known as Ocean Marine.

Contact an Inland Marine specialist at Golden Rule Insurance Agency today to find out how your business can insure its most valuable assets while working or traveling off-site.

Contact us for a free quote.

 

Marine General Liability

We specialize in Marinas/ Boat Dealers/Dock builders and Boat Rentals Marinas, Boat Dealers and other boat related businesses need specialized insurance coverages to fit the needs on and off the water. Our agency has over 25 yrs experience in this industry here at the Lake of the Ozarks. Whether coverage is needed for protection & Indemnity liability, floating docks, marina operators, boat dealers blanket, boat repair, dock builders or lift installers, we have various markets to customize the insurance package for each client.  We can design a package to fit the smallest operation to the large dealers/marinas at the lake.  We understand and can insure rental boat fleets including waverunners as well as charter boats and barge equipment.

Contact us for a free quote.

Commercial Auto Insurance

Peace of Mind for Businesses On the Road.

Golden Rule Insurance Agency understands the value of your commercial vehicles and the employees who drive them. From trips across the country to local deliveries and promotions, your mobile business fleet takes on the open road to keep operations running smoothly – but accidents do happen.

To prevent losing your hard-earned revenue due to an auto accident, you’ll want to ensure that your vehicles, products, and drivers are insured in the event of property or vehicle damage, bodily injury, legal costs, and more. With Commercial Auto Insurance from Golden Rule Insurance Agency, we’ll work with you one-on-one to create a customized policy that may include:
  • Bodily Injury Liability
  • Medical Payments
  • Personal Injury Protection (PIP) Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • GAP Coverage
  • Uninsured and Underinsured Motorist Coverage
Additional options like Bailee Coverage are available if needed. Bailee Coverage insures property loss or damage when in your company’s care, control, or custody – for example: product protection for items on a semi or delivery truck.

Since Commercial Auto Insurance coverage varies, it’s important to discuss your business options with a specialist at Golden Rule Insurance Agency who can help you determine the proper amount of coverage for all your commercial needs.

Auto Insurance is an essential financial decision that will keep your business covered. The next time your fleet takes the road, make sure it’s protected with Commercial Auto policy from Golden Rule Insurance Agency.

Contact us for a free quote.

Commerical Umbrella Insurance

Extra Protection that Keeps You in Business.

As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.

With Commercial Umbrella Insurance from Golden Rule Insurance Agency, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.

A Commercial Umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, General, Auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.

What Does Commercial Umbrella Insurance Cover?

Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where Commercial Umbrella coverage can safeguard your business:
  • Accidental falls or slips on your property
  • A carbon monoxide leak in your building
  • Libel, slander, or invasion of privacy
  • If one of your products causes injury or illness
  • If a fire in your building damages other property
  • Violations of Employment Practices Liability
  • If your business vehicle is involved in an accident

How Much Umbrella Coverage is Enough?

Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Golden Rule Insurance Agency, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. Commercial Umbrella Insurance is simply an affordable coverage that can help you avoid major losses.

Protect your business personally and financially with a Commercial Umbrella policy from Golden Rule Insurance Agency.

 

Contact us for a free quote.

Professional Liability

Mistakes Happen.

In today’s litigious society, lawsuits against businesses are common. And as a business owner, you need to be prepared to protect the integrity of your company if an incident or mistake turns into a claim.

At Golden Rule Insurance Agency, we understand that mistakes happen. That’s why we’re committed to helping you create a Professional Liability policy that keeps your day-to-day operations protected should your business be held legally liable.

What Does Professional Liability Cover?

While it’s important for your business to have general liability coverage for property damage and bodily injury, Golden Rule Insurance Agency recommends adding Professional Liability Insurance to your business portfolio because it insures the people and/or entities of your business from negligent claims made by third parties, or even internal sources.

From failure to render a service to malpractice suits, Professional Liability can provide a wide variety of options, such as:

Errors and Omissions Liability (E & O) – E & O covers any mistakes made by employees who work on behalf of your business, if your business charges fees for your services. It can include coverage for any errors such as failure to perform or violations of contract. Depending on your industry, your insurance needs will vary.

Directors and Officers Liability (D & O) - Having financial protection for your business’s Directors and Officers can prevent loss in the event that they are held liable from actions related to their corporate positions. This can include anything from conflicts of interest to mismanagement of company assets and violation of laws.

Fiduciary Liability - Fiduciary covers claims that involve the violation of the Employee Retirement Income Security Act, or ERISA. If a manager, for example, violates the financial obligations of ERISA, having the right coverage can protect your company if held liable in situations from imprudent investments to failure to enroll employees.

Employment Practices Liability - With proper insurance, your business can be protected if a worker claims that his or her rights have been violated. This can include violations from sexual harassment and discrimination to violations of the Americans with Disabilities Act (ADA), mismanagement of employee benefit plans, and wrongful termination.

Contact a representative at Golden Rule Insurance Agency today to prevent mistakes and errors from becoming major losses for your business.

 

Contact us for a free quote.

Workers Compensation Insurance

Keep Your Employees Protected.

Golden Rule Insurance Agency understands the value of good employees. We know that your day-to-day operations depend on their hard work, expertise, and dedication, and if you supply them with quality benefits and plans, they can work with the peace of mind assurance that they’re properly protected.

Having the right Workers Compensation plan from Golden Rule Insurance Agency can allow your business to ensure payments and cover expenses if an employee is injured from a work-related accident. Injuries can range from car accidents and back injuries to equipment malfunctions and, in some unfortunate cases, death.

Workers Compensation can cover financial obligations such as:
  • An injured employee’s medical expenses/treatment
  • The replacement of lost wages from injury time off
If your business does not offer Workers Compensation, serious injuries that occur on the job could lead to an employee suing your company for damages. That’s why it’s important to discuss your options with a specialist at Golden Rule Insurance Agency who can help you find the right coverage options for all your business needs.

 

Contact us for a free quote.

Restaurant/Bar Insurance

When it comes to insuring your restaurant or bar, Golden Rule Insurance has you covered.

Property Coverages
  • Building
  • Tenant's Improvements & Betterments
  • Your business personal property
  • Bulkheads, pilings, piers, wharves, or docks
  • Outdoor fences
  • Retaining walls
  • Light poles
  • Trees, shrubs, or plants
  • Outdoor antennas and satellite dishes

Coverages:

  • Business income (no waiting period)
  • Extended business income
  • Extra expense (actual loss sustained)
  • Forgery or alteration
  • Exterior building glass
  • Equipment breakdown
  • Sewer back-up
  • Arson/theft/vandalism loss reduction incentive

Valuation Options

  • Replacement Cost
  • Actual Cash Value
  • Functional Replacement Cost

Endorsements Available

  • ILBA/MLBA Broadened Property
    • Outdoor signs/awnings/tents
    • Interior glass
    • Money and securities
    • Employee dishonesty
  • Leasehold interest for tenants
  • Garagekeepers (valet parking)
  • Seasonal occupancy

Optional Coverages Available

  • Business income from dependent properties
  • Outdoor singns/awnings/tents
  • Interior glass
  • Money and securities
  • Brands and labels
  • Extortion
  • Outdoor signs/awnings away from premises
  • Employee dishonesty
  • Spoilage
  • Food contamination
  • Fine art owned by others
  • Utility services - time element (including overhead transmission lines)
Deductibles From Which to Choose
  • $250
  • $500
  • $1000
  • $2500
  • $5000
  • $10,000

Optional Coverages

  • $250
  • $500
  • $1000
  • $2500
** For water front bars/restaurants there are standard deductibles for uncovered parking docks
Liability Coverages
  • Premises/operations
  • Products
  • Medical Payments
  • Assault and battery (unless specifically excluded)

Endorsements Available

  • Employee-related practices liability
  • Non-owned auto (with know delivery exposure)
  • Hired auto liability
  • Employee benefits liability
Liquor Liability Coverages
Commercial umbrella Coverages
  • Statutory responsiblity for all states
  • Common law responsilbity for all states
  • No annual aggregate limit of insurance
  • Employees/volunteers as insureds
  • Premises "owners" as insureds
  • Broadened definition of "your premises"
  • Excess liability limits
  • May extend over scheduled underlying policies
    • General liability
    • Liquor liability
    • Automobile liability
    • Employers liability
Workers Compensation
  • Employers liability
  • Statutory coverage

Contact us for a free quote.

In-Home Business

It’s Not Just Your Home. It’s Your Living.

Home-based businesses, both big and small, have become one of the fastest growing commercial segments in America. As the owner of an In-Home Business, chances are your operations extend beyond the walls of your home. At Golden Rule Insurance Agency, we want to help you protect the security of your business with proper coverage, because the insurance required most likely goes beyond that of your standard Homeowners policy.

We know that you’ve invested hard work and countless hours into building up your In-Home Business, and because of that, Golden Rule Insurance Agency wants to ensure that your operations continue to grow. With the right insurance policy for your business, you can provide the special protection you need in one comprehensive policy.

An In-Home Business policy from Golden Rule Insurance Agency can cover:
  • Professional Liability
  • Personal property used for business operations
  • Loss of income due to a covered event
  • Loss or damage to business records and inventory
Depending on your business needs and living situation, you may also qualify for additional services to round out your In-Home Business Insurance, including combined coverage with your Homeowners policy.

Talk to a representative at Golden Rule Insurance Agency today to create the perfect plan to address all of your business needs.

 

Group Health Insurance

Benefits That Keep Your Employees Happy.

As an employer in today’s business world, Golden Rule Insurance Agency knows how important it is to provide Health Insurance to the most valuable asset of your business – your employees. By providing each employee with a plan that meets his or her expectations, it can help your business lower turnover and keep a staff that’s healthy and insured with peace of mind.

At Golden Rule Insurance Agency, we’re proud to offer a variety of Group Health Insurance plans for small to mid-sized businesses – for quality assurance and additional benefits. Our Health Insurance specialists will work with you one-on-one to develop a Group plan that’s not only affordable, but complements your business’s needs.

Which Plan is Right for Your Business?

Group Health Insurance plans typically include either Indemnity Plans, such as Fee-for-Service (FFS), or Managed Care Plans, including: Health Maintenance Organization (HMO), Preferred Provider Organization (PPO), and Point-of Service (POS).

The major difference between Indemnity and Managed Care Plans is the types of providers, choices of doctors and physicians, out of pocket expenses, and medical bill payments.

Since Group Health Insurance options vary from state to state in coverage options and benefits, as well as the size of your business, it’s important to discuss your business’s Health Insurance needs with a specialist at Golden Rule Insurance Agency who can help you find a solution that’s ideal and feasible for you and your employees.

Contact us for a free quote.

 

   
   
Golden Rule Insurance
4065 Osage Beach Parkway
Osage Beach, MO  65065

Tel: 573-348-1731 Fax: 573-348-5630
     
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