Business Insurance That Works as Hard as You Do
(And Won’t Leave You Hanging When Things Go Sideways)
Running a business means juggling a hundred things at once—customers, employees, inventory, cash flow… and that weird noise coming from the breakroom fridge. The last thing you need is confusing, cookie-cutter insurance that doesn’t fit your business.
At Hoesli Insurance Agency, we help protect hardworking businesses all across Missouri, Illinois, Indiana, Kentucky, Tennessee, Arkansas, Iowa, and Michigan with smart, customized coverage that actually makes sense.
Business Insurance Doesn’t Have to Be Boring
Let’s face it—insurance isn’t exactly thrilling reading material. But protecting your business? That’s serious stuff. That’s your livelihood. That’s how you keep the lights on and sleep at night.
Whether you’re a contractor, coffee shop owner, landlord, landscaper, or run a mobile axe-throwing truck (yep, we’ve seen it), we’ll build a policy that fits your real-world needs—not just the checkboxes on a form.
Custom Packages for Real Businesses
We don’t believe in “one-size-fits-most.” We design your business insurance around your actual risks—property, liability, equipment, employees, cyber threats, the whole nine yards.
We even help you spot sneaky risk factors that could spike your premiums or leave gaps in your coverage.
In other words: We do the thinking, so you don’t have to become an insurance expert overnight.
Wait—What’s the Difference Between a BOP and a CPP?
We’re so glad you asked.
- Business Owner’s Policy (BOP): It’s like getting a value meal—your basic coverages come bundled together. Easy. Affordable. Tasty.
- Commercial Package Policy (CPP): More like ordering à la carte—you pick and choose exactly what you want. Great if your business needs extra toppings.
We’ll help you figure out which one fits your business best, whether you’re just getting started or running a multi-state operation.
Just a Few of the Coverages We Offer:
- General Liability & Property
- Workers Comp
- Business Auto
- Cyber Liability (yes, even small businesses get hacked)
- Professional Liability (a.k.a. “CYA” insurance)
- EPLI (because HR nightmares are real)
- Commercial Umbrella
- Tools & Equipment Coverage
- Restaurants, Contractors, Churches, Salons, Offices, Shops, Warehouses—you name it
We also cover self-storage centers, apartment buildings, medical professionals, retail stores, painters, landscapers, auto repair shops, and more. If it has keys, cash flow, or customers—we probably insure it.
How to Get Started Without Getting Stressed
No two businesses are the same. That’s why we don’t throw a generic policy at you and hope for the best. Instead, we walk you through the process, explain what matters (in plain English), and help you make smart, confident choices.
Click here to request your quote
or call us—we love talking shop with fellow business owners. (Bonus: we won’t put you on hold with elevator music.)