Commercial Insurance
Protecting the Business You've Built
From small shops to growing companies, I'll find the right commercial coverage to protect your assets, your employees, and your livelihood.
Business Insurance That Works as Hard as You Do
Every business is different. I take the time to understand your operations, your risks, and your goals — then shop multiple carriers to build a coverage package that protects what you've worked to build.
What I Cover
Commercial Coverage Options
Commercial Property
Protect your building, equipment, inventory, and business personal property from fire, theft, and other covered losses.
- Building & structure coverage
- Business personal property
- Equipment breakdown
- Business income / loss of revenue
General Liability
Essential protection against third-party claims for bodily injury, property damage, and advertising injury.
- Bodily injury & property damage
- Products & completed operations
- Personal & advertising injury
- Legal defense costs
Commercial Auto
Coverage for vehicles used in your business — from a single work truck to an entire fleet.
- Liability & collision coverage
- Hired & non-owned auto
- Fleet discounts available
- Uninsured motorist protection
Workers Compensation
Protect your employees and your business when a workplace injury or illness occurs.
- Medical expense coverage
- Lost wage replacement
- Employer liability protection
- Required in most states
Commercial Umbrella
An extra layer of liability coverage that extends beyond your primary policy limits when a major claim arises.
- Extends liability limits
- Covers catastrophic claims
- Protects business assets
- Cost-effective added protection
Business Owners Policy (BOP)
A bundled policy combining property and liability coverage — ideal for small to mid-sized businesses.
- Property & liability in one policy
- Business income coverage
- Often more affordable than separate policies
- Customizable endorsements
Industries I Serve
Coverage for a Wide Range of Missouri & Illinois Businesses
Why Bauer Insurance for Your Business?
Your business is unique — your insurance should be too. I take the time to understand your operations, your exposures, and your goals before recommending a single policy.
- Independent agent — I shop multiple carriers for your best rate
- Personalized review of your business risks and exposures
- One local contact for all your commercial insurance needs
- Licensed in Missouri and Illinois
Let's Protect Your Business
A quick conversation is all it takes to start building the right coverage for your business.