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What makes our independent agency different?
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- We offer a wide variety of insurance solutions.
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Baker Welman Brown Insurance & Financial Services
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Baker Welman Brown Insurance and Financial Services have offered protective solutions to clients since 1939. With our independent advantage, we are not tied to any single company but rather match you with a company that can offer the most valuable coverage with solutions to suit your individual needs. Baker Welman Brown is partnered with Trusted Choice to simplify the insurance process to find you the right coverage. Through a broad range of insurance products and financial advice, we are able to protect individuals, families, and businesses throughout Missouri, Arkansas, Tennessee, Mississippi, and Texas.
The team at Baker Welman Brown takes every opportunity to show clients that we care. We provide our clients with expertise in analyzing their exposures to loss and recommend appropriate solutions to minimize risks. In doing so, we aim to provide our clients with the most suitable insurance and investments available and help them meet their goals and protect their future. Read more about us!
The Solution To Your Insurance Needs
Providing a variety of personal insurance, business insurance, and employee benefits solutions is what Baker Welman Brown Insurance & Financial Services does best.
Preserve Your Finances
A majority of people cannot explain why they own the investments they have or even accurately define their risk tolerance. This causes people to invest in an ad hoc random fashion, without rhyme or reason.
Our goal is to help you understand the three keys to successful investing: diversification, defining risk tolerance, and determining the appropriate asset allocation.
What Makes Baker Welman Brown Insurance & Financial Services Special
Here’s what sets us apart when it comes to serving your insurance needs.
Decades of Service
We have supported and protected our local community since 1939; over eight decades of reliable solutions.
We not only offer peace of mind in protecting your assets through quality insurance policies but also help preserve financial security.
Our agents are knowledgeable about the products we offer to help you meet your individual and business goals.
Grow your business while protecting your livelihood.
When your farm is both your home and your business, insurance can seem like a complicated topic. In fact, it’s an opportunity to get a single policy that meets all your needs. The key is being certain what you want from a farm insurance policy and making sure your insurer provides it.
Click it. Read it. Cover it.
Get a glimpse of the risks you face and how your insurance can protect what matters most.
Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.
If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.
Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.
To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.
Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.
Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.
During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.
Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.
Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.
It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.
What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?
A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.
If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.
To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.
Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.
To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.
There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?
You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.
If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.
Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.
If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.
Be sure you have coverage to help pay for repairs or other service work for broken glass.
Farm Insurance 101
Make sure you cover the unique risks you face with farm insurance.
- Click on the hotspots.
- Discover your risks.
- Get the right coverage.
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