Click to Call Click to Text
Midwest Professional Insurance

4037 Central St
Kansas City, MO 64111

Get Directions

Featured Insurance Blog

Why renters insurance is important

As a renter, you may think you don’t need to have insurance to protect your rental. That is a mistake. If you are counting on your landlord to protect you, that is another mistake. At Midwest Professional Insurance, our entire team is dedicated to providing the highest level of customer service. We recognize insurance needs to provide the right coverage at the right price. We will work with you, listen to your questions, and address your concerns.

Just because you don’t own the residence where you live doesn’t mean having no insurance is a good idea. Renters insurance offers some valuable protection that can help you to protect what you have. 

Contents

Unless you are renting a fully furnished unit, you likely have quite a lot of personal possessions. Even if you don’t have furniture, everyone has electronics, which can be quite expensive to replace. A renters’ policy will cover your laptop or tablet even if it is away from your rental. Renters insurance covers you for damage due to things like fire and also from theft or vandalism.

Liability

If someone is injured while visiting your rental or by a member of your family, even a furry one, you could end up having to pay for medical bills. If someone decided to sue you, it could help with the legal fees and a judgment against you. 

Loss of use

If a covered hazard damages your rental, you will need somewhere to stay. With renters insurance, you will be able to stay in a hotel in the first days and a temporary rental unit if it will be longer. 

At Midwest Professional Insurance, we provide our customers with friendly and dedicated service. Give our office a call or stop in to talk to one of our team. 

Read More

As a renter, you may think you don’t need to have insurance to protect your rental. That is a mistake. If you are counting on your landlord to protect you, that is another mistake. At Midwest Professional Insurance, our entire team is dedicated to providing the highest level of customer service. We recognize insurance needs to provide the right coverage at the right price. We will work with you, listen to your questions, and address your concerns.

Just because you don’t own the residence where you live doesn’t mean having no insurance is a good idea. Renters insurance offers some valuable protection that can help you to protect what you have. 

Contents

Unless you are renting a fully furnished unit, you likely have quite a lot of personal possessions. Even if you don’t have furniture, everyone has electronics, which can be quite expensive to replace. A renters’ policy will cover your laptop or tablet even if it is away from your rental. Renters insurance covers you for damage due to things like fire and also from theft or vandalism.

Liability

If someone is injured while visiting your rental or by a member of your family, even a furry one, you could end up having to pay for medical bills. If someone decided to sue you, it could help with the legal fees and a judgment against you. 

Loss of use

If a covered hazard damages your rental, you will need somewhere to stay. With renters insurance, you will be able to stay in a hotel in the first days and a temporary rental unit if it will be longer. 

At Midwest Professional Insurance, we provide our customers with friendly and dedicated service. Give our office a call or stop in to talk to one of our team. 

Seven Insurance Policies for Small Businesses

With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Midwest Professional Insurance is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line.

Commercial Property Insurance

In the case of a catastrophic event such as a fire, explosion, burst pipe, storm or theft, commercial property insurance compensates you for losses or damage to your building, leased or owned equipment, and other property on the premises. In fact, commercial property insurance can cover items such as furniture, inventory, computers and anything that would be considered necessary for performing normal business operations.

Commercial property insurance is typically purchased as a stand-alone policy or as part of a comprehensive business owner’s policy that includes property and general liability coverage. Commercial property insurance is offered on either a replacement cost or actual cash value basis.

  1. Replacement cost: Pays the cost to replace or repair the damaged property with materials of like kind and quality, without any deduction for depreciation.
  2. Actual cash value: Pays the cost to repair or replace the damaged property, minus depreciation.

General Liability Insurance

General liability insurance policies typically cover an organization for claims involving bodily injuries and property damage resulting from its products, services or operations. What’s more, this form of insurance can help cover medical expenses and attorney fees resulting from bodily injury or property damage claims for which your organization may be legally responsible.

General liability insurance policies typically have four coverage elements:

Premises liability covers you in the event that a person who is not employed at your business becomes injured on your property. If someone sued your business because they tripped and fell on your property, liability insurance can help cover those expenses.

Products liability covers you if a product or service causes injury to someone’s body or inflicts damage on a consumer’s personal property. If you’re a tech company that broke a customer’s computer while performing a service on it, those damages could be covered.

A personal injury is when your business inflicts a physical, financial or mental injury to a third party. For instance, let’s say you take action in detaining someone who you had reason to believe was stealing from your store. If it turns out your accusations are false and the person decides to sue you, you’d be covered under your general liability policy.

Advertisement injuries are caused by alleged misinformation, copyright infringement or slander made by your company. If you were advertising a product that claimed it could help clear acne and it ended up making a consumer’s acne worse, that could be considered an advertisement injury.

Overall, a general liability policy is beneficial for covering any medical bills or legal costs that accrue if the injured third party decides to sue your business.

Employment Practices Liability

Employment practices liability insurance (EPLI) is a form of insurance that covers wrongful acts that occur during the employment process. The most frequent types of claims covered under an EPLI policy include claims of discrimination, wrongful termination, sexual harassment and retaliation.

These policies will reimburse your company against the costs of defending a lawsuit in court, and for judgments and settlements. EPLI covers legal costs, whether your company wins or loses the suit. However, these policies typically do not pay for punitive damages, or civil or criminal fines.

Workers’ Compensation

Workers’ compensation is important in the event that an employee suffers a work-related injury or illness. This type of insurance is required in most states and is used to cover medical bills or wage replacement for employees who experience a work-related injury.

For example, if a worker pulled a back muscle at work and was unable to perform their duties, workers’ compensation would help in covering any physical therapy costs as well as compensating the employee for any lost wages.

Having worker’s compensation insurance can also protect your business from civil suits made by employees against your company related to their injuries.

Cyber Liability Insurance

If any part of your business is on an online platform, it is crucial to obtain cyber liability insurance. This type of coverage can protect your business from a cyber attack or interruption that can cause a loss in data, revenue and the trust between you and your customers. Cyber liability insurance is not only there to protect the internal information of your company, such as employees’ social security or financial information, but it also protects your customers’ personal and banking information.

Most cyber liability policies include both first- and third-party coverage:

  1. First-party coverage is for the business itself— helping the business recover from any losses after a cyber attack.
  2. Third-party coverage is to cover claims by people who have been injured because of your business being hacked.

Restoring compromised or lost data can be very costly, so cyber liability insurance is there to help cover financial losses to your business and the costs of claims made against your company by clients or other third parties who were affected.

Commercial Auto

Commercial auto insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses.

Your business should consider a commercial auto policy if any of the following are true:

  1. Your business owns, leases or rents vehicles such as cars, trucks or vans.
  2. Your business has employees who drive their own vehicles to conduct business.
  3. Your business has employees who operate leased, rented or owned company vehicles.

Professional Liability Insurance

Professional liability insurance can cover the cost of defending your business in a civil lawsuit for an alleged error or omission. What’s more, depending on your industry, professional liability insurance may be required by law.

While many types of businesses need professional liability insurance, you should especially consider this type of insurance if your business works directly with customers while providing services.

More Information

Contact Midwest Professional Insurance to help you analyze your needs and decide on the right coverage for you and your growing business.

This Coverage Insights is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.

Read More

With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Midwest Professional Insurance is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line.

Commercial Property Insurance

In the case of a catastrophic event such as a fire, explosion, burst pipe, storm or theft, commercial property insurance compensates you for losses or damage to your building, leased or owned equipment, and other property on the premises. In fact, commercial property insurance can cover items such as furniture, inventory, computers and anything that would be considered necessary for performing normal business operations.

Commercial property insurance is typically purchased as a stand-alone policy or as part of a comprehensive business owner’s policy that includes property and general liability coverage. Commercial property insurance is offered on either a replacement cost or actual cash value basis.

  1. Replacement cost: Pays the cost to replace or repair the damaged property with materials of like kind and quality, without any deduction for depreciation.
  2. Actual cash value: Pays the cost to repair or replace the damaged property, minus depreciation.

General Liability Insurance

General liability insurance policies typically cover an organization for claims involving bodily injuries and property damage resulting from its products, services or operations. What’s more, this form of insurance can help cover medical expenses and attorney fees resulting from bodily injury or property damage claims for which your organization may be legally responsible.

General liability insurance policies typically have four coverage elements:

Premises liability covers you in the event that a person who is not employed at your business becomes injured on your property. If someone sued your business because they tripped and fell on your property, liability insurance can help cover those expenses.

Products liability covers you if a product or service causes injury to someone’s body or inflicts damage on a consumer’s personal property. If you’re a tech company that broke a customer’s computer while performing a service on it, those damages could be covered.

A personal injury is when your business inflicts a physical, financial or mental injury to a third party. For instance, let’s say you take action in detaining someone who you had reason to believe was stealing from your store. If it turns out your accusations are false and the person decides to sue you, you’d be covered under your general liability policy.

Advertisement injuries are caused by alleged misinformation, copyright infringement or slander made by your company. If you were advertising a product that claimed it could help clear acne and it ended up making a consumer’s acne worse, that could be considered an advertisement injury.

Overall, a general liability policy is beneficial for covering any medical bills or legal costs that accrue if the injured third party decides to sue your business.

Employment Practices Liability

Employment practices liability insurance (EPLI) is a form of insurance that covers wrongful acts that occur during the employment process. The most frequent types of claims covered under an EPLI policy include claims of discrimination, wrongful termination, sexual harassment and retaliation.

These policies will reimburse your company against the costs of defending a lawsuit in court, and for judgments and settlements. EPLI covers legal costs, whether your company wins or loses the suit. However, these policies typically do not pay for punitive damages, or civil or criminal fines.

Workers’ Compensation

Workers’ compensation is important in the event that an employee suffers a work-related injury or illness. This type of insurance is required in most states and is used to cover medical bills or wage replacement for employees who experience a work-related injury.

For example, if a worker pulled a back muscle at work and was unable to perform their duties, workers’ compensation would help in covering any physical therapy costs as well as compensating the employee for any lost wages.

Having worker’s compensation insurance can also protect your business from civil suits made by employees against your company related to their injuries.

Cyber Liability Insurance

If any part of your business is on an online platform, it is crucial to obtain cyber liability insurance. This type of coverage can protect your business from a cyber attack or interruption that can cause a loss in data, revenue and the trust between you and your customers. Cyber liability insurance is not only there to protect the internal information of your company, such as employees’ social security or financial information, but it also protects your customers’ personal and banking information.

Most cyber liability policies include both first- and third-party coverage:

  1. First-party coverage is for the business itself— helping the business recover from any losses after a cyber attack.
  2. Third-party coverage is to cover claims by people who have been injured because of your business being hacked.

Restoring compromised or lost data can be very costly, so cyber liability insurance is there to help cover financial losses to your business and the costs of claims made against your company by clients or other third parties who were affected.

Commercial Auto

Commercial auto insurance helps cover the costs of an auto accident if you or an employee is at fault. This coverage can help pay for damaged property and medical expenses.

Your business should consider a commercial auto policy if any of the following are true:

  1. Your business owns, leases or rents vehicles such as cars, trucks or vans.
  2. Your business has employees who drive their own vehicles to conduct business.
  3. Your business has employees who operate leased, rented or owned company vehicles.

Professional Liability Insurance

Professional liability insurance can cover the cost of defending your business in a civil lawsuit for an alleged error or omission. What’s more, depending on your industry, professional liability insurance may be required by law.

While many types of businesses need professional liability insurance, you should especially consider this type of insurance if your business works directly with customers while providing services.

More Information

Contact Midwest Professional Insurance to help you analyze your needs and decide on the right coverage for you and your growing business.

This Coverage Insights is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. Readers should contact legal counsel or an insurance professional for appropriate advice.

Self-care and Your Mental Health

More than half of adults in the United States will experience mental illness—which refers to a variety of conditions that affect one’s mood, behavior, feelings or thinking—at some point in their life. Mental illnesses can occur occasionally, while others are chronic. Common mental illnesses include anxiety, depression, schizophrenia and bipolar disorder.

Mental Health Awareness Month, observed every May, is a time to raise awareness about mental health, break the stigma and support people with mental illness.

Each condition has its own unique symptoms, but common signs of mental illness include the following:

  1. Feeling sad, irritable or angry for an extended time
  2. Feeling excessively paranoid, worried or anxious
  3. Experiencing extreme mood swings
  4. Avoiding friends and social activities
  5. Changing eating habits due to increased hunger or lack of appetite
  6. Having trouble sleeping or making dramatic sleeping pattern changes

One or two of these symptoms alone can’t predict a mental illness, but they may indicate a need for further evaluation.

Taking Care of Yourself

One way to improve your mental health is through self-care. Self-care looks different for every person since it involves doing things that you enjoy or need.

Here are some ideas for how to practice self-care:

  1. Live healthy by eating well, getting enough sleep and exercising regularly.
  2. Connect regularly with friends and family who encourage and support you.
  3. Pamper yourself by watching your favorite TV show, taking a bath, applying a face mask, getting a massage or reading a book.
  4. Find ways to relax, including meditating, practicing yoga, going on a nature walk or baking.

The goal is to try to do something you enjoy every day. If you have concerns about a loved one’s or your mental health, contact a doctor or mental health professional.

Skin Cancer and You

One in 5 Americans will be diagnosed with skin cancer in their lifetime. That makes skin cancer the most common cancer in the United States. Fortunately, skin cancer is highly preventable by avoiding excessive sun exposure.

May is Skin Cancer Awareness Month, but sun protection is important year-round. Here are a few tips to protect yourself outdoors:

  1. Stay in the shade under an umbrella, tree or other shelter. Avoid the sun between 10 a.m. and 4 p.m., when the rays are the strongest.
  2. Wear dark-colored clothes made of tightly woven fabrics and a hat that shields your face, neck and ears.
  3. Wear sunglasses to protect your eyes and the skin around your eyes.
  4. Use sunscreen that is at least SPF 30, applying it all over your body and lips. Reapply at least every two hours—and after swimming or sweating.

Routinely inspect your skin for any spots or changes in color or appearance. If you have any concerns, see your doctor.

Sunscreen label 101

Like other over-the-counter drugs, sunscreens follow regulated labeling guidelines. Here’s how to decode your sunscreen label:

  1. Broad-spectrum protection works against both UVA (skin cancer and premature aging) and UVB (sunburn) rays
  2. The sun protection factor (SPF) is the level of protection against harmful UVB rays
  3. Check the expiration date. Sunscreens are usually good for 2-3 years.

Fast Food and Heart Health

Fast food is highly processed and contains unhealthy trans fats, especially when food items are fried in oil. Eating fried food may increase your risk for heart disease and stroke.

According to new research, people who ate the most fried food per week had a 28% higher risk of major cardiovascular events, compared with those who ate the least. Those people also had a 22% greater risk of heart disease—and a 37% elevated risk of heart failure.

Along with choosing baked or grilled items, consider the following heart-healthy alternatives to fried food:

  1. Skinless poultry and fish
  2. A variety of fruits and vegetables
  3. Low-fat dairy products
  4. Whole grains

Limit your daily intake of fast food, and talk to your doctor if you have questions.

Read More

More than half of adults in the United States will experience mental illness—which refers to a variety of conditions that affect one’s mood, behavior, feelings or thinking—at some point in their life. Mental illnesses can occur occasionally, while others are chronic. Common mental illnesses include anxiety, depression, schizophrenia and bipolar disorder.

Mental Health Awareness Month, observed every May, is a time to raise awareness about mental health, break the stigma and support people with mental illness.

Each condition has its own unique symptoms, but common signs of mental illness include the following:

  1. Feeling sad, irritable or angry for an extended time
  2. Feeling excessively paranoid, worried or anxious
  3. Experiencing extreme mood swings
  4. Avoiding friends and social activities
  5. Changing eating habits due to increased hunger or lack of appetite
  6. Having trouble sleeping or making dramatic sleeping pattern changes

One or two of these symptoms alone can’t predict a mental illness, but they may indicate a need for further evaluation.

Taking Care of Yourself

One way to improve your mental health is through self-care. Self-care looks different for every person since it involves doing things that you enjoy or need.

Here are some ideas for how to practice self-care:

  1. Live healthy by eating well, getting enough sleep and exercising regularly.
  2. Connect regularly with friends and family who encourage and support you.
  3. Pamper yourself by watching your favorite TV show, taking a bath, applying a face mask, getting a massage or reading a book.
  4. Find ways to relax, including meditating, practicing yoga, going on a nature walk or baking.

The goal is to try to do something you enjoy every day. If you have concerns about a loved one’s or your mental health, contact a doctor or mental health professional.

Skin Cancer and You

One in 5 Americans will be diagnosed with skin cancer in their lifetime. That makes skin cancer the most common cancer in the United States. Fortunately, skin cancer is highly preventable by avoiding excessive sun exposure.

May is Skin Cancer Awareness Month, but sun protection is important year-round. Here are a few tips to protect yourself outdoors:

  1. Stay in the shade under an umbrella, tree or other shelter. Avoid the sun between 10 a.m. and 4 p.m., when the rays are the strongest.
  2. Wear dark-colored clothes made of tightly woven fabrics and a hat that shields your face, neck and ears.
  3. Wear sunglasses to protect your eyes and the skin around your eyes.
  4. Use sunscreen that is at least SPF 30, applying it all over your body and lips. Reapply at least every two hours—and after swimming or sweating.

Routinely inspect your skin for any spots or changes in color or appearance. If you have any concerns, see your doctor.

Sunscreen label 101

Like other over-the-counter drugs, sunscreens follow regulated labeling guidelines. Here’s how to decode your sunscreen label:

  1. Broad-spectrum protection works against both UVA (skin cancer and premature aging) and UVB (sunburn) rays
  2. The sun protection factor (SPF) is the level of protection against harmful UVB rays
  3. Check the expiration date. Sunscreens are usually good for 2-3 years.

Fast Food and Heart Health

Fast food is highly processed and contains unhealthy trans fats, especially when food items are fried in oil. Eating fried food may increase your risk for heart disease and stroke.

According to new research, people who ate the most fried food per week had a 28% higher risk of major cardiovascular events, compared with those who ate the least. Those people also had a 22% greater risk of heart disease—and a 37% elevated risk of heart failure.

Along with choosing baked or grilled items, consider the following heart-healthy alternatives to fried food:

  1. Skinless poultry and fish
  2. A variety of fruits and vegetables
  3. Low-fat dairy products
  4. Whole grains

Limit your daily intake of fast food, and talk to your doctor if you have questions.

Servicing States

  • Kansas
  • Missouri
  • Colorado
  • Illinois
  • Idaho
  • Texas

Testimonials

Google reviews

Partner Carriers

  • Ace
  • Ace
  • American Modern
  • Bristol West
  • Chubb
  • Condon Skelly
  • Encompass
  • Foremost
  • Hagerty
  • Kemper
  • Liberty Mutual
  • Markel
  • MetLife
  • Nationwide
  • Progressive
  • Safeco
  • The Hartford
  • Travelers