When It Comes to Your Business, We Mean Business.

BMI is there for you during every step.

General Liability

Bodily Injury and Property Damage, Medical Expense, Products/Completed Work, Fire Legal, and Personal & Advertising Injury

Building & Personal Property

Coverage for your business’ building and the business personal property inside.

BMI offers coverage for a wide variety of business risks.

Did you know BMI has always been locally operated? BMI originated and still operates in a small town in southwest Missouri. Doesn’t it make sense to trust an insurance company who operates their business in the same way you operate yours?  Only insuring property in Missouri allows us to focus our protection on those locally owned and operated smaller businesses that help define Missouri’s culture. We can best protect your livelihood because we run our business just like you do.

Our target markets include, but are not limited to:


  • Churches
  • Community Buildings
  • Civic Service or Social Clubs
  • Cemetaries


  • Accounting and Payroll Firms
  • Insurance Agencies
  • Real Estate Agencies
  • Travel Agencies


  • Antique Stores
  • Hardware Stores
  • Gift Shops
  • Feed, Grain or Hay Dealers

Artisan Contractors

  • Carpentry
  • Cleaning Services
  • HVAC repairs
  • Plumbing – Residential or Office


  • Restaurants
  • Florists
  • Beauty Shops
  • Laundry & Dry Cleaning


  • Lessor’s Risk
  • Daycare
  • Mini-Warehouse
  • Veterinarian

Find an Agent

Find a local agent who can assist you with your business coverage.

See below for optional coverage that can be added to your business policy. This provided information is not a complete list of all risk types acceptable or coverage available. Please contact your local agent to see how BMI can best protect your business.

Optional Coverage

Add more protection to your livelihood with these options.

  • Business Income

    Coverage to resume your business from time of loss and restoration period.

  • Employee Dishonesty

    Fraudulent acts by your employee that cause direct loss or damage to your business personal property, money or securities.

  • Spoilage

    Covers your perishable stock when damaged by breakdown, contamination and power disruption.

  • Outdoor Signs

    Your commercial outdoor sign on premises covered against named perils.

  • Sewer and Drain Backup

    Building and business personal property covered when water backs up through sewers or drains

  • Valuable Papers

    Cost to reproduce, replace or restore lost or damaged valuable papers.

Coverage is provided by BMI Company, Inc., Billings, Missouri. BMI is only licensed to sell insurance in Missouri. Terms, conditions and exclusions will apply. These brief descriptions of coverage are for you to see what BMI offers. They are not a statement of contract. Please refer to your policy for a full description of your coverages. Please contact your local BMI agent for more information.