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Missouri & Kansas
jay@insure247.com(816) 384-7738

Missouri & Kansas

Business & personal
insurance in
Missouri & Kansas.

Bars, Restaurants, Contractors, Business, Home and Auto Insurance. Talk with Jay Stoetzer about your situation, your current policies and the questions you want answered.

Prefer to call directly? (816) 384-7738

Client conversations

Hear from Jay’s
business clients.

Video testimonials from Alan Gordon, Allen Sander and Brad Spitz.

Alan Gordon

Read the draft transcript — Alan Gordon

Automatic transcript for review. Recognition errors may remain; it has not received a full listening review. Please ask Jay to clarify any insurance information.

A client speaks to camera about working with Jay. The text follows the recorded response; it is not a coverage promise.

Hi, I'm Alan Gordon, and my wife and I have been investors in real estate for about six years now in the Kansas City area. Jay has been our insurance agent, and he's always been the guy to advise us on when to take a more expensive policy or endorsement. Other times when he sold us one, we could spend a little less on some of these issues because we didn't feel we needed them.

And most importantly, he was always there to make sure the deal got done in a timely manner and everybody's needs taken care of. So we can't be happier working with Jay as our agent.

Individual client experience. Coverage and outcomes vary by policy and circumstances.

Allen Sander

Read the draft transcript — Allen Sander

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A client speaks to camera about working with Jay. The text follows the recorded response; it is not a coverage promise.

Hello, this is Allen Sander. We are in the restaurant and bar business, which is one of the tougher industries to be in to get insurance. Jay has worked very well with us researching all possibilities because you have to deal not only with the liability but liquor liability, which makes it so tough. And Missouri is a real tough state to get it.

So he has worked very hard and diligently checking out all of our options to make sure we have the best coverage available and also the best policies. He's been great to work with.

Individual client experience. Coverage and outcomes vary by policy and circumstances.

Brad Spitz

Read the draft transcript — Brad Spitz

Automatic transcript for review. Recognition errors may remain; it has not received a full listening review. Please ask Jay to clarify any insurance information.

A client speaks to camera about working with Jay. The text follows the recorded response; it is not a coverage promise.

My name is Brad Spitz, and I'm the local president and owner of Bar-B-Clean of Kansas City. Our company specializes in outdoor barbecue grill cleanings, repairs, installations, and new grill sales. We cover the whole Kansas City Metro. We started working with Jay about two years ago, and we used Jay and his team for our commercial liability, auto and Worker's Comp. I would recommend Jay and his team for several reasons. One, very professional, easy to work with, very fair, hardworking, and also very responsive.

As a new business owner, I had a lot to learn, and he really did a nice job of coaching me through the right policies for what I needed. Also, his team very responsive at helping me with my commercial clients. We do a lot of work in Kansas City with apartments, associations, and multifamily unit homes, and they require high levels of insurance and certificates to go with those.

And in order to do business with those clients, we need to have those certificates buttoned up, and we request those all the time from Jay and his team, and they get those turned around very quickly, often within an hour once I've requested those. So very important to help me grow my business is getting those locked in, and they do a great job. Again, highly recommend. They've been a great partner for us at Bar-B-Clean of Kansas City.

Individual client experience. Coverage and outcomes vary by policy and circumstances.

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Watch with Jay

Three conversations
for your business.

Explore commercial coverage, business assets and practical questions for your next insurance review.

Commercial insurance

Where to start with business insurance

Commercial property

Commercial property insurance

Reducing commercial insurance costs

Tips to Lower Commercial Insurance Costs

Explore the video library
Personal insurance · Contractor & business insuranceMeet Jay
Coverages to discuss with Jay

Explore coverage questions before requesting a quote. Availability, limits, exclusions and endorsements depend on your operations and the policy issued.

General Liability

Discuss customer injuries, property damage and slip-and-fall claims. Review your activities, policy limits and exclusions with Jay.

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Commercial Property

Review your building, equipment, furniture and inventory, including values, insured causes of loss and deductibles.

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Business Owners Policy (BOP)

Ask whether a businessowners policy can combine eligible property, liability and business income protection for your operation. Eligibility and terms vary.

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Business Income

Discuss lost income and continuing expenses while closed after a covered loss. Review waiting periods, covered causes and the restoration period.

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Equipment Breakdown

Review mechanical or electrical failure of eligible coolers, HVAC, ovens and other equipment. Maintenance and ordinary wear are different from an insured breakdown.

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Workers' Compensation

Discuss employee injuries, staffing, job duties and payroll. Jay can review the workers’ compensation requirements and available terms for your Missouri or Kansas operation.

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Commercial Auto

Review business-owned trucks, vans and trailers. Explain who drives, how vehicles are used and what equipment they carry.

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Hired & Non-Owned Auto

Discuss liability when employees use their own cars or rented vehicles for business. Damage to those vehicles may require separate protection.

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Commercial Umbrella / Excess

Discuss additional limits over eligible liability and auto policies. Confirm which underlying policies, limits and exclusions apply.

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Employment Practices (EPLI)

Review allegations of harassment, discrimination and wrongful termination. Ask about reporting conditions, exclusions and any third-party or wage-and-hour options.

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Cyber Liability

Discuss data breaches, POS security, card skimming, online giving and incident response. Coverage depends on the events and expenses included in the policy.

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Commercial Crime

Review employee theft and dishonesty involving money, inventory or other insured property. Check covered persons, acts and limits.

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Liquor Liability

Discuss alcohol-service and sales exposures, including allegations involving over-serving or serving minors. Restaurants, grocery stores and convenience stores should describe how alcohol is sold or served.

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Assault & Battery

Ask how fights, altercations, security staff and bouncer incidents are treated. Review exclusions, defense costs and sublimits rather than assuming general liability includes them.

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Inland Marine / Tools & Equipment

Review tools, ladders and equipment at jobsites, in storage and in transit. Confirm ownership, scheduled items, valuation and theft conditions.

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Builders Risk

Discuss structures under construction or renovation, materials and work in progress. Confirm who insures the project and when protection begins and ends.

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Surety & License Bonds

Ask about city-license, permit, bid and performance bond requirements. Bonds differ from insurance and can include reimbursement obligations.

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Contractors Pollution Liability

Discuss possible mold, lead, fuel or chemical releases associated with your jobsites. The operations and policy selected determine the available protection.

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Professional Liability / E&O

Review design-build work, consulting and professional-service errors. General liability may not respond to these professional exposures.

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Directors & Officers (D&O)

Discuss allegations arising from board and leadership decisions. Review who is insured, reporting requirements, policy limits and exclusions.

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General information only. These descriptions do not amend a policy or guarantee a claim payment.

Clear next steps

How to get started.

You don’t need to have all the answers before you talk.

01

Tell Jay what’s changing

Share a little about your home, work or insurance questions.

02

Talk through the details

Bring your current information and the questions on your mind.

03

Consider your next step

Review what’s available and discuss how you’d like to proceed.

A little clarity

Good questions.
Clearer next steps.

Start with a few common questions, then explore the FAQs for your household or business.

Explore all FAQs
Why is rebuilding cost different from a home’s market value?

Market value includes factors such as location and land. A coverage review considers the cost of rebuilding the structure, including labor and materials. Bring details of renovations and additions to discuss the dwelling limit.

What does additional insured mean?

An endorsement may give another party specified rights under a liability policy. Bring the contract requirement and the party’s details so the endorsement can be reviewed; a certificate alone does not establish the requested coverage.

Where should a restaurant or bar insurance review begin?

Start with the operation: food and alcohol sales, hours, employees, premises and lease requirements. Discuss liability, property, staff and vehicle exposures with Jay rather than assuming every hospitality business needs the same arrangement.

Let’s start here

What’s on
your mind?

Start a quote request or choose a time to talk with Jay.