By Tyler Hunter, Licensed Agent, MBG Insurance written 10/5/2026 Electrical work carries a different kind of risk than most trades. A mistake doesn’t always show up the day you finish the job. Sometimes it shows up two years later as…
By Brandon Thompson, CEO and Co-Founder, MBG Insurance | Updated September 2026 When most excavation contractors think about insurance, they think about general liability. That makes sense. It’s the policy general contractors and developers ask for first, and it covers…
Concrete and flatwork contractors face risks that go well beyond accidentally damaging a customer’s property. Your company may own expensive equipment, operate heavy trucks, pull loaded trailers, employ multiple crews and rely on subcontractors to complete certain portions of a…
Starting a business is hard enough without insurance turning into another headache. But every year, we watch new business owners make the same avoidable mistakes when it comes to protecting what they’re building. Here’s what to watch for. 1. Waiting…
By Tyler Hunter If you’ve ever tried to figure out whether your business counts as “small,” you’ve probably run into a frustrating truth: it depends who’s asking. The Small Business Administration defines it one way. Your bank might define it…
By Tyler Hunter Forming an LLC can help separate your business obligations from your personal assets, but an LLC is not a substitute for business insurance. The business can still be responsible for injuries, property damage, employee accidents, professional mistakes,…
A sub tells you they’re covered. You get a certificate of insurance. Everyone moves on with the job. Then someone gets hurt, and you find out the certificate was outdated, the policy had lapsed, or worse — it was never…
One of the most common questions we hear from small business owners is whether they need to carry workers compensation coverage on themselves. If you own an LLC in Missouri, the answer has a few layers — you’re generally allowed…
By Tyler Protecting Your Cards, Your Store, and Your Community The collectible card business has exploded. Between vintage sports cards, graded Pokemon cards selling for five figures, and the steady popularity of Magic: The Gathering, card shops today are…
By Kirk Reisner, AIC — Partner, MBG Insurance Talk to enough small business owners about insurance and you hear the same frustrations on repeat. “I never hear from my agent until renewal.” “My certificate requests take a week.” “I got…
