Auto Businesses and Garages Insurance
Coverage for dealers, repair shops, body shops, and garages
Auto-related businesses have unique risk, and standard business insurance is rarely enough. Whether you run an auto repair shop, auto body shop, dealership, detail shop, or service garage, we help you build the right commercial insurance program to protect your property, employees, customers’ vehicles, and your income. Hereth Insurance Consulting provides Missouri auto business insurance quotes from contractor and specialty markets that understand automotive exposures.
Who we help
Auto repair shops, mechanics, oil change and tire shops, transmission shops, brake shops, auto electrical, auto body and collision repair, paint and body, dealerships, used car lots, service garages, towing operations connected to a shop, and small fleet auto businesses.
Coverages we commonly build for auto businesses
- Garage Liability for bodily injury and property damage arising from your operations
- Garagekeepers Legal Liability to protect customers’ vehicles in your care, custody, and control
- Dealers Open Lot coverage for vehicles held for sale on the lot
- Commercial Property coverage for the building, tools, equipment, inventory, and signage
- Business Income and Extra Expense to help keep cash flow going after a covered loss
- Commercial Auto for tow trucks, service vehicles, loaners, and business-owned autos
- Workers Compensation for technicians and shop employees
- Umbrella or Excess Liability for higher-limit requirements and stronger protection
- Equipment Breakdown for lifts, compressors, diagnostic equipment, and critical shop machinery
- Cyber Liability for payment systems, customer data, and ransomware exposure
- Crime coverage options for theft, employee dishonesty, and certain financial losses
Key items we help you get right
Auto businesses often get hit with coverage gaps when forms are not structured correctly. We’ll help you choose the right valuation method for property, set proper limits for tools and equipment, and build garagekeepers coverage that matches how vehicles are stored and handled. If you have loaner cars, test drives, pickup and delivery, or transport exposure, we’ll make sure the policy reflects it.
How pricing works
Auto business insurance pricing depends on your operation type, annual sales, payroll, number of employees, driver history, property values, security measures, and claims history. We shop multiple carriers and programs to find the best fit, then present clear quote options so you can choose based on coverage and cost.
Why clients choose us
We move quickly, we know automotive insurance requirements, and we make the process easy. That means clear proposals, responsive service, and help with certificates of insurance when landlords, lenders, or vendors ask for proof of coverage.
If you’re searching for “garage insurance” “auto repair shop insurance” “auto body shop insurance” or “car dealership insurance in Missouri”.
Click below to see what we can do for you, as we’ll help you compare options and get covered.
Landscaping and Tree Service Insurance
Coverage for lawn care, landscaping, and tree trimming in Missouri
Lawn care and landscaping businesses face daily exposure from equipment, vehicles, employee injuries, and property damage at customer locations. Tree trimming adds higher-severity risk because of elevated work and potential damage to homes, fences, power lines, and vehicles. Hereth Insurance Consulting helps Missouri lawn care, landscaping, and tree service companies compare commercial insurance quotes built for the work you do, not a generic policy that leaves gaps.
Who we help
Lawn mowing and maintenance crews, landscape installation, hardscaping support work, sprinkler and irrigation contractors, fertilizer and pesticide applicators, seasonal snow removal, and tree trimming and tree removal operations.
Coverages we commonly build for landscaping and tree businesses
- General Liability to protect against property damage and injury claims at job sites
- Workers Compensation for crews and jobsite injuries
- Commercial Auto for trucks, trailers, and business vehicles
- Hired and Non-Owned Auto when employees drive personal vehicles for work
- Tools and Equipment coverage for mowers, blowers, trimmers, skid steers, and jobsite gear
- Inland Marine options for equipment in transit or at temporary locations
- Commercial Property and Business Income if you have a shop, yard, or storage
- Umbrella or Excess Liability for higher-limit job requirements and added protection
- Crime coverage options for theft and certain employee dishonesty exposures
- Cyber Liability for invoicing, payments, and business email compromise
Common gaps we help you avoid
Many landscaping claims happen because equipment is transported daily, stored at different locations, or left on jobsites. We help structure coverage, so tools and equipment are protected whether they are on a trailer, at a jobsite, or in storage. If you do snow removal, pesticide application, irrigation work, or tree work, we make sure the policy reflects those operations, so you do not run into exclusions later.
Certificates and contract requirements
Landscaping and tree contractors often need COIs for HOAs, commercial properties, municipalities, and general contractors. We help with job-ready certificates and endorsements when required, including Additional Insured, Waiver of Subrogation, and Primary and Noncontributory wording.
How pricing works
Pricing depends on payroll and class codes, type of work performed, subcontractor use, number of vehicles, equipment values, territory, and claims history. Tree trimming and removal can carry different rating factors than lawn maintenance, so we quote based on the exact work you do and shop multiple contractor-friendly markets.
Why clients choose us
We provide clear coverage options, quick certificate support, and practical guidance so your insurance stays aligned with your business as you add crews, vehicles, equipment, and new service lines.
If you’re searching for “lawn care insurance” “landscaping insurance” or “tree trimming insurance in Missouri”
Click below to see what we can do for you, as we’ll help you compare options and get covered.
Daycare and Childcare Insurance
Coverage for daycares, preschools, and in-home childcare
Daycare insurance needs to do two things well: protect children and staff, and protect the business and owner from claims that can threaten everything you’ve built. Whether you operate a licensed daycare center, preschool, church daycare, or in-home childcare, Hereth Insurance Consulting helps Missouri childcare providers compare insurance quotes designed for childcare risks and licensing requirements.
Who we help
Daycare centers, preschools, early learning programs, in-home daycare providers, church and nonprofit childcare, after-school programs, and small child development facilities.
Coverages we commonly build for daycare businesses
- General Liability to protect against injury claims and property damage
- Professional Liability for childcare operations, supervision, and allegations tied to care
- Abuse and Molestation coverage, often required and critical for childcare operations
- Commercial Property coverage for the building, playground equipment, contents, and improvements
- Business Income and Extra Expense to help after a covered shutdown
- Workers Compensation for employees and staff
- Commercial Auto if you transport children or use business-owned vehicles
- Hired and Non-Owned Auto when staff drive personal vehicles for business tasks
- Umbrella or Excess Liability for higher-limit requirements and added protection
- Crime coverage options for theft and employee dishonesty exposures
- Cyber Liability for parent billing systems and stored personal information
Licensing, contracts, and documentation support
Daycare providers are often required to show proof of coverage for licensing, landlords, lenders, and programs. We help you produce clean certificates of insurance and provide the documentation needed for enrollment programs and facility agreements. If you have specific required limits, we build the program to match those requirements.
Common gaps we help you avoid
Childcare insurance can fall apart when policies are missing key coverage for professional liability or abuse and molestation. We focus on building the correct package so you have the protections most childcare operations need, and we help you choose limits and deductibles that match your risk and budget. If you have playground exposure, field trips, or special activities, we make sure the policy reflects those operations.
How pricing works
Pricing depends on number of children, ages served, staffing, revenues, hours of operation, transportation exposure, prior claims, and location. We quote based on the specifics of your daycare and shop multiple markets to find the best fit for coverage and cost.
Why clients choose us
We make the process simple, explain coverage in plain language, and stay responsive when you need policy changes, certificates, or renewal planning. If you’re searching for “daycare insurance Missouri” “childcare liability insurance” or “in-home daycare insurance”
Click below to see what we can do for you, as we’ll help you compare options and get covered.
General Business Insurance
Commercial insurance quotes for Missouri small businesses
Not every business fits neatly into one category, but every business needs protection that matches what you actually do. Hereth Insurance Consulting helps Missouri small businesses compare commercial insurance quotes from multiple carriers, so you can protect your property, your income, and your liability without guessing at what coverage you need.
Who this is for
Professional offices, retail stores, service businesses, light contractors, small manufacturers, wholesalers, nonprofits, and growing companies that need a straightforward commercial insurance plan with the right coverages in place.
Coverages we commonly build for general business risks
- General Liability to protect against customer injuries and property damage claims
- Business Owners Policy (BOP) options that combine liability and property when eligible
- Commercial Property coverage for buildings, contents, inventory, and improvements
- Business Income and Extra Expense to help keep cash flow moving after a covered loss
- Workers Compensation for employees and workplace injuries
- Commercial Auto for business-owned vehicles, plus hired and non-owned options when needed
- Umbrella or Excess Liability for added protection above primary limits
- Cyber Liability for ransomware, payment fraud, and data exposure
- Employment Practices Liability (EPLI) for certain employee-related claims
- Crime coverage options for theft, employee dishonesty, and certain financial losses
- Equipment Breakdown for critical equipment and systems that keep you operating
What we do for you beyond the quote
We help you choose coverage limits and deductibles based on real risk, not guesswork. If a landlord, vendor, or client requires proof of insurance, we provide certificates and can assist with common contract needs. As your business grows, we help with changes like adding locations, vehicles, payroll updates, and new operations so your coverage stays accurate.
What impacts pricing
Commercial insurance pricing depends on industry, revenue, payroll, location, property values, claims history, and required limits. We shop multiple markets to find the best fit and present clear options so you can compare coverage and cost side by side.
If you’re searching for “business insurance near me” “commercial insurance Missouri” “general liability insurance” or “BOP insurance quotes”
Click below to see what we can do for you, as we’ll help you compare options and get covered.