Trusted Commercial Insurance in Independence, MO

Running a business comes with risk—protecting it shouldn't. At Hometown Insurance Agency LLC, we help local business owners stay protected with smart, reliable coverage that fits their needs. Whether you're just starting out or growing fast, we’re here to help you choose the right commercial insurance in Independence, MO. Call us today at (816) 795-7200 to speak with a local agent who understands your business.

A happy insurance agent talking to a business owner in an office

Why Commercial Insurance Matters

No matter what industry you're in, accidents, lawsuits, or natural disasters can put your business at risk. Without the right coverage, one unexpected event could lead to big financial losses. That's where commercial insurance in Independence, MO, comes in. It helps cover costs related to property damage, employee injuries, liability claims, and more.

Secure Your Business Future With the Right Coverage

You’ve worked hard to build your business—insurance helps protect it from the unexpected. Don’t leave your future to chance. Let us help you prepare for whatever comes next.

Our Commercial Insurance Services in Independence, MO, Include

At Hometown Insurance Agency LLC, we offer a wide range of commercial insurance in Independence, MO, that can be tailored to your unique business needs. Whether you operate a small boutique or manage a fleet of vehicles, we have you covered.

Here are just a few of our most popular commercial insurance options:

  • General Liability Insurance – This essential coverage protects you from legal claims if someone is hurt on your property or if you accidentally damage someone else’s property during business operations.
  • Commercial Property Insurance—This covers physical assets like your building, tools, furniture, and inventory in case of fire, theft, or natural disasters.
  • Workers' Compensation Insurance—Required by law in many cases, this helps cover medical bills and lost wages for employees who get injured on the job.
  • Business Owner’s Policy (BOP) – A great choice for small business owners, this package combines general liability and property insurance into one policy that saves you time and money.
  • Commercial Auto Insurance—If your business owns or operates vehicles, this protects against accidents, property damage, or injuries caused while driving for work.
  • Professional Liability Insurance—Also called errors and omissions (E&O) insurance, this covers your business if a client claims you made a mistake that caused them financial loss.
  • Cyber Liability Insurance—A must-have for businesses that handle customer data or operate online, this coverage protects against data breaches and cyberattacks.

Each policy is customized to make sure you only pay for the protection you actually need. Our team will guide you through every step.

Why Choose Hometown Insurance Agency LLC for Commercial Insurance in Independence, MO?

You have options—but here’s why local business owners trust us:

  • Local expertise—We work in the same communities you do. We know the risks businesses in Independence, MO, face every day.
  • Personalized attention—No call centers or bots—just real agents who take time to understand your business.
  • Multiple carriers, better options—As an independent agency, we shop across many top-rated insurance providers to find the best coverage at a fair price.
  • Fast, easy service—Need a certificate or a quick quote? We’re fast, efficient, and always available to help.

Our mission is simple: give you peace of mind so you can focus on growing your business.

Who We Serve

We proudly serve a wide range of businesses across industries, including:

  • Retail stores and local shops
  • Contractors and tradespeople
  • Restaurants and food service
  • Office-based professionals
  • Real estate agents and property managers
  • Auto repair shops and body shops
  • Nonprofits and small organizations

If you’re looking for commercial insurance in Independence, MO, we’ve got a solution that fits your needs and budget.

Get a Free Quote Today

Don't wait for something to go wrong. Call Hometown Insurance Agency LLC today at (816) 795-7200  or reach out to us online to get your free quote for commercial insurance in Independence, MO.


We’re ready to help you safeguard your future—starting now.