Business Insurance at
Lake of the Ozarks

Business Insurance at Lake of the Ozarks
Commercial Insurance provides coverage to protect the business entity, owner and employees should accidents happen. At Naught-Naught Agency we work with your business and ask detailed questions as your business is like no other.  We work to make sure we offer the best coverage to solve your insurance needs.

We do annual reviews with customers to update changes in payroll and receipts as well as discuss changes in operations.  We also review property values and liability limits to make sure they are adequate in the event of a loss.

Visit Our Osage Beach Location

We offer coverage for your Lake Business:

General Liability
Commercial Property
Workers Compensation
Business Auto and Fleet
Directors and Officers Liability
Employee Benefits
Key Man Life Insurance
Professional Liability

Specialty Programs:

Bar & Tavern

Naught-Naught Agency is endorsed by the Missouri Restaurant Association.

Naught-Naught Agency is recommended by the Missouri Association of Insurance Agents.

General Liability Insurance

When a lawsuit arises against your business as a result of bodily injury or property damage you caused, General Liability will help cover the cost of your legal defense as well as pay claims you are deemed liable.  This could also include personal and advertising claims like libel and slander.


Property Insurance

Your building, contents, inventory and other physical assets need coverage for all sorts of physical loss.  Make sure your limits are adequate by reviewing the values with your agent and doing a business inventory.  Also, be sure to look into Business Income coverage for potential lost income due to down time after a loss.  This could be the lifeline that allows the business to meet the ongoing financial obligations such as mortgage, rent and payroll.

Workers Compensation Insurance

Almost all states have some requirement that businesses carry work comp insurance.  Regardless of the requirement, if you have even one employee you are still responsible for that employee if they are injured.  Workers Compensation not only covers medical bills, but also helps to replace wages while the employee is off work.

Commercial Auto Insurance

A Business Auto policy provides coverage for the business, employees and company owned vehicles.  You should also consider liability coverage for non-owned autos and hired autos for when employees are working on your behalf.

Other Business Insurance Coverage

Directors and Officers Liability
Key-Person Life Insurance
Professional Liability
Data Breach and Cyber Liability
Employee Benefits

Insurance Services

Car Insurance We'll review your existing policy and help determine if you have the right coverage at the right cost!

Business Insurance Make sure you have the right coverage for your business ... we'll do a full analysis.

home owners insurance lake of the ozarks

Home Owners Insurance It's important to protect your greatest asset and to ensure you have the right coverage.

Meet Steve Naught It's essential to work with an agent you can trust and one you can reach when you need to.

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