Multiple Company Options
Protection against price increases
Local service -
No call center
Risk Management: Fewer Claims, Better Coverage
Insurance pays after something goes wrong. Risk management is about making sure fewer things go wrong in the first place, and that when they do, you're covered the way you expected. Nothum Insurance helps businesses and families in Washington and the surrounding area spot the risks they face and decide which to reduce, which to insure and which to accept.
Our agent holds the Certified Insurance Counselor (CIC) designation, which includes advanced training in risk management and commercial coverage.
The Risk Management Process
• Identify the exposures you face: property, liability, employee injury, vehicles, contracts, data and key people
• Evaluate how likely each one is and how much it would cost you
• Control what you can through safety practices, written procedures and good contracts
• Transfer the rest through the right insurance and contract language
• Review everything every year as your business or household changes
Risk Management Services We Provide
• Insurance coverage audit: a line-by-line review of your current policies to find gaps, overlaps and outdated limits, even if you're insured elsewhere today
• Contract and certificate review: we check lease, vendor and customer insurance requirements against your policies before you sign
• Loss run and claims review to find patterns and prevent repeat losses
• Workers' comp cost control: return-to-work planning, safety program basics and help understanding your experience mod
• Business continuity review to make sure business income coverage would keep you open after a fire or storm
• Liability limit and umbrella analysis matched to your assets and contracts
• Personal risk reviews for families and high-net-worth households
Why It Matters
Frequent claims raise premiums and can make a business harder to insure. A modest investment in safety and good contracts often pays for itself at renewal, and businesses with clean loss histories and documented safety practices generally have more carrier options and stronger negotiating leverage.
Risk management is especially valuable for:
• Business owners whose premiums have climbed several renewals in a row
• Contractors who need to meet general contractor or municipal insurance requirements
• Companies with employees, vehicles or a growing workers' comp bill
• Families who haven't reviewed their coverage since buying their home
Serving Washington, MO & Surrounding Communities
Nothum Insurance proudly serves businesses and families throughout:
• Washington, MO
• New Haven, MO
• Union, MO
• St. Clair, MO
• Pacific, MO
• Hermann, MO
• Warrenton, MO
• Sullivan, MO
• Franklin County, Warren County and Gasconade County
• And communities throughout Eastern Missouri
Request a free coverage review, even if you're insured with another agency today.
Contact Nothum Insurance
565 Harold Meyer Drive, New Haven, MO 63068
Phone: (636) 283-2012
Email: spencer@nothuminsurance.com
Hours: Monday to Thursday 8am to 5pm, Friday 8am to 4pm, Saturday by appointment
Missouri Agency License #3004329020