# FAQ: General Questions About BNW Services / InsureToday24
New to us? Here are the everyday questions people ask before they get started — who we are, where we work, what it costs, and how the whole thing works. If your question isn't here, just call or text Lucy, our AI receptionist, at (573) 594-5148, or start at insuretoday24.com.
Who is BNW Services, and what is InsureToday24?
BNW Services LLC is a licensed independent insurance agency. InsureToday24 is the name we do business under online. "Independent" means we aren't owned by one insurance company — we're appointed with many carriers and shop them to fit your needs. You can verify our license yourself; we show you how in Is BNW Services Licensed? How to Verify Your Agent.
What areas do you serve?
We're based in the Kansas City area and focus on Missouri and Kansas, with a broader footprint that includes Nebraska, Tennessee, Oklahoma, Arkansas, and Colorado. For the full picture of where we're licensed, see Which States BNW Services Is Licensed In.
What types of insurance do you write?
Property (home, renters, landlord, mobile home), auto and other casualty, life and annuities, farm and crop, commercial (including business owners policies and workers' comp), trucking, and umbrella. What we don't write is health insurance — see Does BNW Offer Health Insurance?.
Does it cost more to use an agent instead of buying direct?
No. Using an independent agent generally doesn't add to your premium — agents are typically compensated by the carriers. You get comparison shopping and an advocate at no extra cost. See Why Use an Independent Insurance Agent.
Is a quote free, and am I obligated to buy?
Quotes are free, and there's no obligation. We'd rather earn your business with the right fit than pressure you. See How the Insurance Quote Process Works.
Who is Lucy, and is she a real agent?
Lucy is our AI receptionist — she answers calls and texts 24/7, takes your details, answers general questions, and routes you where you need to go. She is not a licensed agent and does not give advice, bind coverage, or set final prices. A licensed human handles anything affecting your coverage. See How to Reach Us — and What Lucy Can Do.
When can I reach you?
Lucy answers around the clock, so you can start a request any time — even late at night or on weekends — and a licensed agent follows up. The fastest way is to call or text (573) 594-5148.
How do I pay, and is it secure?
Card payments on our site run through Square checkout, a widely used, PCI-compliant processor, and many policies also offer carrier direct-bill or installment options. You should never be asked to wire money to a personal account. See How Your Premium Payments Are Safeguarded.
Is my personal information safe with you?
We protect your information consistent with federal privacy rules for financial institutions and applicable state law, and we don't sell it to data brokers or marketing lists. See How We Protect Your Personal Information.
Do you handle claims?
The carrier pays and manages your claim, but we're your advocate through it — we help you start the claim correctly, push for a fair review, and explain the process. See How to Start a Claim with BNW Services.
Can you help my small business, farm, or trucking operation?
Yes — those are core to what we do. We write business owners policies, general liability, commercial auto, workers' comp, farm and crop, and trucking. See FAQ: Life and Commercial Insurance and FAQ: Trucking and Commercial Auto Insurance.
How do I get started?
Two easy ways: call or text (573) 594-5148, or visit insuretoday24.com. Have your basic details ready — see What Documents You Need for an Insurance Quote — and we'll take it from there.
References
- Insurance Information Institute (III) — https://www.iii.org
- National Association of Insurance Commissioners (NAIC) — https://www.naic.org
- Consumer Financial Protection Bureau — https://www.consumerfinance.gov
- Missouri Department of Commerce & Insurance — https://insurance.mo.gov
- Kansas Insurance Department — https://insurance.kansas.gov
Related
- How to Reach Us — and What Lucy, Our AI Receptionist, Can Do
- How the Insurance Quote Process Works at BNW Services
- Why Use an Independent Insurance Agent
- Is BNW Services Licensed? How to Verify Your Agent
- Does BNW Offer Health Insurance?
Watch
- What an independent insurance agency does for you — search: "what does an independent insurance agent do explained"
- How AI receptionists help small businesses answer calls — search: "AI receptionist for small business how it works"