Published June 17, 2026 · 40 years in trucking & the trades
What we cover in Sullivan
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Sullivan choose a local agent
When you're in Sullivan, Franklin County, you get a real person who knows MO — not a 1-800 menu. Billy E. Whited is a licensed local agent shopping 80+ carriers to fit your home, vehicle, farm, or business, and can quote, bind, or sit down with you in person, over Zoom, or on the phone.
Nearby towns we also cover:
Insurance in Sullivan: the local picture
Sullivan sits at the intersection of Interstate 44 and Missouri Route 185, straddling Franklin and Crawford counties, so commercial-auto and trucking liability exposure from the I-44 corridor is real and local. The free-flowing Meramec River just east of town has no flood-control dams and hit a record 36.5-ft crest in 2017, meaning homes, RVs, and boats near the river need flood and recreational coverage that a standard homeowners policy won't provide. With repeat tornado and large-hail events (an EF1 hit the high school and a local bar in May 2024), wind/hail roof endorsements and adequate dwelling replacement cost matter for the area's roughly 3,174 housing units.
Population: 6,906 (2020)
Major local employers & who's hiring
- MFA Oil Propane — shopping
- R and L Warehouse — shopping
Local Sullivan businesses
A few businesses that call Sullivan home — independent of our agency.
- MFA Oil Propane — ag-commercial
- BP — c-store
- Phillips 66 — c-store
- Midwest Petroleum — c-store
- Mobil — c-store
- Bugzy's ZX — c-store
- Circle K | Gas Station — c-store
- LibertyX Bitcoin ATM — financial
- BudgetCoinz Bitcoin Atm — financial
- ATM Sullivan Bank — financial
- Peoples Bank — financial
- Sullivan Bank — financial
Local facts that shape your coverage
- Sullivan had a population of 6,906 at the 2020 census, and the city straddles the border of Franklin and Crawford counties at the intersection of Interstate 44 and Missouri Route 185. — I-44 corridor location drives commercial-auto/trucking liability exposure; two-county split affects rating territory.
- The 2020 census counted 3,174 housing units in Sullivan with a 9.6% overall vacancy rate and an 8.9% rental vacancy rate. — Sizable rental share means landlord/dwelling-fire and renters coverage demand; informs home replacement-cost conversations.
- Fidelity Communications, a family-owned internet/cable/phone company founded in 1940 with 201-500 employees, is headquartered in Sullivan, Missouri. — Largest local employer anchor — group benefits, commercial property/liability, and workers-comp prospect, plus stable workforce for personal lines.
- The Meramec River flows through Meramec State Park just east of Sullivan; it is a free-flowing river with no flood-control dams and is subject to major flooding (events in December 2015 and May 2017). — No upstream dams = serious flood exposure for riverside property; flood, boat, and RV coverage gaps in standard policies.
- In May 2017 the Meramec River crested at a record 36.5 feet at Sullivan, a new all-time high for the gauge. — Record-breaking crest shows historic flood risk; argues for separate NFIP/private flood policies, not reliance on homeowners.
- On May 7-8, 2024, an NWS-confirmed EF1 tornado with ~100 mph winds touched down near Sullivan High School, destroying One More Pub & Grub and tearing a hole in the school roof (a foot of water flooded the library); no injuries were reported. — Recent tornado strike on commercial and institutional property underscores wind coverage and business-interruption needs.
- Sullivan has a documented history of significant hail, including events with marble-to-golf-ball-sized stones and drifts piling 10-12 inches deep that stripped vegetation. — Repeat large-hail justifies roof/cosmetic hail endorsements and awareness of ACV-vs-replacement roof settlements.
Local figures compiled from public sources: en.wikipedia.org · en.wikipedia.org · ded.mo.gov · stltoday.com · fox2now.com · ksdk.com. Estimates — verify current details with the original source.
Insurance requirements in Missouri
Missouri is an at-fault (tort) state: every driver must carry liability insurance, and Missouri also requires uninsured-motorist coverage — which matters because not everyone on the road is insured. Missouri sits in a hail- and tornado-prone corridor, so wind/hail protection and your roof's condition weigh heavily for homeowners and farm owners. As an independent agency we shop multiple carriers to fit Missouri's rules and weather to your budget. Verify current state minimums with the Missouri Department of Commerce & Insurance.
Sullivan, MO insurance — common questions
How much does insurance cost in Sullivan, MO?
Rates in Sullivan and Franklin County depend on your home, vehicles, business, and the coverage you choose. As an independent agency we shop 80+ carriers to find your best price — start a quote or call 573-594-5148 for a real number.
Do you write insurance in Sullivan?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Sullivan and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Sullivan today?
Absolutely. You can buy simple lines online in minutes, or book a quick consult — in person, over Zoom, or by phone — and we'll get you covered fast.