Published June 30, 2026 · 40 years in trucking & the trades
What we cover in Union
Pick a coverage to quote or buy — or book a consult and we'll sort it out together.
Why folks in Union choose a local agent
When you're in Union, 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 Union: the local picture
Union, MO's economy is driven by manufacturing, retail, and healthcare, suggesting a demand for diverse commercial insurance products. The area's notable hail activity and severe weather warnings highlight a heightened risk for property and auto damage, necessitating robust coverage. Furthermore, the county-level flood risk indicates potential needs for specialized flood insurance for residents and businesses.
Population: 12348 (2020)
Major local employers & who's hiring
- Cooperative Home Care — care services
- MFA Oil — shopping
Local Union businesses
A few businesses that call Union home — independent of our agency.
- Cooperative Home Care — ag-commercial
- MFA Oil — ag-commercial
- MotoMart Convenience Stores — c-store
- Phillips 66 — c-store
- Mobil — c-store
- Shell — c-store
- QuikTrip — c-store
- Midwest Petroleum — c-store
- BP — c-store
- US Bank — financial
- Sullivan Bank — financial
- Heritage Community Bank — financial
Local facts that shape your coverage
- Union, MO had a population of 12,348 in 2020. — Population density affects insurance pricing and market size.
- The largest industries in Union, MO are Manufacturing, Retail Trade, and Health Care & Social Assistance. — Economic drivers indicate types of commercial insurance needs (e.g., manufacturing liability, retail property).
- The Union, MO area experienced 16 reports of on-the-ground hail and was under severe weather warnings 30 times during the past 12 months. — High frequency of hail and severe weather warnings indicates increased property and auto insurance claims risk.
- Franklin County, which encompasses Union, MO, has documented flood risk according to First Street Foundation data. — Flood risk is a critical factor for property insurance, potentially requiring separate flood policies.
Local figures compiled from public sources: en.wikipedia.org · datausa.io · interactivehailmaps.com · firststreet.org. 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.
Union, MO insurance — common questions
How much does insurance cost in Union, MO?
Rates in Union 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 Union?
Yes. InsureToday24 (BNW Services LLC) is a licensed local agency serving Union and all of MO — home, auto, farm, business, life, and more.
Can I get a quote in Union 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.