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Commercial & Business Insurance Policies

Lindenwood Agency provides comprehensive commercial & business insurance policies to St. Charles, St. Peters, O'Fallon, and St. Louis.

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Business Owner's Policy

Small to medium-sized businesses are the core of the United States economy, but more importantly are the life-blood of many American families. Protecting these businesses is of the utmost importance. If it’s an option, Business Owners Insurance is a great policy to purchase for protecting your business.

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Commercial Auto Insurance

Protecting your company’s vehicles with business car insurance is extremely important for you’re the longevity of your company. Vehicles are one of the most important tools your business has. Business car insurance can provide protection against legal expenses from medical or death that your vehicle caused, as well as property damage. 

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Surety & Fidelity Bonds

A promise by a guarantor to pay the oblige a specified amount if the principal party fails to meet an obligation (like meeting the terms of a contract). The bond protects the obliged party against a potential loss resulting from the principals failure to meet the terms of the contract or obligation. 

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Worker's Compensation

Worker’s compensation is designed to protect your company’s most important asset, the employees. According to the Occupational Safety and Health Administration, 1 in 10 construction workers are hurt every year! Worker’s compensation is there to help protect your employees should a work place injury occur. 

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Commercial Umbrella

A commercial umbrella policy is the ultimate way to safeguard your business assets. The purpose of an umbrella policy is to act as an extra layer of liability insurance over your existing liability policies. Most umbrella policies provide an extra $1 million or $2 million in coverage for a very minimal cost with limits going much higher if needed.

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Builder's Risk

A Builder’s Risk policy is an insurance product that protects commercial and residential structures while they are being renovated or built. Builders risk policies are designed to protect home builders, property flippers, and construction companies.

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General Liability Insurance

General liability insurance is a vital piece of protection for any business owner. General liability insurance is designed to protect the business from lawsuits in the event a customer or third party is injured or property is damaged due to the negligence of the business. There are several components of general liability insurance.

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Business Property Insurance

Commercial Property Insurance is one of the most common types of business insurance available. Since business locations are so vital to the operations of a business, commercial property insurance is extremely important.

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Business Inland Marine

Commercial Inland Marine coverage is a very important coverage to have. It’s a type of property coverage that insures property in transit. This coverage is important if you constantly ship items for your business, or if you use mobile equipment in regard to your business. A prime example of this is contractor’s equipment that is mobile and moved from job site to job site.

Experienced insurance agents you can trust with your home or business

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Lindenwood Agency in St. Charles is a locally owned Missouri insurance company who has the experience and expertise you need to make the right decisions. We strive to offer the best service of any insurance company in the local market and will put your individual and business insurance needs first.


With over 80 combined years in the insurance industry, we've seen it all and can handle it all. Rest assured that Lindenwood Agency will conduct a thorough assessment of your needs and determine the right coverage and insurance policies for you!

Schedule a consultation with Lindenwood Agency in St. Charles

Lindenwood Agency Commercial Personal Insurance St. Charles St. Peters Missouri

Lindenwood Agency specializes in providing comprehensive business & personal insurance plans with competitive pricing to St. Charles, St. Peters, O'Fallon, St. Louis, and surrounding areas. We are fully licensed and accredited and work with all major insurance companies to get you the best rates possible. Once we understand your insurance needs we will use every resource to secure the proper coverage at the most competitive prices available.

If you have any questions or want to set up an appointment, contact us or give us a call- 636-946-6133!


As a fine art company with a lot of high priced inventory moving around and being stored, we had a lot of unique questions and circumstances. The Lindenwood Agency was quick to answer and address any concerns we had. At the end of the day, they delivered a policy to fit our exact needs and left no doubt in our mind about coverage. You could tell they genuinely cared about getting us the proper coverage, they were looking out for things we had not even considered. We would wholeheartedly recommend Lindenwood Agency for any business that values personal attention and vast insurance knowledge.

Ryan, Lucks Fine Art

Ryan and the Lindenwold Agency have been nothing but helpful the past 2 years helping with my home insurance.  As a first time homebuyer I was, and still am, a bit overwhelmed at keeping up to speed with keeping my insurance and paperwork up to date.  Ryan and his team have always been available to walk me through the process and make sure I’m up to date getting the best deal on my insurance.  Overall the biggest key is trust, and I believe I’m in good hands at Lindenwood!

Mike, St. Louis

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