Insurance Brokerage

Our Philosophy: "To provide our policyholders with as near perfect protection,as near perfect service, as is humanly possible, and to do so at the lowest possible cost." We are a full-service, independent agency. Call us today at 804-746-0950 to quote your personal or business insurance needs.

We exist to shape decisions for the better — to protect and enrich the lives of people around the world. Our colleagues provide our clients in over 120 countries and sovereignties with advice and solutions that give them the clarity and confidence to make better decisions to protect and grow their business.

We believe life is meant to be lived to the fullest and health is a key ingredient in a life well lived. We simplify the complex choice of health coverage so that individuals and businesses can navigate their plan in a way that they feel secure, comfortable and free to focus on what matters to them. Follow us for benefits tips, industry trends, answers to common healthcare questions and more!

The Daniel and Henry Co. is an independent insurance broker which provides a full range of risk management and insurance products and services to clients locally, nationally, and internationally. We work diligently to provide the most cost-effective solutions for your business and personal needs. The trust of our clients has allowed The Daniel and Henry Co. to grow over the years and become one of the largest privately owned, independent insurance brokerage firms in the state of Missouri. The brokers and employees of The Daniel and Henry Co. are proud supporters of the community through donations and volunteerism.

USI is one of the largest insurance brokerage and consulting firms in the world, delivering property and casualty, employee benefits, personal risk, program and retirement solutions to large risk management clients, middle market companies, smaller firms and individuals. Headquartered in Valhalla, New York, USI connects over 10,000 industry-leading professionals across more than 200 offices to serve clients’ local, national and international needs. USI has become a premier insurance brokerage and consulting firm by leveraging the USI ONE Advantage®, an interactive platform that integrates proprietary and innovative client solutions, networked local resources and enterprise-wide collaboration to deliver customized results with positive, bottom-line impact. USI attracts best-in-class industry talent with a long history of deep and continuing investment in our local communities. For more information, visit usi.com.

OneDigital delivers strategic advisory consulting and technology-forward solutions to more than 85,000 employers across the nation. As employee health care, wellness and workplace benefits continue to converge, businesses of all sizes have relied on OneDigital’s exceptional advisory teams for counsel in employee benefits, wellbeing, human resources, pharmacy consulting, property and casualty solutions, as well as the retirement and wealth management services provided through OneDigital Investment Advisors. OneDigital’s commitment to technology and innovation enables its 3,000 advisors to deliver the most modern and intuitive customer experience anywhere in the industry. OneDigital has been named as a Best Place to Work in Insurance by Business Insurance. For more information, visit onedigital.com.

Kuhlmann Financial Services, Inc., a local insurance broker with an office located in Saint Charles, Missouri, offers exceptional insurance services to clients across Mississippi, Florida, and Alabama. With a strong expertise in the ambulatory health care services industry, they have earned high ratings from clients for their unparalleled customer service and expertise. One noteworthy example of their outstanding work is their partnership with Marcone Supply Corporate Office, an employer with 680 members in the ambulatory health care services sector. Kuhlmann Financial Services collaborated closely with Marcone Supply's HR and finance team to develop a tailored self-funding arrangement that caters to the unique needs of their members. This office of Kuhlmann Financial Services, Inc. is particularly renowned for their ability to serve clients of large employers like Marcone Supply Corporate Office. Leveraging their deep understanding of the ambulatory health care services industry, they provide comprehensive insurance solutions that address the specific challenges faced by businesses in this sector. Whether it's crafting self-funding arrangements, designing employee benefit packages, or implementing risk management strategies, Kuhlmann Financial Services, Inc. consistently delivers exceptional results. Their success can be attributed to their unwavering commitment to providing top-notch customer service and their extensive knowledge of the insurance industry. Clients trust Kuhlmann Financial Services, Inc. to navigate the complex landscape of insurance options and secure the best coverage for their needs. With their expertise and dedication, they have become a trusted partner for businesses in Mississippi, Florida, and Alabama, offering peace of mind and financial protection in an ever-changing insurance landscape.

Risk Strategies in St. Louis, Missouri, stands as a trusted insurance broker with a specialized focus on serving local and regional employers. With a keen emphasis on medical and ancillary benefits, this office location offers invaluable expertise tailored to the unique needs of businesses in the area. Boasting a diverse portfolio, they have successfully catered to clients such as Hannibal Regional Healthcare System, a prominent player in the hospitals industry, with a substantial participant base exceeding 530. What sets Risk Strategies apart is their profound understanding of the hospitals sector, showcasing a track record of excellence and deep industry knowledge. This office is a proud contributor to a larger regional insurance broker firm, further amplifying its capabilities and resources. The commitment to providing tailored solutions to clients in the medical and ancillary benefits sphere is evident in their collaborative approach and hands-on service. Employers seeking a reliable partner in navigating the complexities of insurance will find that Risk Strategies in St. Louis combines local insights with the backing of a regional powerhouse. With a proven track record and a focus on client satisfaction, this office location is well-equipped to meet the diverse needs of businesses in the ever-evolving landscape of employee benefits.