At Risk Strategies, we help our clients protect those things that matter most to them. We help them see the way forward in a complex world with specialty insight, practical advice, and custom insurance with a vast network of specialists in Property & Casualty, Employee Benefits, Private Client, as well as Consulting Services and Financial and Wealth Management solutions. We are a different kind of insurance brokerage – bringing a strategic, holistic, specialist approach to our clients, so they can face the future with confidence. We are the 9th largest privately held insurance broker in the US with over 30 specialty practices, 200+ locations, and 5,000 team members (and counting!). We love what we do, and it shows. For five straight years, we were named one of the Best Places to Work by Business Insurance. In 2024, we earned certification as a Great Place to Work. Risk Strategies is an Accession Risk Management Group company, a family of specialty insurance distribution and risk management companies powered by a shared vision of delivering a superior client and employee experience.

Legacy Advisors' Columbia, Missouri office is part of the Legacy Advisors organization. Its work centers on healthcare and social services employers, serving small and mid-sized organizations. The office places both self-funded and fully insured arrangements, with medical and prescription drug coverage, ancillary lines, retirement plans and mega wrap arrangements. Employer clients including Western Smokehouse Partners, LLC and Complete Health Care Solutions, Inc are well rated by their employees for benefits. Example carriers include Elevance, UnitedHealthcare and Delta Dental.

Brown & Brown - St. Louis, MO is an office of Brown & Brown located in Chesterfield, Missouri. Its work centers on employers in healthcare and social services, primarily mid-sized organizations. The office places both self-funded and fully insured arrangements, with medical coverage including PPO plans and prescription drug benefits, along with ancillary lines and retirement plans. Example carriers include CIGNA, Elevance and Meritain Health.

SJH Agency is a standalone employee benefits brokerage office based in Saint Louis, Missouri. Its work centers on manufacturing and retail services employers, primarily small and mid-sized organizations. The office places self-funded arrangements alongside medical and PPO coverage, ancillary lines, retirement plans and Mega Wrap programs. Example carriers include UnitedHealthcare, Cigna and Elevance.

HSI Benefit Systems, Inc is a standalone employee benefits brokerage office based in Osage Beach, Missouri. Its work centers on healthcare and social services employers, and it serves large employers, placing medical coverage along with ancillary lines. Example carriers include Colonial Life & Accident and Transamerica.

Employee Benefit Design - Springfield, MO is the Springfield, Missouri office of Employee Benefit Design. Its work centers on healthcare and social services, manufacturing, and professional business services employers, primarily mid-sized organizations. The office places self-funded arrangements alongside medical, PPO and prescription drug coverage, and also handles ancillary lines, retirement plans and mega wrap arrangements. Employer clients including SRM, LLC are well rated by their employees for benefits. Example carriers include Elevance, Meritain Health and UnitedHealthcare.

Cox HealthPlans is a standalone employee benefits office based in Springfield, Missouri. Its work spans manufacturing, professional business services, religious and non-profit organizations, and retail services, generally serving mid-sized and large employers. The office places both self-funded and fully insured arrangements, with medical and PPO coverage as well as retirement plans. Employer clients including Community Blood Center of the Ozarks, Inc. and Hutchens Industries, Inc. are well rated by their employees for benefits. Example carriers include Cox Health Systems.

Brown & Brown's Kansas City, Missouri office is part of the Brown & Brown brokerage. Its employer clients concentrate in manufacturing, professional business services, healthcare and social services, construction and agriculture, and the office works primarily with mid-sized and large employers. The office places self-funded arrangements alongside medical, PPO and prescription drug coverage, ancillary lines and retirement plans, and its work extends to mega wrap arrangements and collectively bargained plans. Clients including Savion, LLC and The McClure Corporation are well rated by their employees for benefits. Example carriers include BCBS of Kansas City, UnitedHealthcare and Cigna.

Spetner Associates, Inc. operates an office in St. Louis, Missouri, as part of the broader Spetner Associates, Inc. organization. The office works with mid-sized and large employers across healthcare and social services, professional business services, manufacturing, administrative and support services, and construction. Its placement work centers on self-funded arrangements and medical coverage, including PPO plans, along with ancillary lines and retirement plans. The office also handles mega wrap arrangements and collectively bargained plans. Employer clients including Quality Integrated Services Inc. and Village Caregiving LLC are well rated by their employees for benefits. Example carriers associated with the office include Elevance, UnitedHealthcare and Cigna, among others such as BCBS of IL, MT, NM, OK, TX and PFG.