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Our Unique Advantage

Delayed callbacks Unanswered phones Paper applications Have to call to Get a Quote Must sign in office Slow response times No online access Fax still required Scattered communication High agency fees Delayed callbacks Unanswered phones Paper applications Have to call to Get a Quote Must sign in office Slow response times No online access Fax still required Scattered communication High agency fees
ACORD CERTIFICATE OF INSURANCE THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY INSURED POLICY NUMBER EFFECTIVE DATE EXPIRATION DATE GL AUTO WC UMBRELLA AUTHORIZED REPRESENTATIVE DATE ISSUED

Analog Agencies

You can't start a quote without calling first. You call, leave a voicemail, wait for a callback, then go back and forth for days just to get a number. Need a certificate? Call again. Need to make a change? Another round of phone tag. Every step requires you to stop what you're doing and wait on someone else's schedule — that's a bottleneck at every turn.

Instant COI
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Conexion Insurance Agency

We shop 50+ carriers digitally and get you covered fast. Quotes online 24/7, certificates issued same day, e-sign from anywhere. Everything analog agencies make hard, we make easy. Reach us any way you prefer: phone, text, WhatsApp, Messenger, or email. Our team is available around the clock so you always have someone in your corner. And our service doesn't stop at the sale. We stay with you through renewals, changes, and claims every step of the way.

Calls answered every time
Every request is recorded so you never repeat yourself twice
Extensive claims assistance

How to Start

We make getting a quote easy.

Step 01

Select the coverage you need

Home, auto, business, life, or something else entirely. Pick your coverage type and we take it from there.

Not sure what you need? Give us a call or text and we'll help you figure out the right coverage.

Select coverage
Step 02

Quote online, call, or text us

Use our online quoting tools for an instant rate, or reach us by call/text at 913-490-9050 or WhatsApp. Your choice.

Step 03

Receive a custom insurance proposal

We put together a tailored proposal and compare it side-by-side against your current policies so you can see exactly what you're gaining.

Step 04

Pick a plan and get covered

Choose what works for your needs and budget. We handle enrollment and stay with you long after.

Step 05

E-sign and start coverage virtually

Sign your documents online and start coverage the same day. For business policies, certificates of insurance are often issued same day.

For Individuals & Families

Coverage for individuals and families.

Home, auto, bundled, or an umbrella sitting on top here's what each one does and when it matters.

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Industries We Serve

Industry-Specific Coverage

Plus expert risk management guidance tailored for every industry we serve.

🔨

Contractors

Coverage for GCs, artisan contractors, and every trade in between. Plus 24/7 COI access so you focus on bids and running your business.

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🏘️

Landlords

Dwelling fire, rental property, umbrella, and loss of rent coverage tailored for single units or full portfolios.

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🍽️

Restaurants

Niche coverages for spoilage, fine wine, food contamination, liquor liability, and liquor bonds for establishments that serve more than just food.

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💻

Startups & Tech Companies

Tech E&O for software, SaaS, and services where traditional E&O runs short, plus cyber liability for breaches, ransomware, and social engineering attacks.

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🏬

Mall Strips

We specialize in unique exposures like mixed habitational and commercial properties, including the historic downtown buildings other agents won't touch.

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🔐

Escape Rooms

General liability, workers' comp, and equipment coverage for themed entertainment venues. We get the weird stuff, the props, and the puzzle rigs.

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💪

Gyms

Coverage tailored for member injury, equipment, and specialized classes, from boutique studios to full-scale fitness centers.

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Churches / Non-Profits

We partner with leading carriers who specialize in D&O coverage for board members, plus the other coverages nonprofits actually need.

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📦

Warehouses

Property, liability, and stock coverage built for logistics operations, including goods in transit and stored inventory.

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🚗

Dealerships

Coverage for any type of dealership or service & repair business. We also issue dealer bonds to keep you compliant with state and licensing requirements.

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🏗️

Builders Risk

We cover renovation projects and new construction, whether the work is cosmetic or structural. Protect the project from the ground up until it's turned over.

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⚖️

Law Firms

Professional liability (errors & omissions) written to protect attorneys and their practice, alongside the general liability and property coverage every firm needs.

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🚛

Trucking

Commercial auto, cargo, motor truck liability, and physical damage coverage for owner-operators, fleets, and long-haul carriers. We know DOT compliance inside and out.

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🧸

Daycares

General liability, property, and workers' comp for childcare centers and in-home daycares. Built around the specific exposures of caring for kids.

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Coverage Types Explained

What the Terms
Actually Mean

A quick guide to the lines of business you'll hear us talk about, explained in plain English.

General Liability

The foundation of every business policy.

General Liability protects your business from third-party bodily injury, property damage, and personal injury claims that arise from your operations, your premises, or your products.

Hover the glowing dots to see real examples
Slip & Fall Covers medical bills and injury claims if a guest slips on a wet floor, trips on a mat, or falls on an unsafe surface on your premises.
Products Liability Protects you if something you served or sold food, a drink, or a product causes illness or injury to a customer.
Bodily Injury to a Guest Pays for third-party injuries that happen because of your operations, like a guest being burned by spilled coffee or hit by a dropped tray.
Advertising Injury Covers claims of libel, slander, copyright infringement, or misleading advertising that arise from your signage, menus, or marketing.
Premises Hazard Pays for third-party injuries caused by hazards inside your space, like a falling light fixture, a loose handrail, or unsafe lighting.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage.

Commercial Property

Covers the physical things your business owns.

Commercial Property Insurance protects the building you own or lease and everything inside inventory, equipment, furniture, signage, and tenant improvements. If a covered loss like fire, wind, theft, or vandalism happens, the policy pays to repair or replace what was lost.

Hover the glowing dots to see what's typically covered
Building Coverage Pays to repair or rebuild the structure itself walls, roof, floors, permanent fixtures, and built-in systems if it's damaged by a covered cause of loss.
Business Personal Property Covers the contents of your business inventory, furniture, equipment, computers, tools, and supplies owned by you or in your care.
Outdoor Signs Specifically protects your exterior signage, often with its own sublimit. Wind, vandalism, vehicle impact, and storms can all damage signs.
Tenant Improvements & Betterments If you lease your space, this covers build-outs you've paid for counters, flooring, lighting, and interior finishes you installed but don't legally own.
Equipment & Systems HVAC, electrical, and permanent equipment attached to the building are generally part of Building Coverage. Equipment Breakdown can be added for mechanical/electrical failure.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage. Settlement (ACV vs Replacement Cost), form (Basic, Broad, or Special), and sublimits all affect what actually pays at claim time.

Commercial Umbrella

More than extra limits, and it only covers what your agent explicitly schedules.

A Commercial Umbrella extends above your primary liability limits. When a covered claim burns through your General Liability, Commercial Auto, or Employers Liability, the umbrella steps in for the remainder. Most umbrellas are follow-form, meaning they adopt the same terms and conditions as the underlying policy. A commercial umbrella is not the same as excess liability, and it does not automatically sit on top of every policy you own. Your agent has to schedule each underlying policy for the umbrella to cover it.

Hover the glowing dots to understand how umbrella works in practice
Underlying Limits Must Exhaust First The umbrella only activates after the primary policy's limit is fully used. A $3M claim hits GL first. GL pays its $1M. The umbrella covers the remaining $2M.
What Follow Form Means A follow-form umbrella borrows the same terms, conditions, and definitions as the underlying policy it sits above. If the GL covers it, the umbrella covers the overflow too.
Not Scheduled Means Not Covered Policies not listed as scheduled underlyings, like Cyber or Professional Liability, do not get umbrella protection. Your agent must explicitly add them to the schedule.
Umbrella vs. Excess Liability A commercial umbrella is follow-form and can sit on multiple underlying policies. Excess liability just stacks limits on one specific policy and uses its own form, which is often narrower.
How the Claim Actually Resolves GL pays its $1M limit first. The umbrella then covers the remaining $2M. Without the umbrella, that $2M gap comes out of your business assets.

Terms, conditions, and exclusions vary by carrier and form. Follow-form provisions and drop-down language differ by policy. Always review your schedule of underlying insurance with your agent to confirm coverage applies where you expect it.

Commercial Auto

Liability and physical damage for business-use vehicles.

Commercial Auto is written on any vehicle owned or used by a business service vans, delivery trucks, company cars, contractor pickups. Personal auto policies almost always exclude business use, which is why a proper commercial auto policy is critical.

Hover the glowing dots to see what each coverage does
Liability Covers bodily injury and property damage you cause to someone else while operating a business vehicle from a fender bender in a parking lot to a serious at-fault collision.
Physical Damage Collision and comprehensive coverage for the business vehicle itself repairs or replacement if it's damaged in a crash, by weather, theft, vandalism, or hitting something on the road.
Hired & Non-Owned Auto Extends your liability to rented vehicles and employee-owned cars used on company business. Critical if your team ever runs errands in their own car or rents trucks for jobs.
Medical Payments Pays medical bills for the driver and passengers in your vehicle after an accident regardless of who was at fault. Kicks in quickly, without a fight over liability.
Cargo Coverage (side note) Commercial auto doesn't cover the goods inside. If you're hauling freight, inventory, tools, or customer property, add Motor Truck Cargo or Inland Marine to protect what's in the truck.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage. Symbol selection (1, 7, 8, 9) drives who and what is covered we'll help you pick the right one.

Workers' Compensation

State by state. Not one-size-fits-all.

Workers' Comp is state-mandated coverage that pays medical bills, lost wages, and rehab costs when an employee is hurt on the job. What most business owners miss: you must list every state where you have employees, monopolistic states play by entirely different rules, and the policy's two parts carry very different limits.

Hover the glowing dots to understand how WC really works
Specify Every State Your WC policy must list every state where employees work. Hire in an unlisted state and you have zero coverage there even if that state legally requires it.
Monopolistic States Ohio, Washington, North Dakota & Wyoming don't allow private WC insurers. You must buy from the state fund and add a "Stop Gap" endorsement to get Employer's Liability coverage there.
Part One Statutory Limits No fixed dollar cap. Whatever your state's law requires, the carrier pays medical, wage replacement, rehab, death benefits. The statute defines it all, and it varies by state.
Part Two Employer's Liability Covers lawsuits where an employee claims your negligence worsened the injury. Standard limits are $100K / $500K / $100K but high-risk industries routinely buy $500K or $1M EL.
No-Fault by Design An injured employee doesn't need to prove anyone was negligent. They file a claim, the carrier pays medical and wage benefits, and your business is shielded from most injury lawsuits.

Terms, conditions, and exclusions may vary by policy and carrier. Monopolistic state rules are subject to legislative change. The examples above are for informational purposes only and do not guarantee coverage.

Inland Marine

Coverage for property that moves — on job sites, in trucks, anywhere.

Despite the name, Inland Marine has nothing to do with boats. It covers business property that isn't fixed to one location: contractor tools and equipment on a job site, goods in transit, and specialty items that travel. Unlike a BOP or commercial property policy, Inland Marine goes wherever your stuff goes.

Hover the glowing dots to understand how Inland Marine works
Unscheduled Tools (Under $1,000) Small tools like hammers, drills, and hand tools are typically covered as a blanket unscheduled amount. Most carriers set the threshold around $1,000 — anything under that is covered without being listed individually.
Scheduled Equipment (Over $1,000) High-value machinery like excavators, forklifts, power washers, and generators must be individually listed on the policy with a serial number and agreed value. If it's not on the schedule, it's not covered.
Basic, Broad, or Special Form — Plus Valuation Like commercial property, you choose your cause-of-loss form: Basic covers only named perils; Special form covers all risks unless excluded. You also choose valuation: ACV deducts depreciation, RCV pays full replacement cost, and Stated Value is what you and the carrier agree on upfront.
Goods in Transit — Coverage That Travels Unlike a BOP or commercial property policy tied to a fixed address, Inland Marine covers equipment between job sites, tools in your truck, and inventory while it's moving. Coverage goes where your business goes.
Not Just for Contractors Inland Marine works for any business with valuable property on the move. Churches hauling audio equipment, photographers carrying gear, event companies transporting staging, medical providers with mobile equipment — if your assets travel, Inland Marine may be the right fit.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage.

Cyber Liability

Protection against threats that are often completely out of your control.

Cyber Liability covers the financial fallout of a data breach, ransomware attack, or cyber incident — including expensive legal fees, forensic investigation, credit monitoring for affected customers, and business income loss while you recover. Any business that accepts payments, stores customer data, or uses email is exposed. That is essentially every business.

Hover the glowing dots to see how cyber threats show up in real businesses
Customer Payment Data Breach Every card swipe and tap is a potential exposure point. If your POS system is compromised, customer card data and personal information can be stolen — triggering notification requirements, legal claims, and regulatory fines even if you had no idea it was happening.
Phishing Attacks & Wire Fraud Phishing emails are the most common entry point for cyber incidents. One staff member clicks a malicious link, credentials get stolen, and attackers access your systems — often without anyone knowing until the damage is done. No industry is immune.
Traditional Businesses Are Just as Exposed You don't need to be a tech company to face cyber risk. Coffee shops, restaurants, contractors, salons — any business that handles card payments, stores customer emails, or uses cloud software is a target. Cybercriminals don't discriminate by industry.
Ransomware & System Lockdown Ransomware encrypts your files and demands payment to restore access. Recovery can take weeks and cost tens of thousands. Cyber insurance covers the ransom payment, forensic response, and business income lost while your systems are down.
What the Policy Actually Covers Cyber covers both first-party losses (your downtime, ransom, forensic costs, income loss) and third-party claims (lawsuits from customers whose data was exposed). Most policies bundle both sides, plus credit monitoring for affected individuals and regulatory defense.

Terms, conditions, and exclusions may vary by policy and carrier. The examples above are for informational purposes only and do not guarantee coverage.

Professional Liability (E&O)

When a mistake in your work leads to a lawsuit.

Also called Errors & Omissions, Professional Liability protects service-based businesses from claims of negligence, missed deadlines, bad advice, or failure to deliver promised services. General Liability doesn't cover this if your work is what causes the loss, you need E&O.

Covers

Defense costs, settlements, and judgments related to claims that your professional services caused a client financial harm regardless of whether you actually made a mistake.

Essential for

  • Attorneys, accountants, consultants
  • Tech companies & software developers
  • Real estate agents & brokers
  • Architects, engineers, designers
Our Clients

Kansas City businesses that trust us.

We're proud to protect local KC businesses. Here are some of the great people we work with.

"Friendly, knowledgeable staff and excellent customer service. Highly recommend!"

Andres Rangel Owner, Rangel's Stucco & Stone · Kansas City

"Our real-estate holding company requires many EOI's and the team at Conexion takes that admin work off our hands."

Nelson Umana Owner, Heartland KC Holdings LLC · Kansas City

"Conexion has been very helpful with our contracting business. They're responsive and are always happy to help."

Aaron Jobe Owner, Wall Builders LLC · Kansas City

A local KC business insured with Conexion? Let us feature you here.

Google Reviews

Clients save an average of $1,200/year

We take pride in being there for our community every step of the way.

From the Blog

Insurance insights worth reading.

All posts
Food & Beverage

Food Truck & Food Trailer Insurance in Kansas City What Most Carriers Won’t Tell You

Why most carriers won’t touch mobile food operations and the inland marine gap that leaves food trailer owners uninsured.

Apr 20, 2026  ·  6 min read Read →

More posts coming soon

Coverage guides, local insights, and industry breakdowns for Kansas City businesses.

More posts coming soon

Coverage guides, local insights, and industry breakdowns for Kansas City businesses.

Got Questions?

Frequently
asked questions.

If you don't see your question here, just text or WhatsApp us. We respond fast.

If it can be insured, we can probably find a market for it. While we handle the standard stuff — home, auto, and life — we actually enjoy the "weird" stuff that big call centers won't touch, like high-value homes, construction crews, and even escape rooms. Think of us as your one-stop shop; if you're not sure whether we cover it, just text us and ask.
Our office is at 6000 Leavenworth Road, Suite N, Kansas City, Kansas 66104. You can also reach us by phone, text, or WhatsApp at 913-490-9050, or by email at contact@conexionins.com. We are licensed and serve clients across Kansas, Missouri, Texas, and multiple other states.
Yes, absolutely. We don't judge and we don't turn people away based on paperwork. We have specific carriers that work with clients who don't have a traditional US license. It's a common situation in our community, and we know exactly how to handle the filing so you can get on the road legally.
Nope — don't stay in a bad relationship with your insurance. You can switch at any time, and you're usually entitled to a pro-rated refund from your old carrier. If you're frustrated with your current agent's slow response times, let us handle the "breakup" paperwork for you so you can start getting better service today.
Because a 1-800 number isn't going to fight for you during a claim. When you buy direct, you're just a policy number in a database. If your rates spike next year, GEICO isn't going to tell you that Progressive is cheaper — but we will. We shop 50+ carriers for you, so you get the best price without having to do the legwork yourself every year.
Clicking "Buy" is easy — getting a claim paid is the hard part. We see business owners all the time who bought a "cheap" policy online only to find out their specific work was buried in the exclusions. We give you that same three-click speed, but with a real person (like Elis or Ivette) actually looking at your policy to make sure it's not just a piece of paper, but real protection.
Everyone has to start somewhere. Whether you're a first-time driver or just starting your first business, we won't penalize you for being new. We work with specialized carriers that specifically welcome first-time buyers without charging "penalty" rates.
Yes. If you are not happy with your current broker, we make it easy to transfer your existing policy to us without having to redo or rewrite anything. You keep your coverage, and we take over the service. Click here to start the transfer with a quick e-signed Agent of Record form.

Not sure where
to start?

Contact us for assistance.

Call 913-490-9050
Monica — Conexion AI Agent

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