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The Solution To Your Insurance Needs

Providing a variety of personal insurance, drought insurance, business insurance, and employee benefits solutions throughout Missouri and Arkansas is what Ozark Hills Insurance does best.

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As an independent agency, we are here to help you find the right coverage.

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What Makes Our Independent Agency Different?

Our name has come to represent the best in the business.

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How

Ozark Hills Insurance

At Ozark Hills Insurance, we offer you the best of both worlds by giving you hometown, personal service, and the ability to shop many providers, not just policies. We strive to protect our clients by providing top insurance policies at the most affordable price while maintaining industry-leading customer service.

As an experienced independent insurance agent, it is our responsibility to represent your interest, not the limited interest of just one insurance company. Because of this, we are able to offer you many more opportunities for substantial savings, customized choices, and a level of service simply not found with a single company.

We proudly offer free insurance consultations to potential and current clients. Give us your problem, and we will research solutions and present you with options and help every step of the way. We look forward to helping you find the ideal insurance package to fit your needs today and in the future. Read more about us!

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The Advantage of an Independent Agency

Being an independent agency offers many benefits when serving you locally.

Choice

We represent some of the industry’s top-notch insurance companies to give you the power of choice in coverage.

Expertise

We help find you the most appropriate coverage at an affordable rate based on your individual risks and exposures.

Service

We advocate on your behalf and help you receive quicker payments through claims because we know you need it.

Our Insurance Specialties

We specialize in a variety of coverage options to meet your unique insurance needs.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Drought Insurance

Helping to identify your risks to protect you from a lack of resources.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Drought Insurance

Helping to identify your risks to protect you from a lack of resources.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Four Convenient Locations

We have four convenient locations to better serve our customers.

West Plains, MO

800-303-7736

Mountain Home, AR

870-425-4444

Gainesville, MO

417-679-3331

Thayer, MO

417-264-7714

Real clients. Real reviews. Real coverage.

“The whole team works well together. I received the best home quote by far from Ozark Hills. I highly recommend them to anyone. Give them a chance to save you money too!”

– Stephen E.
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What Makes Ozark Hills Insurance Stand Out

Here’s what sets us apart when it comes to serving your insurance needs.

We Are Locally Involved

We happily support the local community through volunteering and charitable contributions.

We Prioritize Customers

We are driven by the customer comes first philosophy and strive to live up to that daily.

We Are Experienced Agents

We will research solutions to minimize your individual risks and customize policies to your need.

Interactive Graphic

Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Farm
ATV / Utility Vehicles
Risk Factor

Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.

Solution

If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.

Products Liability Exposure
Risk Factor

Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.

Solution

To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.

Foreign Object Ingestion Coverage
Risk Factor

Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.

Solution

Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.

Coverage for Peak Season
Risk Factor

During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is on-site, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.

Solution

Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.

Pollution
Risk Factor

Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff, and above ground or underground storage tanks.

Solution

It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.

Umbrella
Risk Factor

What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.

Care, Custody, and Control
Risk Factor

If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.

Solution

To protect yourself and your farm from this type of risk, add care, custody, and control to your insurance policy as an endorsement.

Custom Farming / Business Activity
Risk Factor

Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.

Solution

To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.

Field Crops
Risk Factor

There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?

Solution

You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.

Property
Risk Factor

If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.

Solution

Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.

Glass Coverage
Risk Factor

If your tractor, combine, harvester, or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.

Solution

Be sure you have coverage to help pay for repairs or other service work for broken glass.

Farm Insurance 101

Make sure you cover the unique risks you face with farm insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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