Updates

  • Plumbing ContractorsOctober 19, 2017

    Barton Mutual can write a policy for contractors doing plumbing work. We can write liability coverage, including coverage for any underground work you do. Tools and scheduled machinery can also be added, as well as an installation floater (if needed). Contact a local agent today to get a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Carpet & Rug CleanersOctober 09, 2017

    Carpet and rug cleaning contractors may sometimes struggle to find the right insurance program. Barton can provide liability coverage for such contractors. Coverage can also be provided for any tools or any equipment you may have for your business. Contact a local agent today for a quote!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Fire Prevention WeekOctober 02, 2017

    Does everyone in your family know what to do if your home catches fire while you are inside? What will you and your co-workers do if your workplace begins to burn? October 8-14 has been designated as Fire Prevention Week. This is a good reminder to make a plan for your family and co-workers and to schedule fire drills to practice those plans. The National Fire Protection Association (NFPA) has several good resources on their website for planning; use this link to find ideas and materials for protecting your loved ones.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • HVAC ContractorsAugust 07, 2017

    You may have noticed the summer heat is upon us. When temperatures rise to triple digits, HVAC contractors stay busy servicing air conditioning systems and making repairs. If you are such a contractor, Barton can write liability coverage for you, as well as cover your equipment and tools. If you need coverage for any equipment, materials or supplies that will become a permanent part of the job you are working on, we can add that. We can even provide Loss Due to Testing for those systems you install. Contact an agent in your area for a quote today.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Boat Dock Electrical SafetyJuly 24, 2017

    According to Ameren Missouri and Missouri Electrical Cooperatives, you should have your boat dock and power supply inspected by a qualified electrician on a regular basis. Water movement, weather and normal wear and tear can cause problems with the electrical system on the dock. If you are swimming near a dock and feel any kind of tingle or shock, immediately swim away from the dock and exit the water. It’s always better to be safe than sorry: schedule a regular check of your dock’s electrical system and stick to it. Ameren Missouri recommends ground fault circuit interrupter (GFCI) and bonding wires testing monthly. For additional information on dock electrical safety, you can contact your local fire district or visit SafeAtTheLake.com.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Equipment Breakdown CoverageJuly 13, 2017

    Our Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that is otherwise excluded. This coverage is only available on certain policy types. See your agent or call our Customer Service department at x451 for details.

    This coverage can protect you against loss of your electrical or mechanical equipment due to breakdown or failure. Now you can have protection for situations such as:

    • Your air conditioning unit experiencing a mechanical breakdown mid-heat wave
    • Your commercial refrigerator having a power surge on a hot day
    • Your computer system having an electrical breakdown

    Included with this coverage is our green equipment breakdown endorsement, which gives you incentive to repair or replace damaged property in an environmentally friendly way. When you experience a loss of mechanical, electrical or pressure equipment, you’ll have the opportunity to go green.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • ConcessionairesJune 23, 2017

    It’s time to gear up for county fairs and town festivals. If you sell food products or other items at these types of events, we can provide coverage. We can write liability coverage to include products and completed operations, as well as providing property coverage on portable concession trailers or other items taken to events. If you are looking for this type of coverage, please contact a local agent for a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Organizing Your Insurance InformationJune 16, 2017

    The Missouri Department of Insurance created an app to help consumers organize their insurance information for their home, auto, health and life insurance coverages. You can get it through the Google Play or Apple App stores. It is called Mo2Go. For more information or links to download the app, go to http://insurance.mo.gov/mo2go/.

    All Updates

  • Storm SeasonApril 12, 2017

    In the Midwest, we are more than familiar with severe weather. Be sure you are covered in case of an unexpected loss. Contact your agent today to make sure your policy contains the coverage you need for your belongings. Be sure to evaluate your need for Additional Living Costs coverage. That coverage will cover additional expenses you may incur if you are forced to find a new place to live temporarily if your residence is damaged by a covered loss.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • BakeriesApril 05, 2017

    Freshly baked bread, cupcakes and other delectable desserts can be found at many local bakeries. If you own such a shop of tasty treats, Barton Mutual can write property and liability coverage for you. Coverage is available for food spoilage as well as for equipment breakdown. Contact a local agent for a quote today.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Insurance CheckMarch 28, 2017

    It is a good idea to periodically (at least annually) assess how your insurance coverage compares to what you own or rent to and from others. A call to your insurance agent can assist in determining if you have adequate coverage. Be sure to mention what has changed since your policy was issued.

    Some changes are significant and can affect your coverage, so be sure and discuss any changes you have made. Adding or removing wood heat, other adults living in the home, renovations and purchases are examples of things you should discuss with your agent. Please don’t wait for a claim to happen before you contact your agent.

    Also consider an annual update to your personal inventory to be sure you have a current list of all your belongings. If you don’t already have a list, you can download a PDF file or order a hard copy booklet for tracking your home inventory from the Missouri Department of Insurance.

    The National Association of Insurance Commissioners (NAIC) has also developed an app for home inventory lists that tech savvy consumers may find preferable to keeping a written list:

    iPhone users:

    Android users:

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Smoke AlarmsMarch 13, 2017

    When we change our clocks, many recommend changing your smoke alarm batteries. If your smoke alarms use alkaline batteries, you should change them once a year. If your smoke alarm is more than 10 years old, you should replace it! Be sure to test your smoke alarms every month. The U.S. Fire Administration recommends putting a smoke alarm in every bedroom of your home. You should also check for local building codes or ordinances concerning placement of smoke alarms. For more information and materials to download, visit the USFA website.

    All Updates

  • Lawn Care and LandscapingMarch 06, 2017

    Do you own a lawn care/landscape contracting business? Barton can write liability coverage for your business, as well as cover your equipment on a blanket or a scheduled basis. Coverage is also available for the application of pesticides or herbicides by endorsement. Contact a local agent today for a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Missourians Should Prepare for Severe WeatherFebruary 22, 2017

    Content taken from a news release from the Missouri Department of Insurance. Used with permission.

    Missourians know that tornadoes, floods, damaging wind and hail are common to the Show-Me State. What many Missourians may not know is that consumers can and should do more to prepare for any potential financial losses that often result from severe weather.

    The Missouri Department of Insurance encourages consumers to be prepared during storm season and to understand their insurance products and how they work. This understanding will help consumers know how to respond if weather damages their home or property.

    The department offers these tips for consumers to be prepared.

    1. Download the Mo2Go Wallet App onto your smartphone.

    The department developed this tool so that Missourians can store all of their insurance information on their smartphone. This way when it comes time to file a claim, you will have the necessary information on hand to make the process smoother.

    2. Review your coverage with your company

    Many insurance companies reach out to clients for a yearly review. Take them up on it. If your company does not do this, be proactive and arrange an appointment. Your agent can provide important information regarding your policy and the financial protection needed for your property.

    Read your insurance policy and take notes. Bring notes and any questions about confusing policy language with you to a meeting with your insurance agent. They can discuss elements of your policy that are often misunderstood. Other helpful questions to ask, include

    • What is my deductible?
    • Is the deductible the same for all perils?
    • Is my roof deductible separate from other coverage deductibles?
    • Is a reported loss for which no payment is made recorded on my loss history?

    A review is also an excellent chance to make sure your property is neither underinsured nor improperly insured. Have a trusted builder provide a full replacement cost estimate of your home and compare it to the company’s estimate.

    Finally, ask your agent about earthquake coverage, particularly if you live in southeast Missouri.

    3. Have a rainy day fund for rainy days

    Insurance is for sudden, catastrophic loss and no policy covers every potential loss. You retain responsibility for risk even when you are properly insured. Therefore, it is important to remember that in addition to your insurance policy, you may also want to set money aside as a cushion in case you experience a loss not covered by your policy.

    4. Know what you have

    Take time to catalogue your possessions. After a loss, the insurance company will require an itemized list of all loss items. In the days and months following a catastrophe, it can be difficult to compile this list. The Missouri Department of Insurance recommends the National Association of Insurance Commissioners’ app MyHome Scr.APP.book. The app allows you to make an itemized and indexed list of your belongings. To get started, try to inventory one room a week. Once you have them all recorded, don’t forget to periodically update your list. The department also offers a free home inventory booklet consumers can print online or get sent to their homes.

    5. Anywhere it rains, it can flood

    Flood damage is not covered by basic homeowners and other residential policies. If you live in an area prone to flooding you will need to buy a flood insurance policy through either your agent or the National Flood Insurance Program to cover flood related damages.

    6. Consider earthquake coverage

    Missourians are susceptible to earthquakes due to the state’s proximity to the New Madrid Seismic Zone yet more than a half million Missourians are at risk because of the contracting earthquake insurance market.

    Earthquake coverage is not included on most homeowners’ insurance policies. It must be purchased as separate coverage, called an “endorsement.” This type of insurance requires that the earthquake is the direct cause of damage to the property.

    The department recently released a supplement to the 2015 Earthquake Report that indicates the percentage of residents with earthquake coverage in the New Madrid area dropped two percentage points between 2014 and 2015. More than 60 percent of homes in the New Madrid area had earthquake insurance coverage in 2000. But by 2015, that number plummeted to less than 18 percent.

    To help Missourians find coverage, the department provides an online list of insurance companies that offer earthquake insurance. The department also debunks common earthquake insurance myths in a video aimed to educate Missourians about coverage.

    7. Risk management

    Many people assume that having insurance means they can relax their risk diligence. Not true. Here are two further tips for before and after a storm:

    • Take stock of your property to look for ways to protect your home, such as clearing your yard of debris, closing patio umbrellas and ensuring all outdoor furniture and shutters are properly secured.
    • Beware of fraudsters offering their services after a storm. Ask for references, licenses, permits, and bonding. All certificates of insurance should be provided to you by an agent, not a service provider.

    If consumers have insurance related questions or would like to know more about what to ask an agent, they can call the department’s Insurance Consumer Hotline at 800-726-7390 or visit insurance.mo.gov.

    All Updates

  • Protection Against Equipment BreakdownFebruary 08, 2017

    The following was taken from a newsletter from Mutual Boiler Re and was used with permission.

    More than 60% of all equipment breakdown losses are attributed to electrical breakdown. Electrical power surge is responsible for the majority of electrical breakdown losses. Protection against power quality issues is essential to preventing these types of losses. Below are resources to help prevent electrical damage to critical equipment and property.

    Barton Mutual offers Equipment Breakdown coverage on Homeowner, Farmowner, Mobile Homeowner, Rental, Seasonal, Commercial and Businessowner policies for only $25 annually per policy. If you don’t already have this valuable coverage added to your policy, contact your agent today.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Space HeatersJanuary 27, 2017

    According to the National Fire Protection Association (NFPA), “space heaters, whether portable or stationary, account for two of every five (40%) home heating fires and four out of five (84%) home heating fire deaths.” If you must use a space heater, please refer to the following safety guidelines provided by Sylvane:

    1. Look for a heater that has overheat and tip-over protection.
    2. Read the manufacturer’s instructions for use before you operate the heater.
    3. Choose a heater that will heat the area you need to cover. Don’t get one too small or too large.
    4. Look for safety certifications: Nationally Recognized Testing Laboratories (NRTLs), Underwriters Laboratories (UL), Canadian Standards Association (CSA), and Intertek Group (ETL).
    5. Always observe the manufacturer’s guidelines for clearances around the heater, but as a general rule, three feet is a good distance.
    6. Keep flammable materials away from the heater.
    7. Use a wall outlet with sufficient power capacity. Avoid extension cords for any portable heaters.
    8. Regularly clean and check the heater.
    9. Shut off the heater and unplug it if you are not using it or if you leave the room where it is being used.
    10. Some heaters may be designed to work in damp areas, but most are not. Avoid using the heater in bathrooms or humid areas. Never touch the heater with wet hands.

    The NFPA developed the tips below for winter heating safety:

    WinterFreeze

    All Updates

  • Winter Storm GuidanceJanuary 13, 2017

    Content taken from a news release from the Missouri Department of Insurance. Used with permission.

    Insurance is not always the first thing to come to mind when preparing for an ice storm, but it may prove vital in the storm’s aftermath.

    “It is important for Missourians affected by the ice storm this weekend to perform a thorough survey of their property, document and photograph any damage and contact their insurance agent or company to begin the repair process,” said John M. Huff, Director of the Missouri Department of Insurance. “The sooner homeowners contact their insurance agent or company following damage, the better.”

    Some additional points to consider:

    What coverage is available for debris removal, power outages, frozen water pipes, water damage due to the breakage of frozen pipes, and the weight of ice and snow causing a roof, porch, or deck to collapse?

    • Debris removal for trees: Generally speaking, a homeowners’ insurance provides some coverage for the removal of trees from the premises if the tree damages your home or other insured property. That coverage includes removing a neighbor’s tree that fell on your property. It doesn’t matter who owns the tree, just that it causes damage to an insured building or fence. Some insurance companies place a limit on the amount of coverage for tree removal, for instance, $500. Check with your insurance company for more information.
    • Power outages: The typical homeowners policy excludes from coverage damage from power outages unless they result directly from covered “perils” (wind, hail, lightning, etc.). For example, if lightning strikes the house and causes a power interruption, the consequent spoilage of food in a freezer is covered.
    • Frozen water pipes: The typical policy covers repair of frozen pipes and the damage they cause. An exception can occur when the dwelling is vacant or under construction unless you use reasonable care to a) maintain heat in the building or b) shut off the water supply and drain the system and appliances of water.
    • Weight of ice and snow causing roof, porch, deck to collapse: The typical homeowners policy covers damage involving collapse of an insured building or any of its parts caused by the weight of ice, snow or sleet.

    What coverage must I have on my auto policy to cover repairs if ice fell on it and damaged it?

    Comprehensive coverage will pay for ice falling on the auto.

    Does a vehicle’s owner have responsibility for ice falling off a vehicle and damaging the car behind it? Does the vehicle owner have any duty to clean off the vehicle before it is driven down the highway?

    Generally, owners whose cars are damaged file these claims under their comprehensive or collision coverage, depending on the circumstances.

    What if my tree branch fell on my neighbor’s house and caused damage? Is my neighbor responsible, or do I make a claim on under my homeowners policy?

    In most circumstances, your neighbor would file a claim under his or her insurance policy. Your homeowners policy covers your home, not the neighbor’s. The same applies to costs for removal of debris or repairs for an auto damaged by falling branches: the owner of the property damaged should file the claim, not the owner of the tree. Comprehensive coverage will cover cars damaged by falling trees. If your tree was dead or diseased and you are accused of negligence for not removing the tree earlier, assigning responsibility for the damage is more complicated, and you should consult your agent.

    What is my duty to make temporary repairs?

    Protect the property from further damage. If repairs to the property are required, you must make reasonable and necessary repairs to protect the property and keep an accurate record of repair expenses. Prepare an inventory of damaged personal property showing the quantity, description, date of purchase, actual cash value and amount of loss. Attach all bills, receipts and related documents that justify the figures in the inventory. If you do not take reasonable steps to stop damage from spreading and do not prove your costs for making temporary repairs, the insurer may reduce the settlement or deny the claim. If your claim is not covered, this documentation is valuable when you file your income tax return, which provides for deductions based on property losses. Furthermore, if you live in a federal disaster area, you may qualify for reimbursement for uninsured losses.

    If I lose power due to the ice storm, is food spoilage covered under my homeowners policy?

    Usually, most homeowners’ insurance policies will cover at least $500 for the loss of food when there has been a power outage due to an ice storm. The actual coverage will vary by insurance company and in some cases, the coverage may not be automatically included. Food spoilage coverage may only be available if you purchase an optional endorsement for an additional premium. Again, check with your insurance agent for additional information.

    For more information on insurance and winter storm damage, visit the Winter Storm section of the department’s website at insurance.mo.gov or contact the department’s Insurance Consumer Hotline at 1-800-726-7390.

    All Updates

  • Furniture StoresJanuary 09, 2017

    Do you own a furniture store? Barton Mutual can cover both your building and your business contents, as well as provide liability coverage. Contact a local agent to get a quote today.

    All Updates

  • Winter Power OutageDecember 30, 2016

    During the winter, ice and storms can lead to power outage. A summary of recommendations from the American Red Cross on preparing for power outages is below. View the entire list on their website.

    • Keep coolers around to move perishable food when a power outage lasts over two hours. You could also put ice inside your refrigerator/freezer to help prolong the life of the food.
    • Consider an emergency preparedness kit. Items like water, food, batteries, first aid kits, personal hygiene items and cash are good additions. Don’t forget to keep a can of gasoline around in case you need it for your vehicle. Keep tanks full in the winter to keep the fuel line from freezing.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Snow Removal ContractorsDecember 13, 2016

    Winter weather will be upon us in no time. Do you do snow removal work during the winter months? Barton Mutual can write liability coverage for contractors and cover your equipment, though we do not cover autos or losses arising from autos. If you need insurance for your small business, contact a local agent for a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Home Maintenance TipsDecember 05, 2016

    According to an article from Mutual Boiler Re, relatively easy maintenance can be performed on some items in your home to help prevent breakdowns. The top five items are listed below. Please consult Mutual Boiler Re’s full article for more details and tips.

    1. Install a surge protection device on all electronics in your home: computer, TV, gaming systems, etc.
    2. Keep debris and other items away from your outdoor air conditioning unit.
    3. Clean and dust your refrigerator. Be sure to blow dust off the coils, the compressor and any electronic components.
    4. Clear the vents of your clothes dryer.
    5. Drain your hot water heater once a year to drain out particles and build up.

    By doing routine, annual maintenance you not only may be able to avoid breakdowns, but you are likely to extend the life of your appliances.

    All Updates

  • Tailors/DressmakersNovember 21, 2016

    Barton Mutual is able to write tailors and dressmakers, as well as custom alteration shops. We can write the property and the liability coverage, including products and completed operations liability coverage. If you run a business doing this type of work, we would love to help you with your insurance needs! Contact a local agent for a quote today.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Proper Coverage for Winter PerilsNovember 07, 2016

    Are you properly covered for damage resulting from winter storms? Heavy snowfall, cold temperatures, and ice accumulation can cause significant damage to your property. Losses can include collapse of a structure due to the weight of ice, sleet, and snow; frozen pipes; trees on houses due to ice covered limbs; and loss of refrigerated food due to power outages. Most basic policies will not cover all of these types of losses, although endorsements may be available to add coverage. You should check with your agent to make sure you are properly covered before Old Man Winter strikes.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Heating SmartsOctober 17, 2016

    As the weather turns cooler across Missouri, many residents will begin using various sources of heating, including space heaters and wood stoves. As you make the switch to heat in your home, please be as cautious as possible. The American Red Cross has provided a fact sheet on their website about the fire risks associated with home heating and ways you can help prevent such fires. Please be heat smart this winter as you keep your family warm and cozy.

    All Updates

  • Know the Risks of the Sharing EconomyOctober 10, 2016

    Do you have a seasonal condo you rent out when you aren’t using it? Do you drive for a service like Uber or Lyft? You should be sure your insurance coverage is adequate to cover such ventures. The Missouri Department of Insurance has some tips for those who participate in the vibrant sharing economy. Always make sure you are properly covered for any new ventures you may want to pursue! If you aren’t sure what your Barton Mutual policy covers, contact our claims department at 417-843-6265 x450.

    All Updates

  • Protect Your AppliancesOctober 03, 2016

    Barton Mutual’s Equipment Breakdown coverage broadens your policy and covers against loss by mechanical or electrical breakdown that is otherwise excluded. The infographic below was provided by Mutual Boiler Re and explains why you might want to carry Equipment Breakdown coverage to protect your valuable appliances.

    This coverage is only available on certain policy types. See your agent or call our Customer Service department at x451 for details.

    All Updates

  • Convenience StoresSeptember 26, 2016

    Barton Mutual can provide coverage for convenience stores. We do require that the store have fuel sales in order to write the property coverages. We can also cover the canopy, above-ground fuel tanks, gas pumps and any outdoor signs.

    For those convenience stores that also prepare and sell food, we have the flexibility to insure them as well, though we may require an extinguishing system in the kitchen area depending on the type of cooking and the food sold. Contact a local agent for a quote for your convenience store.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Have You Checked Your Credit Report?September 19, 2016

    As a consumer, you have a right to view your credit report from each of the three credit reporting agencies (Experian, TransUnion and Equifax) each year. Visit annualcreditreport.com to request the free report. You will have to pay to receive your credit score. It is important to review your report to verify that the credit information reported is accurate. Your credit report can affect your ability to finance items like houses and cars, and it can even affect your potential employment or your insurance rates. For more information on requesting the report, along with instructions for what you can do if you find errors, visit the Federal Trade Commission website.

    All Updates

  • ChurchesSeptember 12, 2016

    Do you need property or liability coverage for your small church or other house of worship? Barton Mutual offers property coverage and can provide liability coverage both on premises and off when you host events or activities. We can also write pastoral liability. Contact one of our licensed agents in your area for a quote today.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • National Preparedness MonthSeptember 06, 2016

    September is National Preparedness Month. Visit http://www.ready.gov/september to see the recommended plans for the month. It never hurts to have a plan for when disaster strikes at home, at work or on the go. Pass the word to your friends and take action for your own family.

    All Updates

  • Review Back-to-School Insurance NeedsAugust 09, 2016

    Content taken from a news release from the Missouri Department of Insurance. Used with permission.

    As students prepare to return to school, the Missouri Department of Insurance encourages students and parents to review their insurance policies as a part of their back-to-school to-do-list.

    “When students leave home for college, this can affect their insurance coverage,” said John M. Huff, Director of the Missouri Department of Insurance. “It’s important that students and parents discuss their insurance policy to understand what is covered when students are away from home.”

    Leaving home can significantly change a student’s insurance needs. For example their belongings may no longer be covered under their parent’s homeowners insurance policy. It is important to speak with a knowledgeable insurance agent to make sure students have proper coverage while away at school.

    The department encourages parents and students to follow these tips to ensure they are covered:

    • Download the Mo2Go Wallet App. This allows you to store all of your insurance information on your smartphone. Users have the ability to text or email their insurance cards right from the app. In case you get pulled over, Missouri law allows drivers to show proof of insurance electronically, and this app allows you to do so. Students should have all of their insurance information on hand just in case they need to use it when they are away from home.
    • Ask your insurance agent if your student’s possessions will be covered by your homeowners policy while living on campus. Students living off campus should consider renters insurance. A landlord’s policy only covers the building, not the tenant’s possessions.
    • College students should complete an itemized checklist of their possessions called a home inventory. When filing a claim, your insurer can ask for a home inventory to see a list of your possessions before paying out a claim. The checklist can help you during the claims process in the event of a fire, storm, or theft.
    • Most young adults are able to stay on their parent’s health insurance policy until the age of 26, regardless of residency, enrollment status, marital status, or financial dependency. Students are encouraged to take copies of their insurance cards and go over their health insurance plan to know which physicians and hospitals are in-network while away at school.

    Students and parents with insurance questions can contact the department’s Insurance Consumer Hotline at 800-726-7390, or visit insurance.mo.gov.

    All Updates

  • Power Washing ContractorsJune 02, 2016

    It’s the time of the year when people are looking to get the siding on their home or their deck cleaned. Many people will hire a contractor who does power washing. If you are a contractor who does this type of work, Barton can write liability coverage for you. We can also add coverage for any tools or equipment you might need covered. Contact a local agent today for a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Boat SeasonMay 26, 2016

    According to National Underwriter magazine, recreational boat sales hit a 10-year low in 2010 after the recession of 2008. This year, boat sales are actually expected to top pre-recession levels. They also note that 95% of boats sold are 26 feet or shorter.

    If you are considering purchasing a boat or other recreational water vessel, be sure to educate yourself on the laws and regulations in your state. In Missouri, if you were born after January 1, 1984, you must pass an approved boater safety course from the state to operate a vessel on Missouri lakes. Visit https://www.boat-ed.com/missouri/ to learn about and take the online course. Even if you aren’t required to take the course, you should review the Missouri Boating Handbook if you plan to operate a vessel on any Missouri waterways.

    After you purchase a boat, make sure you are adequately covered for this exposure. Property coverage for your boat and related equipment can be added to most of our personal lines policies. Also, liability coverage is available to protect you in the event a covered lawsuit is filed against you resulting from the use of your watercraft. Contact one of our local agents for a quote today.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Indoor Lightning SafetyMay 19, 2016

    When lightning lights up a sky during a storm, the safest choice is to go indoors. While indoors, follow these tips to avoid being struck by lightning:

    • Avoid water - Do NOT bathe, shower, wash dishes, or have any other contact with water during a thunderstorm because lightning can travel through a building’s plumbing.
    • Avoid electronic equipment - Do NOT use your computers, laptops, game systems, washers, dryers, stoves, or anything connected to an electrical outlet. Lightning can travel through electrical systems, radio and television reception systems, and any metal wires or bars in concrete walls or flooring. Equip homes with whole-house surge protectors to protect appliances.
    • Avoid corded phones - Corded phones are NOT safe to use during a thunderstorm. Do NOT use them. However, it is safe to use cordless or cellular phones during a storm.
    • Avoid windows, doors, porches, and concrete - Do NOT lie on concrete floors during a thunderstorm. Also, avoid leaning on concrete walls. Lightning can travel through any metal wires or bars in concrete walls or flooring.

    Content taken from the Center for Disease Control website: http://emergency.cdc.gov/disasters/lightning/safetytips.asp.

    All Updates

  • Create a Home InventoryMay 12, 2016

    In the event of a loss, it is important you know what items were lost. If you haven’t ever done so, be sure to create a home inventory list. Barton Mutual has a form you can use to list all of your belongings. Taking photos or video of the rooms of your home is also a good idea. Focus especially on valuable items. If you have covered outbuildings, make a list of the items in them as well. We hope you never have to experience the loss of your precious belongings, but if the unthinkable does occur, having an inventory already created could be very helpful in the rebuilding process.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • General Handyman ContractorsMay 05, 2016

    Do you have a handyman business doing general repairs? Our Artisans program can provide liability coverage for you. We can also cover your tools on a blanket basis and your equipment on a scheduled or blanket basis. Contact a local agent today for a quote!​

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Protect Your BusinessApril 28, 2016

    It seems to be common knowledge that when you run a business you should insure your property and carry liability insurance. Have you ever considered how you would handle an interruption in your business operations due to a covered loss? What if your business had to close for two weeks to make repairs after a fire? Could you get by?

    Barton Mutual offers additional coverage options that can help you in just such a situation. Ask your agent about Loss of income and Extra Expense coverage. If you purchase Loss of Income coverage, you could be covered for income you might lose during the time your business is interrupted due to a covered loss. Extra Expense coverage will help you if you incur extra expenses to resume or continue your business after a covered loss. For instance, a temporary move to a new location or the cost of leasing new equipment would be covered to the extent that the expenses reduce the Loss of Income claim.

    Protect what you built and don’t let a loss destroy your business’ future.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Distracted Driving Awareness MonthApril 21, 2016

    Content taken from a news release from the Missouri Department of Insurance. Used with permission.

    The Missouri Department of Insurance reminds Missouri motorists to stay focused while driving. In recognition of April’s designation as Distracted Driving Awareness Month, the department’s MO Eyes on the Road campaign released a PSA reminding parents to engage teens in a dialogue about safety behind the wheel.

    “As our family adds a new driver onto our auto policy, we know it is critically important to be involved and discuss safe driving habits with our teen,” said Director John M. Huff. “Take advantage of the department’s web resources that highlight ways to discuss safe driving habits with your teenager and the benefits of being a good student for auto insurance coverage rates. Then, shop around your family’s auto insurance coverage in Missouri’s competitive auto insurance market.”

    According to the most recent completed data, the Missouri State Highway Patrol estimates that auto accidents caused 48,753 deaths and injuries in 2014. While those numbers are significant for all Missourians, the Center for Disease Control reports that vehicle accidents kill more teens each year than any other single cause. In 2014, young adults between the ages of 15 and 24 accounted for 12,627 deaths and injuries in Missouri.

    “The most devastating consequence of distracted driving can be the loss of life, but distracted driving can cause serious physical injury and substantial financial loss, as well,” said Huff. “All drivers need to focus on the road ahead when behind the wheel.”

    For parents of new drivers, these numbers may be especially alarming. As new drivers, teens can be uniquely susceptible to the dangers of distracted driving. To raise awareness, the MO Eyes on the Road campaign has produced a PSA featuring Director Huff and his daughter, who recently received her drivers’ license. The PSA promotes a teen driver contract designed by the National Association of Insurance Commissioners (NAIC). As the PSA shows, the contract can facilitate an important discussion between parents and teens about safe and attentive driving habits.

    The Missouri Department of Insurance offers this advice to parents of new drivers:

    • Parents should exhibit and model the safe driving behaviors they want their children to adopt.
    • Consider increasing liability limits due to the additional risk exposure of a teen driver.
    • Teens need to be listed as a driver on your policy as soon as they are legally allowed to operate a vehicle.
    • Apps currently exist that lock phones for safe driving.
    • To start a discussion with your teen driver, print the NAIC’s Teen Driver Contract.

    For more advice and resources, please visit MO Eyes on the Road.

    All Updates

  • Replacement Cost ContentsApril 14, 2016

    Not much can compare to the comforts of home. The things you have worked hard to purchase—that make your house a home—can be insured at replacement cost. When a loss occurs and you have replacement cost for contents added to your policy, you will be paid to replace covered items at the current replacement cost, less your policy deductible, once they are replaced. In the absence of Replacement Cost Contents, the actual cash value of your items less your policy deductible is all that would be payable.

    When Replacement Cost Contents is added, replacement coverage is provided for Coverage C – Personal Property, up to the limit shown on your declarations page. Appliances and window air conditioners, carpeting and window coverings, awnings and canopies, antennas, and outdoor equipment are included when covered by the policy. Replacement is not afforded for items of antiquity; art or rarity that cannot be duplicated; memorabilia, souvenirs, collector’s items; items not maintained in good or workable condition; or items that are outdated, obsolete and being stored or not in use.

    In order to protect yourself from a devastating situation becoming worse, take advantage of this coverage and give yourself peace of mind to know your house can be a home again. Talk to your local agent to see if Replacement Cost Contents is available for your Homeowner, Farmowner, Rental or Seasonal policy.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Tips for Prevention of Slip and Fall Claims on Business PremisesApril 07, 2016

    Since businesses invite the public onto their premises, a higher standard of care is warranted to maintain a hazard free environment, to prevent falling, slipping, tripping or other injury. Whether you are the landlord or the business owner, you should work diligently to keep the public safe at the business premises.

    Various ways to help eliminate a slip and fall or help protect yourself in the event of a lawsuit would include the following:

    Records, surveillance and maintenance:

    • Install security cameras inside and outside of your premises and save the recordings for at least 5 years.
    • In absence of security cameras, take photos of the interior and exterior of the premises routinely and save the photos.
    • Maintain records of any complaints made, along with records of when and how each complaint was addressed.
    • Preserve and maintain cleaning logs that outline when floors are cleaned, checked for hazardous areas or materials, and regular housekeeping items are completed.
    • Records of maintenance, repairs and routine checks or inspections should be kept.

    Stairs, decks, and ramps:

    • Check local and uniform building codes and install or repair:
      • Handrails on stairs, decks or ramps in accordance with such codes.
      • Stairs should be constructed at the correct height and depth to prevent falls.
    • Regularly check and repair stairs, deck boards and handrails for slick surfaces, rotten or loose boards, chips or broken cement and unsecure nails or screws.

    • Nothing should be stored or kept on staircases.

    Floors, interior walkways, parking areas, sidewalks, and lawns:

    • Use yellow paint or other warning sign(s) to identify exterior hazards, such as changes in elevations, curbs, car stops, etc.
    • For large potholes, cracks, water meter recessions, etc. in parking lots, sidewalks, driveways, etc. use immobile warning signs and barriers until an adequate repair can be made. Check these areas often and make repairs promptly.
    • Use wet floor signs and cones to keep individuals from walking on wet surfaces.
    • Post warning signs and barriers in areas where leaks, spills and liquid or foreign materials are known to routinely occur. Make repairs to eliminate these issues promptly.
    • Fill in any holes in lawns, whether people normally walk in that area or not.
    • Keep lawn free of clutter, sticks and other items that could cause tripping hazards.
    • Use water absorbing floor mats with slip resistant backing. Check mats regularly to ensure they aren’t bunched or flipped up on the edge and are still secure.
    • Cords, boxes, furniture, nor any other item(s) should be in interior or exterior walking paths. All areas should be kept free of clutter and obstructions.

    Other Safety Suggestions:

    • Quickly clean up spills or other areas that may cause a fall. Do routine checks for such instances.
    • Keep all areas free of clutter and obstructions.
    • Worn out flooring materials with rips or loose edges on carpets, linoleum, rugs, concrete, tile or areas of rotten sub flooring should be repaired or replaced immediately.
    • Consider contracting someone to do snow and ice removal from sidewalks, stairs, parking areas and any other area that is normally traversed.
    • Sufficient lighting in all areas of your locale should be sustained with special attention to lighting in parking areas, stairways, entryways, and sidewalks.
    • Direct water runoff from a structure’s roof should be corrected by installing a properly maintained guttering system to divert water from pooling and/or freezing in areas with foot traffic.
    • Promptly correct and prevent roof leaks, plumbing leaks, backups, and spills.
    • Pets should be contained and not allowed to roam the premises or interact with the public.
    • Educate and train your employees about loss prevention techniques including record keeping, proper clean-up/repair, how to report and mark the hazard with cones, signs or barriers, etc.
    • Create interior and exterior maintenance checklists. Do self-inspections at regular intervals. Keep documentation of all inspections and repairs as well as follow-up from areas that you previously noted should be corrected.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Tips to Meet Underwriting GuidelinesApril 05, 2016

    By definition, Underwriting is the evaluation of a risk and the potential exposures associated with a risk. Underwriters are vital to an insurance company’s success as they work not only to identify these exposures but also to set appropriate premiums for a given risk.

    Each company has its own set of underwriting rules and guidelines to help underwriters determine if a risk is insurable. Barton Mutual also provides a physical inspection of each property it insures to assist in the underwriting of the property and to ensure the accuracy of the application submitted and policy that was written.

    Listed below are just a few of the potential liability exposures our inspectors look for during an inspection to evaluate a risk:

    • Trip and fall hazards – Are the sidewalks level? Steps safe? Deck boards and rails in good condition?
    • Vicious Dogs – Potential bite hazards?
    • Swimming Pools – Are they fenced? Diving board hazard? Too easy for children to access?
    • Dead Trees – Any leaning trees? Dead limbs? If it falls, will it land on your or a neighbor’s property?
    • Handrails – Do steps with four (4) or more risers have them?
    • Attractive Nuisances – Are there non running vehicles, junk, and things kids can play on or around?
    • Maintenance/Upkeep – Is the yard mowed? Property well kept? Is there pride of ownership?
    • Smoke Alarms – Are there working smoke alarms in all homes and rental properties?

    Paying attention to some of these key items will not only help you meet the standards of Barton’s underwriting guidelines but will also help keep our potential losses down and will give us the confidence we need to continue to offer affordable premiums.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating your risk management needs. Adherence to the above guidelines does not ensure coverage under your policy, nor does it guarantee your risk will be accepted by our company or that your property or operations are safe, healthful, or in compliance with laws, rules, or regulations. Coverage is determined by specific policy provisions, limitations and exclusions that can only be expressed in the policy itself.

    All Updates

  • Janitorial Cleaning ServicesMarch 24, 2016

    Do you operate a janitorial cleaning service that cleans residential or commercial properties? Barton Mutual can place that liability coverage for you under our Artisans program. In most cases, we can also insure any supplies or items you may need covered for property coverage. Check with a local agent for a quote today.

    All Updates

  • Farmers Market VendorsMarch 03, 2016

    Preparation for the opening of farmers markets across the state is in full swing as growers take the first steps of the growing season. If you raise fruits or vegetables for sale at a local farmers market, we can provide liability coverage for that activity. We can cover those who sell crafts or home-made items as well. If you need some property coverage for the items for sale, we can even pick that up under Inland Marine. Contact a local agent today for a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Protecting Your Property from ThievesFebruary 25, 2016

    Unfortunately in this day and age, homeowners and businessowners need to be careful to protect their property. Below are a few ideas to deter criminals from choosing you as their next victim:

    If you are taking a trip, notify the local police or sheriff’s department and ask them to drive by your house. Have your mail and newspaper held until you return. Don’t post pictures or anything on social media announcing your trip. Wait until you get home to show off those vacation photos. Don’t leave a message on your home phone that you are not at home. If you are friendly with neighbors, ask them to keep an eye out while you are away and report anything suspicious to the police. Have a light on a timer to come on at night.

    There are ways to deter thieves on a daily basis also. Garages are a common entry point—make sure your garage door is closed. Get rid of tall bushes or landscaping that will give cover to someone trying to break in or look inside. Outside lighting in your yard is also a deterrent. Secure any sliding doors by placing a security bar in the track.

    Security systems are a good way to protect your property. If you don’t want to have a real security system installed, you can buy fake security cameras online. Prices start around $10.00. You can also purchase a security system sign for your yard online. If someone is looking for a home to rob and they see a security camera or sign, they will most likely keep looking for an easier mark.

    Central air conditioning units are a hot item, especially from rental property when it’s vacant. Cages can be purchased to put over the unit; if a thief has to take the time to break the locks securing it, they may move on.

    And lastly, don’t advertise! If you buy a new TV, stereo system, computer, laptop, etc., don’t leave the box out by your trash can so folks can see you have something new they might be able to sell for a profit. Walk around in your own yard and look through your windows to see what passersby can see that you have. If you have a valuable item clearly visible, you might want to move things around a bit so it’s less visible. When homes are burglarized, the master bedroom is one of the first places ransacked. Don’t keep your valuables there; move them to a less likely place in your home or other secure place.

    All Updates

  • Food SpoilageFebruary 18, 2016

    Most owner occupied policies contain coverage for refrigerated food spoilage. This is valuable following a prolonged power outage when you are unable to safely salvage your food. The limit for this coverage is typically $500. Barton Mutual policies do not apply a deductible for this coverage.

    The USDA has tips for keeping food safe during an emergency situation, and they provide guidelines for when certain food may be considered “spoiled.” Read more about that on their website.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Electrical Fire SafetyFebruary 12, 2016

    Did you know December-March are the peak months for home electrical fires? In this country, there are nearly 47,800 home electrical fires each year. About half of these involve lighting equipment or home electrical wiring. Death due to home electrical fires is highest between the hours of midnight and 6:00 AM. Follow these tips to help reduce your risk of electrical fire:

    • Plug only one heat-producing appliance directly into a wall outlet at one time. This includes items such as coffee makers, space heaters, and microwaves.
    • Never use an extension cord with a heat-producing appliance.
    • If you must use an extension cord for something else, make it temporary.

    Information obtained from www.usfa.fema.gov.

    All Updates

  • FloristsFebruary 09, 2016

    If you own a floral shop and need coverage for your building and business personal property, contact a local agent today to discuss how Barton Mutual could help you. We also offer spoilage coverage to cover your perishable stock.​

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Submersible Pump Warranty CoverageFebruary 02, 2016

    Barton Mutual offers warranty coverage for submersible pumps for only $50 annually. A $500 deductible applies to this coverage regardless of the policy deductible.

    Pump warranty covers the pump that is owned by the insured and serves the primary dwelling insured by the policy. Additional pump coverage can be added for multiple submersible pumps at an additional cost for each pump.

    Virtually all causes of loss are covered under this warranty, even if the pump simply wears out. The warranty covers the electric motor and pump unit placed in the well, the wiring from the controls above ground, and the water piping to the first joint after exiting the well. The coverage does not include the drilled well, or any casing, structure or capping at ground level.

    If you need submersible pump warranty coverage added to your Barton policy, contact your agent today. If you don’t currently have your property written with Barton Mutual, contact a local agent for a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Navigating Roadways in Winter WeatherJanuary 26, 2016

    As you travel during the winter, you may encounter winter storms, ice or snow. If you have to be on the road in such conditions, the American Red Cross has tips for safety and what to do if you do become stranded. Of course, the safest course of action is to avoid driving in those conditions if possible. You can read the entire article and list on their website.

    • Allow for extra travel time.
    • Be sure to leave plenty of room between you and the car in front of you and travel slowly.
    • Clear all surfaces of your car before you embark on your journey.
    • Be sure your cell phone is fully charged. Bring a charger along if you have one that works in the car.
    • Tell someone where you are going and how long you expect it to take you.
    • Make sure you have a full tank of gas in case you do become stranded.
    • Do not leave your vehicle if you become stranded. Tie a bright colored cloth to your antenna or door handle and attempt to contact emergency personnel via cell phone if you have one.
    • If stranded, drivers should start and run their car for 10 minutes every hour, using the heater. Be sure that your exhaust pipe and radiator are clear of packed snow before running your engine. While the engine is running, partially open a down-wind window to avoid carbon monoxide poisoning and to get fresh air into the vehicle. Keep the vehicle’s interior lights on while the engine is running. Avoid hypothermia by constantly moving your arms and legs; clapping hands will help keep you warm as well. Warning signs of hypothermia are memory loss, disorientation, incoherence, slurred speech, drowsiness, exhaustion and uncontrollable shivering.
    • Carry a winter travel survival kit (the full kit recommendation is included on their website).

    All Updates

  • FloodingJanuary 08, 2016

    Recent historic flooding in Missouri has caused loss of life and significant property damage. Flooding is excluded under most insurance policies. With significant rain events, some damage may be covered under sewer backup coverage. Barton offers sewer backup coverage on most policy types. Barton Preferred Homeowner and Farmowner policies include $5,000 sewer backup coverage with no additional premium charge. Water seeping into basements is considered a flooding-type event and is not covered when flooding is excluded.

    Flood insurance is available through the National Flood Insurance Program. You must live in an area that participates in the National Flood Insurance Program in order to purchase flood insurance through the program. To learn more about flood insurance or to find out if you can purchase it, visit FloodSmart.gov.

    All Updates

  • Cabinet ShopsJanuary 06, 2016

    Do you have a shop for making cabinets? We can write both property and liability coverage for such a business, on a replacement cost or an actual cash value (ACV) basis, depending on your needs. Coverage can also be written for cabinets you will be taking off premises to the job site to install. A dust collection system may be required depending on the size of the operation. Liability coverage can be written to include products/completed operations. Contact a local agent for a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Renewable Energy Generating EquipmentDecember 31, 2015

    Do you have solar panels or wind turbines at your home or business? Are you properly covered against loss to that equipment? Some companies, including Barton Mutual, exclude coverage for renewable energy generating equipment like solar panels. You may have the option to specifically schedule those pieces of equipment for an additional premium charge. Barton Mutual does offer this optional coverage if you need to schedule renewable energy generating equipment. Talk to your agent to find out if you are covered in the event of a loss.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Reducing Chances of Theft This Holiday SeasonDecember 14, 2015

    If you plan to be away from home this holiday season, there are steps you can take to help reduce the risk of burglars taking advantage of your absence. Portions of this were taken from an article in U.S. News.

    1. The most obvious choice is a home security system. If you can afford a security system, spring for one. You might even qualify for a discount on your homeowners insurance if you own a security system. If you can’t afford the security system, put a sign in your yard to convince would-be burglars that you do have one.
    2. Install motion sensors on outdoor lights. This could deter a nighttime burglary.
    3. Keep noise on in the house. Leaving on a radio or TV could convince a daytime burglar that someone is in the home.
    4. Keep all doors and windows locked. Don’t leave your garage door open for extended periods, as that displays your belongings to the world.
    5. If you are going to be away, have the Post Office hold your mail and stop any newspaper deliveries. Or ask a friend or trusted neighbor to pick up your mail and papers. Nothing signals an absence like a pile of newspapers in the driveway.
    6. Get to know your neighbors. They can keep an eye out when you are gone, and you can return the favor when they leave home.
    7. Reduce the landscaping around your home. This may seem like an odd addition to the list, but bushes and shrubs around a home make good hiding spots.
    8. At Christmastime, keep packages out of view of the windows. Passersby shouldn’t be able to tell how many packages little Suzie has under the tree.
    9. Consider contacting your local police department to do a check of your house. They might be able to suggest things you could do to improve security.

    All Updates

  • Happy Thanksgiving!November 23, 2015

    We hope that you have too many blessings to count during this season of thankfulness. We wish you a blessed Thanksgiving holiday. Our office will be closed on November 26-27 in observance of Thanksgiving.

    All Updates

  • Frying TurkeysNovember 16, 2015

    The National Fire Protection Association (NFPA) strongly discourages using gas-fueled fryers that immerse the turkey in oil. The highest number of cooking fires in the U.S. occur on Thanksgiving Day. The U.S. Fire Administration (USFA) shares five dangers of deep frying a turkey:

    1. Turkey fryers can easily tip over, spilling hot cooking oil over a large area.
    2. An overfilled cooking pot will cause cooking oil to spill when the turkey is put in, and a partially frozen turkey will cause cooking oil to splatter when put in the pot.
    3. Even a small amount of cooking oil spilling on a hot burner can cause a large fire.
    4. Without thermostat controls, deep fryers can overheat oil to the point of starting a fire.
    5. The sides of the cooking pot, lid and pot handles can get dangerously hot.

    When in doubt, don’t fry at home!

    All Updates

  • RestaurantsNovember 10, 2015

    Barton Mutual writes coverage for restaurants under our BOP and Commercial Package lines. We offer optional coverages such as Spoilage, Loss of Income, Accounts Receivable and Employee Dishonesty, as well as several others. We can write the property for replacement cost or actual cash value and will also write the liability coverage to include products/completed operations. We do have some requirements on restaurants that can be discussed with your agent. Contact a local agent for a quote today.​

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Look Out for DeerOctober 30, 2015

    As leaves turn and cool winds blow in, many Missourians are quite used to seeing deer along the roadways. According to the Missouri Department of Insurance, Financial Institutions & Professional Registration (DIFP), more deer-related accidents occur in October and November than the rest of the year.

    If you are about to hit a deer, hold firmly to the steering wheel, apply your brakes and stop the vehicle. Try not to swerve. If you are involved in an animal collision, DIFP recommends the following actions:

    • Stay calm.
    • If you can, move your vehicle to a safe place and turn on your hazard lights. This may mean pulling over to the shoulder of the highway.
    • Stay away from the animal. A frightened or wounded animal can lash out and hurt you.
    • If you can’t move your car, or the animal carcass is blocking traffic, alert the authorities so they can clear the roadway.
    • Document the incident by taking photos of your vehicle damage, the roadway and any injuries sustained.
    • Check to see if your vehicle is safe to operate. Check for leaking fluid, damaged lights, loose parts or other safety hazards. When in doubt, call a tow truck.

    To read the article in its entirety, visit the DIFP website. Refer to DIFP or your local insurance agent when inquiring about automobile insurance coverage.

    All Updates

  • Do You Have Earthquake Insurance?October 23, 2015

    According to a news release from the Missouri Department of Insurance, Financial Institutions & Professional Registration (DIFP), an earthquake in the first week of October in Southeast Missouri should encourage Missouri residents to consider earthquake coverage. While Barton Mutual does not offer earthquake coverage, DIFP has a list of companies that do in case you would like to purchase such coverage. While you might receive assistance from FEMA in case of an earthquake, it would probably not be enough to replace your home and personal property.

    All Updates

  • Water Lines in WinterOctober 16, 2015

    Ready or not, colder weather is coming. If you have structures with water lines, you need to be sure to maintain heat. Even if the heat is on, it could be low enough that water lines in exterior walls could freeze in times of extreme wind chill or temperature drops. Winterize your pipes when possible and be sure the heat is at an appropriate level; simply leaving it above freezing will most likely not be sufficient. Freezing pipes and the resulting damage may not be a covered loss in certain types of policies. In addition, policies that do contain coverage for the peril of freezing will not cover loss that results from your failure to maintain heat or properly winterize the structure. Check with your insurance company or agent to learn the details of your policy.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Suggestions for Fall Home MaintenanceSeptember 21, 2015

    The Today Show, with HGTV’s Steve Watson, suggests things you can do in the fall to improve your home and prepare it for winter. To read the entire article or view the segment, visit their website.

    Watson suggests the following items be on your short list:

    1. Fix any leaks in your roof.
    2. Clean the gutters.
    3. Check the windows and their seals to be sure cool air won’t get in.
    4. Winterize your pipes.
    5. Treat your decks and porches.

    If you plan to make any significant improvements to your home, be sure your insurance coverage reflects that change. Contact your agent to review your coverage and make any necessary changes.

    All Updates

  • Self-Service Car WashesSeptember 14, 2015

    Do you run a self-service car wash in your community? Barton Mutual can provide both property and liability coverage for your business. Contact a local agent to get a quote from us today.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • AuctioneersAugust 28, 2015

    Barton Mutual can write coverage for auctioneers (except those who do livestock auctions) who conduct auctions either at a specific site or their clients’ locations. We can write liability coverage as well as property coverage. If you are an auctioneer looking for coverage, contact a local agent today for a quote!

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Condo CoverageAugust 17, 2015

    Barton Mutual offers coverage for owner occupied condos, rental condos and condos used as seasonal homes. Coverage applies for the parts of your unit that are not covered by your condo association’s insurance policy. We offer limited coverage for Association Deductibles and Association Loss Assessment. You can purchase coverage for your personal property in the unit, and liability coverage is included if the condo is used as your primary residence. Liability coverage can be added to condos used as seasonal dwellings or rentals. If you own a condo and are looking for insurance coverage, contact a local agent today for a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Farm Comprehensive Personal LiabilityAugust 10, 2015

    If you have an older home or mobile home with farming exposure or more than 50 acres that does not qualify for a Farmowner package policy, we have non-package programs that might be a good fit for you. You can write property coverage for your home, contents, outbuildings, livestock, etc., while having the option of adding Farm Comprehensive Personal Liability (FCPL). Contact a local agent for a quote today.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Customers Affected by Storms and FloodingJuly 24, 2015

    This content was taken from a Missouri Department of Insurance news release.

    Missouri residents affected by storms and flooding who have not already contacted their insurance agent or company should do so immediately.

    Policyholders who have questions or concerns about their insurance coverage should contact the department’s Insurance Consumer Hotline at 800-726-7390 or visit insurance.mo.gov.

    The Department of Insurance offers these tips for consumers affected by the storms:

    • Contact your insurance agent or your company’s toll-free claims number as soon as possible. If you have lost the contact information, the department may be able to help you locate it. Visit insurance.mo.gov or call 800-726-7390.
    • Make temporary repairs to prevent further damage. For example, a hole in the roof should be covered by a tarp or other material to keep out rain. The same goes for a broken car window. Otherwise, further damage will likely not be covered by your insurance policy. Keep the receipts for materials you buy so you can be reimbursed.
    • Don’t make permanent repairs until your insurance company has inspected the damage. If you do, your company may not reimburse you.
    • Once your claim is processed, get estimates from contractors or auto repair shops known to you or recommended by someone you trust. Be suspicious of strangers who offer to do repairs for you.
    • If you believe your insurance company has not handled your claim properly, file a complaint with the department. The department will determine whether your insurance company has followed Missouri law in processing your claim.
    • Don’t let contractors inspect your property if you’re not watching. Some unscrupulous companies will cause damage to drive up the repair cost, and your insurance company will likely not cover the additional cost.
    • Don’t pay the whole repair bill in advance. Pay in full only when the work is completed according to your agreement.

    Business owners can visit the department’s “Small Business Insurance” Web page, which offers information on commercial property, business interruption insurance and more. The department recently produced a video podcast that discusses flooding and what a typical homeowners insurance policy does not cover. The video is posted on the department’s website.

    About the Missouri Department of Insurance, Financial Institutions & Professional Registration

    The Missouri Department of Insurance, Financial Institutions and Professional Registration (DIFP) is responsible for consumer protection through the regulation of financial industries and professionals. The department’s seven divisions work to enforce state regulations both efficiently and effectively while encouraging a competitive environment for industries and professions to ensure consumers have access to quality products.

    All Updates

  • Experience Makes a DifferenceJuly 22, 2015

    Barton’s management team brings a combined 144 years of experience to our company. Sally Fast, hired in 1973, worked through the ranks of the company before being named President in 2013. Vice President of Underwriting, Brian King, has served for 22 years in the Underwriting Department. Dorothy Spivey, Vice President of Claims, has been in the Claims Department for 19 years. Treasurer Jacqui Nichols has served for 21 years in various roles with the company. In 1975, Secretary Linda McKay joined the Underwriting Department, and she now serves as the supervisor for our Policy Production Department. The commitment of these officers to Barton Mutual is just one of the reasons the company boasts over 120 years of service to Missouri.

    All Updates

  • Swimming Pool SafetyJuly 15, 2015

    Adapted from www.poolsafely.gov.

    Do you follow these safety practices when swimming in your pool, a friend’s pool or even a community pool?

    • Always watch your children when they are in or near a pool.
    • Teach children basic water safety tips (and invest in swimming lessons).
    • Keep a phone nearby in case of emergency.
    • Learn CPR for children and adults.
    • Understand the basics of life-saving so you can assist in a pool emergency.

    If you own a pool (or spa), you should follow these safety guidelines:

    • Install a fence that is at least four foot tall and use a self-closing gate.
    • Install and use a lockable safety cover on your spa.
    • If your house serves as a fourth side of a fence around a pool, install door alarms. For additional protection, install window guards and a gate alarm on the pool fence.

    Pools can—and should—provide hours of summer fun; just be sure you observe basic safety rules!

    All Updates

  • Landlords with Multiple RentalsJuly 09, 2015

    ​Do you own several rental dwellings or an apartment building? We can accommodate up to 20 dwellings on a single commercial policy. Within that program, we have the flexibility to write dwellings of various ages for various perils and loss settlement. If you have rental dwellings you need to insure, give a local agent a call today. They can even get you a free quote to see if Barton can do better than your current provider.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Boating FunJune 22, 2015

    It is that time of year again! Lakes across the state will welcome visitors for water recreation. Don’t find yourself in hot “water”—make sure you are adequately covered for this exposure. Property coverage for your boat and related equipment can be added to most of our personal lines policies. Also, liability coverage is available to protect you in the event a covered lawsuit is filed against you resulting from the use of your watercraft. Contact one of our local agents for a quote today.

    All Updates

  • Commercial PoliciesJune 11, 2015

    Barton offers General Liability, Commercial Property, Commercial Package, Businessowners and Artisans policies. As you look to place your commercial business, keep us in mind. If you are not already covered by a policy with Barton Mutual, why not call on one of our agents to learn more about this coverage? We strive to return commercial quotes the same day we receive them.

    Some of the more popular commercial risks we write on a regular basis include carpentry, cleaning services, floor covering/installation businesses, plumbers, electrical contractors and lawn care contractors; as well as restaurants, apartments/rentals, offices and mercantiles.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • New Board MemberMay 19, 2015

    ​Barton is pleased to welcome Ray Tubaugh to our board of directors. Ray is a resident of Carthage. You can read about Ray or any of our other board members on the About Us page. We have structured our board to bring diversity and a wealth of knowledge to best serve our policyholders.

    All Updates

  • Umbrella Insurance PolicyMay 05, 2015

    Are you looking for a way to help protect yourself from major liability claims and lawsuits? Umbrella insurance will provide additional liability coverage above the limits of your homeowners, auto, and some other types of personal liability policies. We offer personal or farm umbrella coverage at $1,000,000 or $2,000,000 limits. Talk to a local agent today to assess your needs and get a quote.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Renters InsuranceApril 21, 2015

    According to a recent survey of young adults conducted by Nationwide*, 56% of millennials do not carry renters insurance, despite the fact that more people are renting now than ever before. Barton offers renters insurance at an affordable cost. In addition to covering your belongings for a wide range of perils, the policy would also pay for additional living expenses incurred if the residence was damaged by a covered loss. Personal liability coverage is also included. Contact a local agent today for a quote.

    * Source: Property Casualty 360, April 2014

    All Updates

  • Coverage For Your HomeMarch 06, 2015

    Barton can write a variety of non-standard construction type homes, including log homes & earth contact homes. We have several package and non-package policies to meet your needs. Coverage can be written at Replacement Cost, Market Value or Actual Cash Value, depending on the age of the dwelling and underwriting guidelines for the program. We can even accommodate those risks with added exposures such as farming. Contact a local agent today and ask for a quote from Barton Mutual.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Stand Alone PoliciesFebruary 23, 2015

    We offer policies to provide liability coverage for vacant land you own. We also offer policies to cover stand alone farm outbuildings or farm personal property, with liability coverage as an option. Find more information.

    This information is meant to be a broad overview and should not be the only source you consult for evaluating insurance coverage or purchase. The description of coverages and programs are purposely brief and are subject to specific policy provisions, limitations and exclusions that can only be expressed in the policy itself. For a complete explanation of coverages, please consult one of our licensed agents.

    All Updates

  • Payment OptionsFebruary 21, 2015

    We offer a convenient monthly pay option that can be automatically withdrawn from a bank account. When choosing this option, consumers must pay two months premium at the time the application is submitted. We also offer quarterly, semi-annual and annual payment options. If you would like to change your billing mode, please contact our Customer Service department at x451.

    All Updates

Have a question? Ask Us or Find an Agent