A Crucial Component to Success:

Business insurance is a necessity for every business to survive unplanned events and stay on the path towards accomplishing their objectives. Busby-Stone Risk Management has a team of experienced Certified Insurance Counselors ™ that will guide you through the risk management process.

Business Insurance:

Risk Financing

Risk financing is step four of the risk management process. The definition of risk financing is; obtaining funds at an optimal cost of pay for claims. Our Certified Insurance Counselors will design a cost effective insurance program based on the information developed in the previous three risk management steps.


Corporate Headquarters, Out Buildings, Cold Storage Plants, Milking Barns, Solar Energy Equipment. Should any of these insurable items be damaged by a covered peril the insurance should pay to return you to the condition you were in prior to the loss occurring.

Inland Marine

Inland Marine insurance offers coverage for items that are being transported across land. The professionals at Busby-Stone Risk Management will assess and consider the nature of your business’s practices and solidify a policy catering to your needs specifically.

General Liability

General Liability Insurance covers third party bodily injury, property damage, contractual liability, product completed operations, medical expense. We will assess your exposures, again, utilizing the risk management process and design a program to protect your assets.

Business Auto

Business Auto Policy covers your vehicles for auto liability, physical damage for owned, non-owned and hired vehicles. The policy that seems so simple and is quite complex. This is one of your biggest exposures.

Worker’s Compensation

Workers’ Compensation claims can serve as highly detrimental setbacks to businesses and their operations. By analyzing each business individually, the professionals at Busby-Stone Risk Management are able to construct an individualized coverage plan to offer the protection your business requires from workers’ compensation claims.


Busby-Stone Risk Management the complexity of Agribusiness and provides real customized services to reduce those exposures brought onto the land and facilities by the contractors hired.

Umbrella / Excess

Umbrella and Excess Liability provides limits above your general liability, auto liability and employer’s liability policies. We find that most agribusiness owners are not truly educated on the inner workings of this coverage and frequently their policies are not written correctly.

International Programs

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Management Liability

Management Liability insurance offers protection against claims arising from the various components of the management structure. Whether your company needs a packaged management liability policy, or distinctive, stand-alone policies, the professionals at Busby-Stone Risk Management will provide you with an individualized policy matched to your necessities.