✉ admin@brawnerinsurance.com 📱 Kirksville: 660-665-1687 📱 Kahoka: 660-754-1000
Employee Benefits & Group Health Insurance  ·  MO  ·  IA  ·  KS  ·  IL

Build a Benefits Package Your Team Will Love.

Employee Benefits and Group Health Insurance from Brawner Insurance helps employers attract and retain top talent with comprehensive health, dental, vision, life, disability, and retirement plans. We work with businesses of every size across Missouri, Iowa, Kansas, and Illinois.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Complete Benefits PackageHealth, dental, life, retirement & more
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters

Why Employers Choose Brawner Insurance

Quality benefits are the #1 factor employees consider when choosing where to work. A strong benefits package attracts top talent, reduces turnover, and keeps your team healthy and productive. But navigating group health insurance, ACA compliance, and benefits administration can be overwhelming for any employer.

As an independent insurance agency since 1992, Brawner Insurance simplifies group benefits for businesses of every size. We work with over 50 top carriers to design custom benefits packages, handle enrollment, support employees with claims, and manage annual renewals — so you can focus on running your business.

MPCI crop coverage
All-in-Onehealth, dental, vision, life, disability & retirement
50+group benefits carriers in our network
Since 1992serving Midwest employers and their teams

From small businesses with a handful of employees to large employers with hundreds, Brawner Insurance builds custom benefits packages that fit your budget, attract top talent, and keep your team healthy. Independent agency advantage means we shop multiple carriers for the best rates.

Get a Free Quote →

Build a benefits package that works.

We will assess your workforce, design a custom benefits package, and shop multiple carriers to find you the best rates — at no cost to you.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

Employee Benefits Through Brawner

Group benefits packages can include many different types of coverage. Here is what we help employers put in place.

Yield Protection

Group Health Insurance

Comprehensive medical coverage for your employees and their families — including major medical, preventive care, prescription drugs, and access to large provider networks across the Midwest.

Learn More →
Revenue Protection

Dental & Vision

Add dental and vision benefits to your group package — covering routine cleanings, exams, glasses, contacts, and major dental work to keep employees healthy and productive.

Learn More →
RP-HPE coverage

Life & Disability

Group life insurance and short-term/long-term disability coverage — providing financial security for employees and their families when life takes unexpected turns.

Learn More →
Area Risk Protection

Retirement & 401(k)

Help employees save for retirement with group 401(k), SIMPLE IRA, and other retirement benefit plans — a key recruiting and retention tool for modern employers.

Learn More →
Supplemental Coverage Option

HSA, FSA & Wellness

Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and workplace wellness programs — giving employees more control over healthcare spending while reducing employer costs.

Learn More →
Every Operation Is Different

Build your policy.

We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.

Talk to an Agent →
Getting Started

How Group Benefits Work

1

Workforce Assessment

We start by understanding your business — employee count, demographics, budget, and goals — to design a benefits package that fits your team.

2

Plan Design

We build a custom benefits package combining health, dental, vision, life, disability, and retirement options matched to your workforce needs.

3

Carrier Comparison

As an independent agency, we compare quotes from multiple top group health and benefits carriers to find you the best coverage at competitive rates.

4

Enrollment & Support

Brawner Insurance handles employee enrollment, ongoing administration, claims support, and annual renewals — so you can focus on running your business.

Client Reviews

Trusted by Farmers Across Missouri, Iowa, Kansas & Illinois

See why farmers and producers trust Brawner Insurance for crop insurance guidance.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you're shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

View All Reviews on Google →
Common Questions

Employee Benefits FAQ

What is Group Health Insurance?

+

Group Health Insurance is medical coverage that an employer provides to its employees and often their dependents. Premiums are typically shared between employer and employees, and group rates are usually lower than individual coverage.

What benefits can I offer my employees?

+

Brawner Insurance helps employers build comprehensive benefits packages including group health, dental, vision, life insurance, short-term and long-term disability, retirement plans like 401(k), HSAs, FSAs, and workplace wellness programs.

How many employees do I need to offer group benefits?

+

Most carriers require a minimum of 2-5 employees for group coverage. Brawner Insurance works with small businesses, mid-size companies, and large employers across Missouri, Iowa, Kansas, and Illinois — finding the right plans for any size.

How much do employee benefits cost?

+

Costs depend on company size, employee demographics, plan design, and coverage levels. Most employers split premiums with employees. Brawner Insurance compares quotes from multiple top carriers to find affordable benefits packages that fit your budget.

Can I offer benefits to part-time employees?

+

Yes — many employers offer benefits to part-time employees as a recruiting and retention tool. Brawner Insurance helps you design eligibility rules, employee classifications, and contribution strategies that work for your business.

Do I have to offer health insurance under the ACA?

+

Under the Affordable Care Act, employers with 50+ full-time equivalent employees must offer health insurance or face penalties. Smaller employers are not required to offer health benefits but often do for recruiting and retention. Brawner helps you understand your obligations.

Build benefits that work for your team.

Brawner Insurance helps employers across the Midwest design custom benefits packages — health, dental, vision, life, disability, and retirement — at competitive rates from over 50 top carriers.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

View Location →

Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

View Location →