McGrath Insurance Group serves clients in Lake Ozark, MO.
We are your trusted insurance agency serving Lake Ozark, MO.
We specialize in a wide variety of insurance solutions to find the best fit for your financial needs and coverage preferences. Whether you’re looking for high net worth insurance, personal insurance, business insurance, or employee benefits, we go the extra mile to give you the support you deserve. Contact us today to get started.
For many property owners at Lake of the Ozarks, there’s nothing like boating up to a favorite restaurant, relaxing on the dock with friends or heading out early to fish before everyone else wakes up. When it comes to enjoying the Lake, it’s easy to love being a property owner. But wading through insurance options for your waterfront property? Not so much.
At McGrath Insurance Group, we make insurance easier. We have over 80 years of experience helping local homeowners and businesses get the comprehensive coverage they need, tailored to their unique lifestyle and assets.
Types of Insurance to Consider in Lake Ozark, MO
Being on the water has plenty of perks, but it also comes with distinct risks, which vary depending on your specific situation.
Personal Insurance
As a homeowner at Lake of the Ozarks, essential policies include:
- Homeowners insurance: Covers damage to your home and personal belongings, plus liability claims if someone is injured on your property. Docks and other waterfront structures may need additional coverage, so confirm how your policy treats them.
- Flood insurance: Pays for home repairs if flooding occurs, as well as the cost to replace belongings damaged by flooding.
- Watercraft insurance: Pays to repair or replace your boat, pontoon or yacht after physical damage or theft and covers liability claims from boating accidents.
- Umbrella insurance: Provides additional coverage when liability claims exceed your standard policies’ limits.
Business Insurance
Do you manage a business at the Lake? Important commercial policies include:
- Commercial property insurance: Covers damage to your building, equipment and inventory from fire, theft, vandalism or covered disasters.
- Commercial auto insurance: Covers liability and vehicle damage when you use vans, trucks or shuttles for deliveries, guest transport or hauling equipment.
- Business interruption insurance: Replaces lost income and covers ongoing expenses like rent and payroll when a covered loss forces you to close temporarily — critical for seasonal businesses that can’t afford to miss peak months.
- Workers’ compensation insurance: Covers lost wages and medical expenses for workers injured on the job, whether they get hurt serving drinks or tying off boats.
- Flood insurance: Pays to repair flood damage to your building as well as the cost to replace equipment and inventory damaged by flooding.
- General liability insurance: Protects your business from bodily injury claims if a customer gets hurt on your property, such as slipping on a wet dock or falling in your restaurant. It also covers accidental damage your operations cause to a customer’s property.
- Liquor liability insurance: Safeguards against claims for injuries or property damage caused by an intoxicated customer if your business serves or sells alcohol.
- Commercial umbrella insurance: Provides additional protection when a liability claim exceeds your underlying policies’ limits.
A Trusted Insurance Agency at Lake of the Ozarks
When you give us a call, you won’t speak to an insurance agent somewhere far away. We’ve been part of the local community for decades and genuinely care about our neighbors and what matters to them. Here’s why you can trust us as your insurance advisors:
- Local expertise: We understand the unique risks that Lake of the Ozarks property owners face, from storm damage to watercraft accidents.
- Wide variety of insurance options: As an independent agency, we work with multiple insurance carriers to find coverage that fits your needs and budget, saving you from having to shop around.
- Clear explanations: We take time to explain your options and simplify the complexities so you can make informed decisions about your coverage.
- Dedicated and personalized service: You’ll work with a dedicated local advisor who gets to know you, your property and your goals. They’ll be there to answer your questions, advocate on your behalf with carriers, and guide you through coverage decisions so you never have to navigate insurance alone.
Get Your Lake Ozark Insurance Quote Today
Insuring your lakefront property doesn’t have to be complicated. At McGrath Insurance Group, we’ll help you understand your options and get the coverage that best suits your needs. Whether you’re looking for personal insurance for your Lake of the Ozarks property or commercial insurance for your waterfront business, we’re here for you. Request your proposal today and we’ll be in touch.
Contact Us
Have questions about insurance policies, billing, claims or anything else? No problem! Reach out and we’d be happy to help.
