Tuesday, September 23, 2014

Protect your business with Insure the Lake!

Whether your business is large or small, Insure the Lake has products to meet your needs. Every business and industry is unique. I will help you identify the unique hazards of your business, and ways to properly insure against loss or liability. As a business owner, I understand the special insurance protection businesses need to prosper.



We offer:

General Liability Insurance at the Lake of the Ozarks

Business liability insurance protects your business if your company is sued for being responsible for bodily injury or property damage to someone else.
What if…
  • A customer slips and falls on your property?
  • A person claims that a product you make has injured them?
Insure the Lake can put together a package of property and liability insurance coverages designed to give you the best insurance value while still protecting you from many of the inherent risks in operating your business.

Business Property and Income Insurance at the Lake of the Ozarks

Business property insurance covers the physical parts or your business. These are things like your building, equipment, furnishings, fixtures, inventory, computers, records and other valuable items. This insurance coverage helps repair or replace the building and its contents, and can also help provide income if your business can’t operate for a while after a covered loss.

What if…
  • Your business is totally destroyed by a fire?
  • Water from a broken pipe floods your store?
  • A power surge in your office damages all of your computers?
A large property loss could bring your business to a halt for months or longer. While your property is being repaired or rebuilt, business income insurance will help cover the costs to maintain your operation and continue to support your customers and employees. Without this insurance coverage, a business may not be able to recover lost income or lost customers.

Even if your building is not damaged, your equipment can be. You can add equipment breakdown insurance, which covers repair or replacement of damaged equipment due to mechanical and electrical breakdown.

Unique and Specialty Coverage Insurance at the Lake of the Ozarks

Insure the Lake offers a wide variety of placement options for those hard to place risks. We have many contacts to help you place that risk in specialty insurance programs that we are members of.

Here is a small portion of that list:
  • Wineries
  • Schools
  • Aviation
  • Restaurants & Bar insurance
Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special insurance coverage and pricing. To see if your business qualifies for one of these special insurance programs, contact me for more information.




 Quick Claim Response Insurance

When you do have a claim, you need fast, fair insurance service. As independent agents we work to make that happen. That’s why we only represent companies with excellent records for settling insurance claims fairly and promptly.

Employee Benefits Insurance at the Lake of the Ozarks

 We offer employers the opportunity to work long-term with a single agency; while still providing the flexibility to alter coverage options to fit your business needs as they change. Please contact me for more about our great choices in plans and carriers.

Competitive Rates


 Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special insurance coverage and pricing. To see if your business qualifies for one of these special insurance programs, give me a call for more information.

This is just a partial list of the business insurance at the Lake of the Ozarks that I offer.  Please give me a call or email to explore your options.  Each business has unique needs, and I specialize in making sure your business has the best coverage!


Steve Naught, CIC

NAUGHT-NAUGHT AGENCY
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191
Send Email

Tuesday, September 16, 2014

Meet Steve Naught!

My family is originally from Carrollton Missouri. When I was three years old we moved to Eldon where my dad opened Naught-Naught Agency’s first satellite location. I graduated from Eldon High School and went onto the University of Missouri Columbia where I received my BSBA in Finance and Banking.

My wife Camillia and I were high school sweethearts and dated for eight years through high school and college before getting married. This month is our 15 year wedding anniversary. We have two boys, Henry and Samuel, both attending Eldon Elementary School. They keep us busy with Cub Scouts, Swimming lessons and soccer practice. Our family lives just down the road from the family farm Camillia grew up on. 

I am a past board member of Lake Area Chamber of Commerce. I currently serve on the Chamber Annual Dinner Committee and am a member of the Chamber Young Professionals Group. I help out with the Boost BBQ in Jefferson City which provides nutritional supplements and wigs to cancer patients in need. I am a Past President of Lake Ozark Daybreak Rotary and have acted as the Rotary Youth Exchange Program Chair and Counselor for the last three years. I have co-chaired the Daybreak Rotary Car raffle where we give away a muscle car at the Magic Dragon Street Meet each year and have recently taken over the chairmanship for Rotary’s Winterfest Fundraiser this coming February. 





I like to think that I have always been in insurance. Growing up I knew I wanted to be a businessperson like my parents. I learned a lot about helping others in the community by watching them and their work ethic. In middle school and high school I helped out at my dad’s office after classes and on summer break. While at MU I obtained my insurance license and did an internship in our Columbia office. After college I interviewed with several companies, many of them in insurance and each one wanted me to move away from my home in Missouri. Who would leave the Lake of the Ozarks if they didn’t have to? I am very close to my parents and my brother is my best friend. I wasn’t about to move away from my sweetheart who had one more year at MU. So I began working in the family business full time and worked in Eldon for two years before transferring to our Osage Beach office in 2000. I have been with Naught-Naught full time for over 16 years. Wow! Time flies when you’re having fun!

In 2010 I was named Missouri’s “Young Agent of the Year” by the Missouri Association of Insurance Agents. I am involved in the Lake Area Chamber of Commerce as an elected board member for the 2010-2013 term. I am also a board member of the Community Foundation of the Lake.



In 2011 my wife and I won the mirror ball trophy at the Chamber Annual Dinner: Dancing at the Lake 2. This was a great event where we performed the Tango.

 
I enjoy spending time with my family at Big Surf and Miner Mike’s Adventure Zone. I also like to snow ski, go fishing in Canada for walleye with my dad and brother and travel to the beach with my beautiful wife.
 
My Suggested Reading List:
Atlas Shrugged by Ayn Rand
The Little Engine That Could by Watty Piper
The Little Red Book of Selling by Jeffery Gitomer
The Book of Virtues by William Bennett


My Business Philosophy

  • Help people protect their families and businesses before, during and after a claim.
  • Make friends, not sales.
  • Work to be the best at what I do.
  • Thank God for my blessings.
  • Have fun everyday.

Insure the Lake has specialty and unique item coverage.  If it needs insured, give Steve Naught a call.  He can help you!   


In addition to www.stevenaught.com and www.naught-naught.com, we are excited to announce the launch of a new website dedicated to providing all of your Lake of the Ozarks Insurance needs.  In the next week or so, www.InsureTheLake.com will be live, so stay tuned to our social media posts so that you can visit the new website.



Steve Naught, CIC

NAUGHT-NAUGHT AGENCY
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191
Send Email

Monday, September 8, 2014

Insure the Lake - for ALL of your Insurance needs

Insure the Lake and Steve Naught can help meet all types of your Lake of the Ozarks insurance needs ranging from personal home and auto to business liability and workers compensation.  We also work with clients on their health insurance and employee benefit needs.

Our goal is to meet with clients about their specific insurance needs and how to best protect them.  We also work with clients on how to lower cost, increase safety and make their business more profitable.  Steve Naught is known as the best insurance agent at the Lake of the Ozarks, so give him a call at 573-348-2794 for your specific Lake of the Ozarks insurance requirements!

We can insure almost anything! 





Personal Coverage (partial list)


  • Car Insurance
    • When you think about how much time you spend in your car, the time adds up. Now imagine that your car is damaged and not only do you have to find another way to get to work, but you also have to get your vehicle repaired or even replaced. That’s where auto-car insurance is useful. Auto-car insurance can be used to correct major or minor damages and get you back on the road in short amount of time.

  • Health Insurance
    • Insure the Lake can help you manage and analyze your existing medical benefits and future needs. Our experienced and trained agents will perform a comparative analysis of your existing coverage to see if any adjustments can be made to better fit your individual or family coverage needs.

  • Homeowners Insurance
    • Our professional insurance agents can take a look at your current policy and help identify any holes in the coverage. Some common issues we find are: rebuild costs are underestimated, co-insurance is inadequate, personal property is undervalued and personal effects are not inventoried and/or not covered

  • Life Insurance
    • Life insurance is an important part of a protection plan for individuals, families and companies as well as employees.

Business Coverage (partial list)


  • General Liability
    • Insure the Lake can put together a package of property and liability insurance coverage designed to give you the best insurance value while still protecting you from many of the inherent risks in operating your business.
  • Loss Prevention
    • With our insurance company partners, we can evaluate your business’s current conditions and recommend ways to lower property insurance, auto insurance, workers’ compensation insurance or liability insurance losses. Fewer losses result in not only lowered insurance costs overall, but also increase your productivity by avoiding downtime.

  • Property & Casualty
    • Business property insurance covers the physical parts or your business. These are things like your building, equipment, furnishings, fixtures, inventory, computers, records and other valuable items. This insurance coverage helps repair or replace the building and its contents, and can also help provide income if your business can’t operate for a while after a covered loss.

  • Worker's Compensation
    • Whether you have one employee or hundreds, most states require you to have Worker’s Compensation insurance. This insurance protects employees by providing benefits for job-related injuries or illnesses. It protects you and your company by eliminating lawsuits from employees related to these injuries or illnesses. Every state has different insurance requirements, so it’s important to talk to your agent about what your insurance needs.

Insure the Lake also has specialty and unique item coverage.  If it needs insured, give Steve Naught a call.  He can help you!   


In addition to www.stevenaught.com and www.naught-naught.com, we are excited to announce the launch of a new website dedicated to providing all of your Lake of the Ozarks Insurance needs.  In the next week or so, www.InsureTheLake.com will be live, so stay tuned to our social media posts so that you can visit the new website.



Steve Naught, CIC

NAUGHT-NAUGHT AGENCY
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191
Send Email

Wednesday, September 3, 2014

We are blogging!

Insure the Lake for all of your Lake of the Ozarks Insurance needs!


We are happy to announce that we are once again blogging!  The Insure the Lake blog will be the place to visit to learn everything about insuring your family and your business.  We will talk about the great services we are offering, give you tips on finding the perfect insurance plan, and provide you ideas on what coverage you need for your business and your loved ones.  In addition, we will be showcasing the great things happening at the Lake of the Ozarks and anything else we think you might find interesting.

Steve Naught - Lake of the Ozarks

A little about Steve Naught


I am a Certified Insurance Counselor with the Naught-Naught Insurance Agency in beautiful Lake of the Ozarks. Our agency writes all types of insurance ranging from personal home and auto to business liability and workers compensation. We also work with clients on their health insurance and employee benefit needs.

Naught-Naught has grown to be one of the largest independent insurance agencies in the state serving 14 Missouri communities. We have contracts with over 50 companies and have access to most carriers on the open market. I work in Osage Beach at the lovely Lake of the Ozarks. I meet with clients about their specific needs and how to best protect them. I also work with clients on how to lower cost, increase safety and make their business more profitable.


In addition to our Blog, we are are also re-energizing our other social media channels.  Follow us on all of them to stay in the know about what is happening in insurance at the Lake of the Ozarks.  Here are our new links for Insure the Lake.

New Website is launching soon!


In addition to www.stevenaught.com and www.naught-naught.com, we are excited to announce the launch of a new website dedicated to providing all of your Lake of the Ozarks Insurance needs.  In the next week or so, www.InsureTheLake.com will be live, so stay tuned to our social media posts so that you can visit the new website.



Steve Naught, CIC

NAUGHT-NAUGHT AGENCY
3736 Osage Beach Parkway
Osage Beach, MO 65065
Next to Golden Coral

T: 573-348-2794
F: 573-348-0191
Send Email