Carpenter & Company, Inc has been a trusted agency in America’s heartland since 1984. We are a team of trained professionals with the knowledge and experience required to provide realistic, feasible and affordable solutions to your insurance needs. Our six senior staff have a total of over 150 years in the insurance industry. This team has been built over time and we pride ourselves on relationships, professionalism and market knowledge. Customer service is our first goal and the best way to distinguish us from our competition. While insurance is the most conventional approach to risk management, there are alternative strategies such as selffunding and managed deductibles. Carpenter and Company excels in these areas as well. We established the Health Care Facilities of Missouri (HCFM) Workers Compensation Trust in 1991 which remains the best option for Missouri Nursing Homes

MNHIT is the largest most experienced self-insured trust for health care facilities in Missouri. Together with our third party administrator, Maxim Insurance Solutions, LC, we can provide a wide variety of insurance products, including insurance products and risk management services.

Rich & Cartmill Insurance offers special programs with pricing and coverages tailored to special sectors of business like long term care facilities. A full line of coverages such as package policies, workers compensation, commercial auto, and umbrella liability are available.