Siloam Springs

About Siloam Springs

Insurance in Siloam Springs, AR

Formerly known as Boone-Ritter Insurance.

Inszone writes insurance in Siloam Springs, AR from an office on North Broadway, in a downtown built along spring-fed Sager Creek. The city sits right on the Oklahoma line in Benton County, home to John Brown University and to employers like Simmons Foods.

Clients who know this office as Boone-Ritter Insurance will find the same team here, now part of Inszone. Boone-Ritter has served Northwest Arkansas since 1968, with a focus on commercial insurance for growing businesses and personal lines and employee benefits alongside.

Our team works with more than one of the insurance companies in Siloam Springs, AR, and joining Inszone has added more of them, so an Insurance Specialist can compare markets for a business or a household at each renewal. We also work with clients in nearby Gentry, Gravette and West Siloam Springs, Oklahoma.

Buy your insurance in Siloam Springs, AR!

Personal Insurance in Siloam Springs, AR

Arkansas requires liability limits of at least $25,000 per person, $50,000 per accident and $25,000 for property damage, and that is where car insurance in Siloam Springs starts. Insurers must also offer medical and income-loss benefits, which can be rejected in writing, and an Insurance Specialist can explain those options on a quote.

Spring storms and hail are the common property claims in Northwest Arkansas, so the wind and hail deductible deserves a close look on any home policy. Low ground along Sager Creek can also take on water in heavy rain, and standard homeowners and business policies exclude flood, which is written as a separate policy.

The office also writes renters, umbrella and life insurance for families on both sides of the state line. A homeowners policy is written for the house you live in, so landlords who rent to John Brown University students and staff usually place those homes on a dwelling policy.

Business Insurance in Siloam Springs, AR

Siloam Springs has a strong base of manufacturers and food producers for a city its size, along with small businesses downtown. Business insurance in Siloam Springs usually starts with general liability, commercial property, commercial auto and workers’ compensation, with umbrella coverage built around what each business does.

Being on the Oklahoma line means many businesses here operate in two states, and workers’ compensation, auto and contractor licensing rules differ between them. An Insurance Specialist can review how a policy should follow your work across the border. The office also handles employee benefits, from group health to life and supplemental coverage.

Your Local Insurance Agency in Siloam Springs, AR

Stop in at our North Broadway office, call the number in the contact details on this page, or use the quote form. You keep working with the same people you already know, now backed by the carriers and resources of a national brokerage.

We work with households and businesses across western Benton County and over the line in Oklahoma, and our Insurance Specialists can talk through the options available for your situation.

Get your free insurance quote!

FAQs

Is this the same office as Boone-Ritter Insurance in Siloam Springs?

Yes. Boone-Ritter Insurance, serving Northwest Arkansas since 1968, is now part of Inszone Insurance Services, with the same team working from the same North Broadway office. The team can go through your current policies whenever you are ready.

Can you insure a business that operates in both Arkansas and Oklahoma?

Yes. The office works with businesses on both sides of the line. Arkansas generally requires workers’ compensation once a business has three or more employees, while Oklahoma generally requires it from the first employee, and a policy may need to list both states when workers cross the border. An Insurance Specialist can review how that applies to your business.

Do I need flood insurance near Sager Creek?

Standard home and business policies exclude flood, and flooding can happen outside mapped high-risk areas. Most new flood policies have a 30-day waiting period before they take effect. An Insurance Specialist can quote flood coverage for a property near the creek so you can compare the options.

Does my Siloam Springs business need workers’ compensation insurance?

Arkansas generally requires workers’ compensation once a business has three or more employees, and building or building-repair contractors need it at two. Farm labor and a few other categories fall outside the requirement. An Insurance Specialist can confirm how the rule applies before you hire.

What car insurance do I need to drive in Siloam Springs?

Arkansas requires at least $25,000 per person, $50,000 per accident and $25,000 for property damage. Insurers must also offer medical and income-loss benefits, which you can reject in writing. An Insurance Specialist can show what those options and higher limits would cost.