WGW insurance, is an independent insurance agency who will bring you competitive and comprehensive coverage options from several different insurance companies that specialize in Business insurance, Life & Health insurance, Employee Benefits programs, Bonds, and Personal insurance. We work for you! Getting you the best value and helping you keep your money! Locally owned and operated by Kansas City North natives Jeff White, Mark Grego and John White.
John White is a graduate of Oak Park High School and Southwest Baptist University where he played baseball. A natural salesman, John has worked in sales his entire career.
Most recently John was a real estate agent with Prudential Carter- Duffey, where he was a member of the Million- Dollar Club. He enjoys getting to know you so he can best match your needs with the right carrier.
A competitive billiards player, John also enjoys golf and time with his two daughters, Hannah and Lucy.
Mark Grego life long resident of the Northland. He graduated from North Kansas City High School in 1989. He later graduated from Southwest Missouri State (now known as Missouri State University) earning Bachelors in Science in Communications Management. After college, he spent many years in the commercial construction industry doing everything from sales to estimating to project management. With his extensive contruction background and knowledge to match businesses with the correct insurance companies in order to properly insured their business, employees, and customers.
Mark is an avid ourdoorsman in his spare time. He also enjoys spending time with his son Becker and his wife Kristi.
Jeff White, partner, graduated from Oak Park High School and Northwest Missouri State University before he was signed as a free agent by the Houston Astros organization. After some time spent there living his dream, he got his first taste of working in the insurance field selling accident and health insurance. Jeff is licensed to sell life and health and property and casualty in the states of Missouri and Kansas. He enjoys the challenge of finding the best products for the best price for his customers.
Besides playing competitive softball and golf, Jeff enjoys time with his daughter Jenna and wife Diannah.
The bulk of our business comes from referrals. We work hard to match our customers with the right carrier so that when you need insurance, you are completely covered. Time and again, we hear raving reviews from our customers about how when they needed it, their insurance was there to help them through the unexpected.
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Business Owners Policy
These policies combines property and general liability insurance coverage on a single discounted contract. There are several benefits to this policy but it is intended for smaller, less risky commercial accounts. Some of the coverages that may be included in a Business policy are:
Damage or destruction to your office equipment or inventory
Loss of income in case you have to close-up shop temporarily because of a covered property loss
Certain business related liability exposures such as bodily injury or property damage caused by your negligence as well as libel, slander and even certain offenses arising out of your business's advertising
Risks to your cargo while in transit or storage
Theft or loss of tools and equipment
Crime coverage including robbery, burglary, even employee dishonesty
Property Insurance
Protects the physical assets of a business from covered causes of loss (i.e. fire, vandalism, smoke, windstorm, lightning, etc). Physical assets of a business include buildings, personal property such as inventory and furniture & equipment as well as computers and cash.
There are numerous consequences that a business could incur if their property is damaged. These property loss consequences include:
Reduction in value
Extra cost to replace
Cost of debris removal
Business Interruption (loss of income)
Extra cost to operate
Loss of use value in betterments and improvements
Homeowners Insurance
For many, the biggest investment they will make in their lifetime is the purchase of a home. There are many types of homes: condominiums, co-ops, century old landmarks and newly built structures. Whether you own or rent, a home is a major investment, both financially and emotionally. If a disaster should occur, you want insurance protection that is broad enough to help you repair or rebuild your home and replace its belongings. That is exactly why it is so important to make sure that you are properly insured.
Homeowner's insurance provides protection for an owner-occupied property and includes coverage for the dwelling, other structures, personal property (i.e furniture, clothing, appliances, etc). Another important aspect of loss recovery is the need to find temporary housing while repairs are being made to your home. If a covered loss occurs, many would depend on their policy to help with the expenses incurred by temporary housing.
A homeowner's policy also provides personal liability coverage if you are sued for a negligent act, or if someone hurts themselves on your property. The liability component also extends well beyond the boundaries of your home. Should you be found legally at fault for injury or loss to another individual, whether you unfortunately caused a tumble down a flight of stairs or a fall in the garage, that is the personal liability portion of your policy that will respond.
Renters insurance is a necessity for anyone renting or subletting a home or apartment. Whether you live in a single family home, duplex, townhome, condo, loft, studio or apartment, you need to have renters insurance to protect your belongings and your liability. In fact, many landlords throughout America require tenants to purchase rental insurance when they sign a lease with their renter. The good news is that you can very easily compare affordable renters insurance policies online from the comfort of your home or office to find the best policy at the lowest price.
Property owners or landlords are required to hold homeowners coverage, which protects the actual structure of the house or apartment and the land it is located on. Most renters however, aren't aware that all the personal property inside the home are that of the tenants and therefore will only be covered if the tentant has a rental insurance policy.
If there was a flood, theft or fire in which the property and all the items inside the property were destroyed or stolen, the landlord would be covered for the property with the homeowner's coverage policy but the items inside the home would be the responsibility of the renter. If the renter has a renter's insurance policy, their valuables will be replaced by the replacement contents coverage. It's unfortunate for not planning in the case of loss, but if the renter does not have insurance, their belongings will have to be replaced out of their own pocket! Let us help you protect your belongings!
Get the Business Insurance You Need. No More, No Less.
We've spent more than a decade working with small business owners. Just by asking a few simple questions, we can cut through the confusing legal jargon to explain the policies that will meet the specific needs of your type of business. Business Insurance Now makes it easy for you to get the professional liability insurance, general liability insurance, errors and omissions insurance, and workers' compensation coverage you need – quickly, efficiently and affordably.
Personal Life/Health
Life Insurance
Who will take care of your family and your financial obligations when you die? How will your employees and your family members be protected when you are no longer present to manage your business? Who will make up for your charitable contributions to your church or charity when you die? Life insurance is the answer to these and many other financial questions. As an independent agent, we have a wide variety of life insurance companies to choose from.
There are a number of different life insurance programs available, and this variety can sometimes seem confusing. We can help you decide on the right type of life insurance policy and make important financial decisions for your individual situation.
Disability Insurance
If you owned a machine that generated thousands of dollars in income per year, would you insure it? Have you ever considered that you are such a machine? You insure your home, auto, life & health, but what about your paycheck? A long term disability could suspend or terminate your income for an extended period of time or may force you to close your business. Disability insurance protects your most valuable asset, your ability to earn an income. Let us find the best option for you!
Annuities & Other Retirement Products
Perhaps one of the greatest financial challenges you will face in your lifetime is preparing adequately for your retirement. You may need about 60 to 80% of your pre-retirement net income to ensure the type of retirement you want. Social Security, 401(k) and pension plans will definitely play a big role, but you may need more income than they provide. Annuities, which accumulate value on a tax-deferred basis, are one of several products we use to fill this void.
Long Term Care Insurance
With the advances in medical science, most of us will live well into our golden years. It's important to think in terms of the "quality" of a longer lifetime. You spend your lifetime working hard and saving for the future to ensure your security and the security of your family. But, we cannot predict the future, and you could eventually need care services on a long-term basis. The cost of receiving these services can jeopardize not only your lifestyle, but also the estate that you've spent your lifetime building.
Long Term Care Insurance is a way to preserve the assets you've accumulated. Whether you're cared for in a nursing home, assisted living facility, or in your own home with a care provider, we have a variety of Long Term Care Plans for you to choose from
Auto Insurance
Designed to help protect you and your car in the event of an accident, as well as providing for injured parties in an accident where you are at fault. A Personal Auto policy provides coverage liability, medical payments, uninsured or underinsured motorist liability, comprehensive ("other than collision"), collision, rental reimbursement and towing.
The majority of auto policies settle claims on an Actual Cash Value basis. The value of the motor vehicle is the value of the vehicle at that time of the loss or what it would cost to replace your vehicle with one in similar condition in your area. This may not be the same figure as the selling price of a vehicle of the same year and model because mileage, prior damage, wear and tear are considered when arriving at the actual cash value of the damage vehicle. There are some policies that will offer Agreed Value, which means there is a set value of the vehicle, and the premium is based on that amount. These types of policies are typically more expensive. Consult your agent to find out whether this type of coverage is available from your carrier.
The liability portion of the auto policy has two parts. The Bodily Injury liability coverage applies to injuries you or anyone insured under your policy becomes legally responsible for as a result of an accident. Medical payments coverage pays for reasonable medical expenses incurred by you or by your passengers in your vehicle regardless of who is at fault for the accident.
"Collision" and "Other Than Collision" coverages apply to your vehicle. Collision coverage pays for damage to your vehicle as a result of its impact with an object or its upset. "Other than collision" coverage applies to damage of your vehicle cause by vandalism, theft, glass breakage, falling objects, fire, explosion or earthquake, windstorm, hail, water or flood, or contact with bird or animal.
Helpful Insurance Links
Occupational Safety & Health Administration- www.osha.gov
On-line access to Motor Vehicle Reports for employers- www.screennow.com
Workers Comp Reports- www.state.vt.us/labind/wcomp/wcforms.htm
Workers Comp First Report of Injury - Missouri- http://www.dolir.mo.gov/wc/forms/WC-1-EDI-AI.pdf
Workers Comp First Report of Injury - Kansas- www.dol.ks.gov/wc/html/kwc1101a(Rev-02-06).pdf
Insurance Information Institute, A non-profit group sponsored by the insurance industry to provide general information about insurance.- www.iii.org
Highway Loss Data Institute, Information on car theft, collision and injury by car make, model and year. Contains extensive highway safety tips and info.- - http://www.carsafety.org
Insurance Institute for Highway Safety, Information and statistics on auto safety.- www.hwysafety.org
National Flood Insurance Program Information, This site is the official web page for the Federal Emergency Management Agency.- www.fema.gov/nfip/
The Life and Health Insurance Foundation for Education, (LIFE) is a non-profit organization designed to address the need for information and education on life, health,
and disability insurance.- www.life-line.org
NAICS Classification Table, The North American Industry Classification System (NAICS) is a series of number codes that attempts to classify all business establishments by the types of products or services they make available. This website allows you to type in an industry and find the NAIC code or vice versa.- www.naics.com
8103 N. Oak Trafficway
Kansas City, MO 64118
Phone: 816-436-4132
Fax: 816-436-4143
