liability, property, workers’ compensation, business income, auto and fleet, umbrella, bonding, and industry-specific coverages. It also offers specialized solutions for real estate portfolios and multi-property owners, including combined portfolio policies and related liability and loss-of-rents coverage. For non-profit organizations, Skarin Agency structures policies that address directors and officers liability, employment practices, abuse, and participant accident risks. Through its relationship with Missouri General Insurance, the agency can arrange employee benefits programs and access an online quote tool. Skarin Agency additionally supports individuals with personal lines insurance such as home, renters, auto, umbrella, and other personal coverages.