Coverage Options
Insurance & Financial Services for Every Stage of Life
From protecting your family's home to safeguarding your business and planning your financial future, Walt Holley Insurance & Financial Services offers comprehensive coverage and guidance across Missouri and Illinois.
Personal Insurance
Tailored coverage for individuals and families in St. Louis County and across MO & IL.
Auto Insurance
Whether you drive a single car or manage a household fleet, we find the right auto coverage to protect you on the road.
- Liability & collision coverage
- Uninsured motorist protection
- Roadside assistance options
- Multi-vehicle discounts available
Homeowners Insurance
Your home is likely your largest investment. We make sure it's protected against fire, theft, weather damage, and liability.
- Dwelling & personal property coverage
- Liability protection
- Additional living expenses
- Flood & earthquake endorsements available
Life Insurance
Protect the people who depend on you with term, whole, and universal life policies.
- Term life insurance
- Whole life insurance
- Universal life options
- Beneficiary planning guidance
Health Insurance
Access quality healthcare with individual and family health plans.
- Individual & family plans
- Marketplace plan guidance
- Supplemental health coverage
- Medicare supplement options
Renters Insurance
Affordable protection for everything you own when your landlord's policy doesn't cover your belongings.
- Personal property coverage
- Liability protection
- Loss of use coverage
- Affordable monthly premiums
Umbrella Insurance
An extra layer of liability coverage above your auto and home policies — protecting your assets when a major claim exceeds standard limits.
- Excess liability coverage
- Covers auto & home gaps
- Protects savings & assets
- Affordable for the coverage provided
Independent agency — we shop multiple carriers to find you the best rate
Commercial Insurance
Protect your business, employees, and assets with coverage built for St. Louis area businesses of all sizes.
Business Owner Policy (BOP)
Bundled property and general liability coverage in one cost-effective package — ideal for small to mid-size businesses.
- Property & liability in one policy
- Business interruption coverage
- Equipment breakdown protection
- Customizable for your industry
General Liability Insurance
Protect your business from third-party claims of bodily injury, property damage, and advertising injury.
- Bodily injury & property damage
- Products & completed operations
- Personal & advertising injury
- Medical payments coverage
Workers Compensation
Required in Missouri and Illinois for most employers — covers medical expenses and lost wages when employees are injured on the job.
- Medical expense coverage
- Lost wage replacement
- Employer liability protection
- MO & IL compliance guidance
Commercial Auto Insurance
Commercial auto insurance protects your company vehicles, drivers, and cargo that personal policies won't cover.
- Company vehicle coverage
- Fleet insurance options
- Hired & non-owned auto
- Driver liability protection
Commercial Property Insurance
Protect your business building, equipment, inventory, and furnishings against fire, theft, vandalism, and weather events.
- Building & contents coverage
- Equipment & inventory protection
- Business interruption add-on
- Replacement cost options
Professional Liability (E&O)
Errors and omissions insurance protects professional service businesses from claims of negligence, mistakes, or failure to deliver.
- Professional negligence claims
- Defense cost coverage
- Errors & omissions protection
- Available for many professions
Insurance and financial planning working together for your long-term security
Financial Services
Beyond insurance, Walt Holley helps individuals, families, and business owners build financial security through smart planning and the right financial products.
Retirement Planning
We help you build a strategy to reach your retirement goals — from IRAs and 401(k) rollovers to annuities and income planning.
- IRA & Roth IRA guidance
- 401(k) rollover assistance
- Annuity options
- Retirement income strategies
Life Insurance & Wealth Transfer
Use life insurance as a powerful financial planning tool to build wealth, minimize estate taxes, and transfer assets to the next generation.
- Whole & universal life strategies
- Estate planning integration
- Business succession planning
- Tax-advantaged wealth transfer
Annuities
Annuities provide guaranteed income you can't outlive. We help you evaluate fixed, indexed, and variable options for your retirement income plan.
- Fixed & indexed annuities
- Guaranteed lifetime income
- Tax-deferred growth
- Principal protection options
College Funding Strategies
We help families explore 529 plans, life insurance strategies, and other vehicles to fund college without derailing retirement goals.
- 529 college savings plans
- Life insurance funding strategies
- Education cost projections
- Balancing college & retirement savings
Business Financial Planning
Protect your business's financial future with key person insurance, buy-sell agreements, and executive benefit strategies.
- Key person insurance
- Buy-sell agreement funding
- Executive benefit plans
- Business continuity strategies
Medicare & Supplemental Coverage
We guide you through Medicare Supplement, Medicare Advantage, and Part D options so you get the coverage that fits your health and budget.
- Medicare Supplement (Medigap)
- Medicare Advantage plans
- Part D prescription coverage
- Annual plan review & comparison
Not Sure What Coverage or Plan You Need?
Every client's situation is different. Walt will take the time to understand your needs and recommend the right coverage or financial strategy — no pressure, no jargon.
Free, no-obligation quote
Tell us about your coverage needs and we'll find the right policy at the right price.
Get a Free QuoteServing St. Louis County · MO & IL Licensed