-2.svg){kind=icon}
Proudly Serving Missouri’s Public Entities and Municipalities
For more than 40 years, First State Insurance Agency (FSIA) has proudly served clients across Missouri. As one of the state’s brokers for municipalities and taxing districts, we bring decades of experience and offer multiple products designed to support our community's business.
Our team’s extensive experience with Missouri municipalities has given us deep insight into the unique needs of public organizations, enabling us to deliver tailored insurance and benefits solutions that support their long-term success.
Our Commitment
FSIA’s commitment to adaptability sets us apart. When a major Missouri municipality evaluated 18 competing benefit programs, our FSIA insurance plan provided both value and enhanced coverages.
Since 1921, employers have trusted FSIA for expert guidance on employee benefits. Today, our dedicated Employee Benefits Department serves clients statewide—combining the resources of a large regional broker with the personalized service of a local partner.
We currently manage risk and insurance programs for 27 municipalities and related entities, including city governments, water departments, fire and ambulance districts, and engineering offices. As an independent agency, FSIA assists clients with options for their insurance needs.
Our Coverage Offerings
Commercial Offerings:
Wrongful Acts Liability
Law Enforcement Liability
Airport Operations
Drug Task Force
Water Treatment
Public Entities:
Water Districts
Fire Districts
Our Coverage Offerings
Wrongful Acts Liability
Water Districts
Law Enforcement Liability
Fire Districts
Airport Operations
Drug Task Force
Water Treatment
Primary Benefit Philosophies
Multi-Year Strategy: Long-term planning that stabilizes costs and supports sustained program performance.
.png?width=24&height=30&name=check%20circle%202%20(1).png){kind=small}
Data-Driven Plan Design: Decisions based on real insights—not guesswork—to create smarter benefits solutions.
Benefits as a Working Asset: Your benefits program is managed as a strategic tool that strengthens retention and employee satisfaction.
Ready to get started?
Get personalized support from someone who understands your local community and can guide you through every step of the process.
-1.png)