Alternatives Insurance was established in St Louis County in the fall of 1992 . As our business grew and our coverage territory expanded, we needed a business model that would allow us to continue this growth and success. We recognized this could be accomplished if each additional location was staffed with committed service and management personnel who understood the principles and service standards we had developed at our first location. In 2004 we decided to establish the group as a "membership organization" in order to create a system that would allow us to continue the principles and standards we built for ourselves in 1992. Each Alternatives Insurance location is operated and managed by an individual committed to you, our client. In most cases, this manager owns the agency you will visit. As "licensed members", our managers understand their success is based entirely on your satisfaction. The Alternatives Insurance Group, along with our insurance carriers and affiliates, provide the tools each member needs to focus on what they know best - developing a coverage package tailored specifically for your needs. Our full line of products now include automobile, homeowners, watercraft, motorcycle, recreational vehicles, life, health, and commercial markets for every need. Whether you are a single person starting out in life or a retired empty-nester, we can offer the necessary products to fit you. Our Mission At the Alternatives Insurance Group - our associates are dedicated to providing every client with an insurance product tailored to fit their individual needs. Whether it be personal or business insurance needs, we will provide the tools and resources necessary. We will continue to review, improve and renew our products as well as maintain relationships with our insurance company partners. Our exceptional efforts and commitment ensure all of our clients' needs will be met completely and competitively by the Alternatives Insurance Group of Agencies.