YOUR LOCAL, INDEPENDENT INSURANCE TEAM
Your life isn’t
one-size-fits-all.
Neither are we.
Protect your business, home, and family with a local team you can reach directly. At Dougan, the agents who help you choose your coverage stay involved when you need service.
THE DOUGAN DIFFERENCE
Here before & after a loss.
100+
Combined years of experience
Experience shared across our team.
Family owned. Personally invested.
1,000+
Clients protected
Real people. Lasting relationships.
Illustrative count · owner to confirm
Sample count
20+
Insurance companies
More choice. A fit for your life.
Illustrative count · owner to confirm
Sample count
PERSONAL SERVICE. FROM DAY ONE.
Your agent when you buy.
Your agent when you need help.
One familiar agent. Direct answers. Personal help with your coverage, from your first conversation to whatever comes next.
A familiar person
Keep working with the agent who knows you and your coverage.
A direct connection
Clients receive their agent’s personal cell number for a more personal connection.
Help that continues
Our relationship continues after the policy is written.
COVERAGE FOR YOUR EVERYDAY
Your world, protected.
Insurance should fit your life. We’ll help you understand the choices and find a way forward.
01
Commercial insurance
For the contractors, truckers, and retailers who keep our communities moving.
✓ Workers’ compensation
✓ Business income & auto
02
Home & property
For the place you call home—and the life you’ve built inside it.
✓ Personal liability
✓ Annual coverage reviews
03
Auto insurance
For everyday drives and unexpected turns.
✓ Liability protection
✓ Changing drivers & needs
Also here for your farm, boat, RV, motorcycle, life, and health coverage.
LOCAL PEOPLE. LASTING RELATIONSHIPS.
Good advice starts
with people who care.
Meet the local people behind your coverage. Bring your questions—we’ll help make the details clearer.
Honest advice. Even when it means staying put.
If your current coverage is doing a good job, we’ll tell you. Your protection comes first.
LOCAL ROOTS. ROOM TO GROW.
Here in Stilwell.
Here for three states.
Our team is licensed in Kansas, Missouri, and Nebraska. From a home across the state line to a business with new plans, start with a conversation about what you need.
KS
Kansas
MO
Missouri
NE
Nebraska
PART OF THE COMMUNITY
Our roots run deep.
The Dougan family’s roots in Stanley reach back to 1876. That connection to the community is part of who we are—and how we care for the people and businesses we serve.
LET’S MAKE IT SIMPLE
A clearer path to coverage.
01
Tell us about you
Start with your home, business, family, or plans. We’ll listen and ask the right questions.
02
Understand your options
We’ll walk through the coverage choices, answer your questions, and help you see the details.
03
Keep moving forward
Choose your next step with confidence—and a local team you can turn to along the way.
MORE CHOICE. PERSONAL GUIDANCE.
Insurance companies we represent
Established names. A local team to help you choose.
YOUR QUESTIONS, ANSWERED
Clear answers. Confident decisions.
What to know about choosing coverage, reviewing your policy, and working with our team.
What is the advantage of working with an independent insurance agency?
An independent agency gives you access to options from multiple insurance companies through one local team. At Dougan, we help you compare coverage from the insurers we represent and understand differences in limits, deductibles, and policy terms. You have an agent to talk with about the trade-offs and to contact when your needs change.
Can you review my current policy before I decide to switch?
Yes. Bring your current policy and tell us what has changed in your home, vehicles, family, or business. We can talk through your coverage, deductibles, and questions, then discuss whether other options are worth considering. A lower price may come with different protection. If your current coverage is doing a good job, we’ll tell you.
My insurance premium increased. Can you help me understand my options?
Yes. Bring your renewal notice and current policy so we can discuss what changed. We can review your coverage choices, discuss discounts you may qualify for, and explore options with the insurers we represent. Compare coverage and deductibles alongside the price: a cheaper policy may leave you paying more after a loss. Savings depend on your circumstances and the available options.
What information do you need to prepare a quote?
Have your current policy’s declarations page—the summary of your coverage limits and deductibles—and renewal date handy, if you have insurance already. For home or auto coverage, gather property or vehicle details and information about drivers. For a business, start with what you do, where you operate, and your vehicles and employees. Tell us about recent changes; your agent can explain what else is needed.
Can I switch insurance before my policy renews?
It may be possible, but the timing and costs depend on the type of insurance and your policy’s terms. Before making a change, check cancellation requirements, any fees or refund terms, and when replacement coverage will take effect. Keep your existing protection in place until the new coverage is confirmed and effective. Life and health insurance have additional considerations, so discuss those separately with your agent.
Who helps me after I buy a policy—including changes and claims?
Your relationship with Dougan continues after your policy is written. Our agents personally handle service questions and policy changes, and clients receive their agent’s direct contact information. If you have a claim, your policy documents list the insurer’s reporting instructions. Your Dougan agent can help you understand the next steps; the insurance company evaluates coverage and handles the claim.
A CLEARER PICTURE STARTS HERE
Know what you have.
Understand what you need.
Tell us what you’re protecting. We’ll listen, review your options, and explain your next steps. Have a current policy? Bring it along.