O’Fallon, Missouri

Welcome to our O’Fallon Missouri Office where we provide great insurance products to the entire St. Louis area!

Estal Insurance and Financial Services began from our O’Fallon Missouri Office in 2005 when Matt Estal opened up his first insurance agency. Affiliated with Nationwide Insurance at that time, Matt, with the help of our Operations Manager, Vicki Graning, began the agency by providing a variety of Personal Insurance, Home, Auto, Retirement, Life, Business and Agribusiness Insurance products throughout the O’Fallon and St. Louis area. You can find us at:

Mid America Specialty Markets
1656 Bryan Rd.
O’Fallon, MO  63368

Our O’Fallon office is a full service independent insurance agency servicing new and existing agency clients. It’s where you can find a experienced, dedicated staff of insurance producers (agents) and service personnel ready and able to help you with all of your local insurance needs.

Insurance Products We Provide O’Fallon and the St. Louis metro area

You’ll find our O’Fallon Missouri office offers a select group of special business insurance products throughout the O’Fallon and St. Louis area.  These products are unique in that they serve hard to find insurance coverage for day care operations, social service organizations, pest control applicators, tree trimming services, alarm installation and monitoring services, security agencies, sports clubs, fire extinguisher installation and servicing companies, beauty shops and personal services, along with many other types of businesses. Each of these special programs is designed to provide the broadest insurance coverage at an affordable price! Use the below links to learn more about these special coverage programs for your individual business!

Special Insurance Programs Available in the O’Fallon and St. Louis Missouri metro area include:

Just go to any of the above links to learn more about these special business insurance products. You can request a quote while on any of the individual pages or if you need a quick quote for your business right now just follow the Let’s Get Started link in the right hand column of this page or just click the button below! We’ll get in touch with you and get things started!

Get a Quote

As a full service independent insurance agency, our O’Fallon office also provides a full line of Personal Insurance Products Including:

  • Personal Auto Insurance
  • Homeowners Insurance
  • Condo Insurance
  • Renters Insurance
  • Landlord Insurance
  • Boat, Recreational Vehicle, 4 wheeler and Motorcycle Insurance
  • RV’s and Travel Trailers
  • Scheduled Jewelry and Other Personal Articles
  • Life Insurance and Retirement Planning

Business or commercial insurance remains a large part of what we do at Mid America Specialty Markets. While our special business insurance programs, as outlined above, are an important part of what we do in commercial, we also provide specific business insurance products for a broad range of commercial operations. Here’s just some of those business insurance products we have in our tool box to use for our clients:

  • Businessowners Coverage (for main street types of businesses)
  • Large Commercial Package Coverage (for the large commercial operations)
  • General Liability Insurance
  • Directors and Officers Liability
  • Products Liability Insurance
  • Errors and Omissions Coverage
  • Commercial Property Insurance
  • Business Income Coverage
  • Business Auto Insurance
  • Commercial Umbrella Coverage
  • Tool and Equipment Coverage
  • Cyber Liability Insurance
  • Workers Compensation
  • And More….

In addition to our commercial (business) Insurance and personal insurance product line we also offer a full line of Agribusiness Insurance Products including Farm Insurance Products out of our O’Fallon location. These include:

  • Agricultural Co-Ops
  • Seed, Feed, Grain and Hay Dealers Insurance
  • Feed and Grain Mill Insurance
  • Grain Elevator Insurance
  • Chemical and Fertilizer Dealers
  • Farm and Ranch Insurance
  • Crop, Pasture and Hail Insurance

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More About Our O’Fallon Office

O’Fallon also serves as our Home Office location. Even though our agency operations are spread out over the entire state of Missouri you’ll find we operate as a single unit. Each of our offices providing support for each other. For example our commercial operations are based in our Columbia and Springfield offices while our personal lines operations are based out of our Springfield office. Serving as the administrative hub of our agency, O’Fallon is where you will find our agency administrative staff and our Director of Operations.

Who You’ll Find at Our O’Fallon Office

Matt Estal – Agency Principal (Owner). Matt is the founding member of our agency. He graduated from the UMSL – University of Missouri St. Louis with his BS/BA in Business Administration. He holds his property and casualty license in 13 states and in addition maintains his series 6 and series 63 uniform securities agent license. Matt began his insurance career in 1998 working in the claims department with Safeco Insurance Company. In 2005 an opportunity became available to become one of the first exclusive agents for Nationwide Insurance in the entire state of Missouri. At this point he opened the Nationwide office in O’Fallon and began marketing business, personal, life and retirement planning insurance products throughout the state of Missouri. His interest and desire to expand our independent agency operation led to his acquisition of several smaller agencies throughout Missouri. In his role as agency principal (owner) of Mid America Specialty Markets he is tasked with the responsibilities of strategic agency planning, establishing agency growth targets, working with our commercial and personal insurance departments on expansion plans and overseeing general agency operations from a upper management level. His knowledge of agency operations and insurance carrier relations is exceptional. You’ll find as an active independent insurance agency principal, with plans for continued growth and expansion, Matt places a great emphasis on agency merger and acquisitions. He actively seeks out and interviews insurance agencies and agents, throughout the state, who are interested in becoming a part of our Mid America team. Matt is an alumni and very active supporter of the Lutheran High School of St. Charles County. He is a member of a various local chamber of commerce organizations. He is a supporter of the Nixa Baseball Club and the Nixa Booster Club.

Brandon McClure – Agency Principal (Equity Partner). Brandon is a graduate of Franklin University and holds his BS/BA in Financial Management with a minor in marketing. Pursuing his interest in the financial arena he entered the banking industry in 2003 as a senior vice president. In 2008 Brandon entered the insurance industry as a territory sales director for a large national insurance company. His responsibilities included presenting product and educational seminars and working direct with agents to assist in placement and management of insurance programs. Brandon joined Mid America Specialty Markets in early 2017 as an equity partner and agency principal. He currently works closely with our agency personal lines and commercial lines producers (agents) to develop and place a variety of insurance products. He is a member of our agency management team where he works closely with our personal and commercial staff to establish and monitor agency goals, and strategic agency planning.

Vicki Graning – Director of Operations. Vicki is a graduate of Bryant & Stratton Business Institute and began her insurance career in 2001 after holding various business positions in private industry. Her motivation to help clients is due to her loyal and compassionate nature as well as when she was a newlywed, she lost the diamond out of her engagement ring. Like most people she went to see her insurance agent only to discover that her ring was not scheduled on the insurance policy so there was no coverage for her lost diamond! A hard lesson learned but one that she remembers today and applies when dealing with our agency clients. She prides herself on listening to clients and educating them on the best coverage to fit the unique needs of their family. In 2007, due to a career change, they moved into the O’Fallon MO area from out of state. Once the family was settled, she sought out employment with Nationwide Insurance since it was a company she knew, trusted and had worked with before her move to Missouri. She discovered there was only one Nationwide office in the entire St. Louis area. (Nationwide had just ventured into Missouri only a few years earlier.) That’s how she met Matt Estal. Matt had established the office and had just relocated it to a new store front location. Since then she has been instrumental in assisting Matt and the agency as it continues to grow through hiring new agents, obtaining appointments with new carriers, mergers and acquisitions to the now 11 local offices and counting! As you can imagine, Vicki has held many positions in our agency which has allowed her to become knowledgeable in all aspects of the daily agency operations. Vicki is also a member of Nationwide’s Agency Operations Forum. She is a key member of our agency management team. Although she is a licensed insurance agent, her primary duties have evolved into working closely with our owners on setting and implementing agency procedures, managing our staff, human resources and all other aspects of running an independent insurance agency.

Jennifer Noles – Administrative Support / CSR.  Jennifer has worked at the O’Fallon office since 2013. Her primary duties are that of a support role for our agency administration staff. She provides help to our staff by directing incoming phone calls, filing and client data entry. She assists in the maintenance and integrity of our agency management system. Jennifer maintains agency contact information for all local offices. She works closely with our agency management on special agency projects as directed. Jennifer spends her spare time with her family and traveling. She has held leadership positions in local social organizations.

Elizabeth Heyen – Commercial Customer Service Representative (CSR). Elizabeth received her degree in Agribusiness and Horticulture from Illinois State University, Bloomington IL, in 2017. While in college she was an active member of the CFFA, Horticulture Club and Deaf Redbirds Association. She is a member of the FFA Alumni, an active member of her church and a member of the Illinois Farm Bureau. In 2017 Elizabeth earned her property and casualty insurance license. She is currently working towards earning her CPCU, Chartered Property and Casualty Underwriter, designation as conferred by The Institutes. The CPCU is a nationally recognized professional designation in property-casualty insurance and risk management. Elizabeth is a valuable member of our commercial team where she provides direct customer service and is tasked to maintain the integrity of commercial data used on our agency management system. She brings a wealth of knowledge to our agribusiness program clients. She also works closely with our commercial team on all issues ag related. Elizabeth also assists with service of our personal lines clients and when called upon provides support to the personal lines department. She has received her Farm Certification certificate and looks forward to a growing a future in the Agribusiness Insurance field! And did I mention, in her free time enjoys playing bass guitar!

Local Business and Social Affiliations

  • Member of the O’Fallon Chamber of Commerce
  • Member of the Western St. Charles Chamber of Commerce

Additional Areas We Serve From O’Fallon

O’Fallon, St. Peters, St. Charles, Chesterfield, Wentzville, Troy, West County, St. Louis, Entire St. Louis Metro Area, Washington, Hew Haven, Warrenton, Union, Pacific, Arnold

Contact Us

If you have a question, comment, or would like to discuss a claim or request a policy change, please use the form below to get the process started. Alternatively, you can also call our office directly and speak with a member of our team. Thank you!

O’Fallon MO
1656 Bryan Rd
O'Fallon, MO 63368
(636) 978-3696
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