Stephen is a 2nd generation professional of the property and casualty insurance industry. Early in his career, Stephen worked side by side with his father Bill Appelbaum CPCU, a 50+ year insurance veteran. In May of 2011, Stephen took a leadership role with a focus on strategic growth opportunities.

A graduate of St. John Vianney High School and University of Missouri St Louis, Stephen has a commitment to professional development. He graduated from the prestigious State Auto Pacesetter Property and Casualty program and continues to mentor young agents. Earning his Certified Insurance Counselor designation in 2012, Stephen became a member of the Missouri Association of Insurance Agents Education Committee serving independent insurance agents statewide by crafting topics for continuing education. It is thru this commitment to understanding the ever-changing insurance market that he delivers value to his clients. 

Stephen has specific experience in commercial general contracting, street and road contracting, large value property development, technology/engineering and non-profit social service agencies. Stephen has also created a team of insurance professionals that focus on high net worth, high profile individuals including business owners and professional athletes nationwide.

Outside of the office, Stephen is happily married to his wife Liz. They reside in Sunset Hills with their children Will, and twins Izzy and Ike. He is involved in multiple charities and US Masters Swimming.  The family enjoys time at their farm in St Genevieve MO on the weekends.