Hi, I like Ole Hickory down in Cape Girardeau, MO which is about 1.5 hours drive down I-55 from St. Louis. They have many choices and the expertise to help out. I can't stress enough that they need to contact the health department but even more important is zoning. They are the ones who will give ultimate approval. Just b/c they are buying an existing restaurant doesn't mean they are zoned to be able to blow smoke. Smoking up a residential area can be a huge issue! I doubt the insurance carrier will care as long as the smoker is UL approved and installed properly.
Hope this helps.