Business Insurance

Our Agency  has years of experience in providing commercial insurance, offering a complete range of insurance and employee benefit solutions from top name carriers. Let us help you in  selecting the right solution for your particular business. Below is a partial list of insurance coverages we offer along with a summary definition of the coverage.

General Liability

Liability insurance protects the assets of a business when it is sued for something         it is liable for by causing an injury or property damage. Covered general liability claims can include bodily injury, property damage, personal injury, and advertising injury (damage from slander or false advertising). The insurance company can cover     compensatory and general damages as well. Punitive damages aren't covered         because they're considered to be punishment for intentional acts.

Transferring risk is what it's all about ! For many businesses, this is one of the         largest exposures. General Liability insurance comes in many different "shapes and      sizes", we can tailor a program specific to your needs and risk tolerance. Price,         coverage and your company's specific requirements help us develop an attractive         insurance program designed just for your needs !

Worker's Compensation    

 A  mandated form of insurance covering workers injured in job-related accidents. It's right up there with payroll and taxes. Finding the best price is only half the battle. In addition, we help you keep those costs down by providing Claims Administrations, Experience Modification Analysis and Safety/Loss Control assistance. We have access to just about every insurance carrier in Illinois and Missouri including some exclusive programs.

WRAP / OCIP / CCIP or "WRAP-up" Coverage 

Have a multi-unit project and can't get subs to bid ? Whether you are a sub, GC or         developer, you need to know what you are getting with these programs. WRAP /         OCIP / CCIP insurance is specific to a named project or projects. It covers all trades       under one policy. All WRAPS aren't created equal, Our Insurance staff has unique expertise in negotiating WRAP-ups.

The policy may include general liability insurance, workers' compensation insurance ,  umbrella liability insurance, payment and performance bonds, and builders' risk          insurance. By insuring all under one policy, premiums are reduced, coverage can be     increased and duplication of coverages is avoided.

Umbrella / Excess Liability Insurance 

Umbrella, or excess liability insurance, provides additional liability coverage (above     general liability limits) for specific risks once a policy's coverage limit has been         exhausted. It also provides additional liability for certain risks that would not be         covered by the primary insurance policy.

Property and Equipment Insurance   

Property insurance covers items like your buildings, leasehold improvements, signage, equipment and personal property. It can include coverage for employee theft, forgery and/or dishonesty. There may also be coverage for contract penalties assessed against you if you can not complete the work because the property being installed was damaged by a covered loss.

Equipment breakdown insurance covers repair and replacement costs of the insured   equipment - items like computers, air-conditioners, water heaters and electrical         systems.

Commercial Auto Insurance    

This is important insurance to get right the first time. We help select the options that   apply to your business risks. This insurance covers your business autos, or     employees while they use their personal autos on company business. There are        other coverage enhancements that may be needed as well for permanently installed   electronic equipment, rental autos, lease gap coverage and more...

Professional Liability Insurance    

We can ease your executive protection worries by covering you with a tailored         program of professional liability insurance. Coverage in risk areas like - employment   practices liability, errors & omissions, Directors & Officers liability, crime / financial     fidelity, fiduciary liability and Internet liability.

Directors and Officers Liability Insurance

Directors and Officers Liability Insurance is insurance payable to the directors and        officers of a company, or to the corporation itself, to cover damages or defense         costs in the event they are sued for wrongful acts while they are (were) with that         company. Directors and Officers Liability insurance is commonly purchased with a        companion product "Company Reimbursement Insurance".

Commercial Earthquake Insurance    

Commercial earthquake insurance can be very important in Some Cases, where         earthquakes are a fact of life. Most commercial property policies exclude coverage for earthquake damage (including earthquake sprinkler damage, etc.).

Fidelity and Fiduciary Insurance    

A fidelity bond provides coverage for dishonest and/or fraudulent acts of employees   that could arise in the course of handling money or securities of others. A fidelity         bond may also be referred to as an employee dishonesty bond. One variation of the    fidelity bond is the ERISA fidelity bond which provides coverage for dishonest and/or  fraudulent acts of trustees.

Fiduciary liability insurance (also referred to as ERISA liability insurance) provides         coverage for breaches of fiduciary duty by ERISA plan fiduciaries. Unlike the fidelity      bond, fiduciary liability insurance offers plan fiduciaries protection of personal assets.

Pollution Coverage        

There are various forms of environmental insurance from cleaning up a site or future   pollution liability of a site  (Pollution Legal Liability) to construction projects which cover environmental conditions that occur during and as a result of the construction project work. This second insurance program is controlled by the contractor (Contractor Pollution Legal Liability Coverage) . These policies are generally more aggressive in providing mold coverage than with the Pollution Legal Liability insurance.

Business Continuation Insurance    

Business continuation insurance covers the life or lives of employees whose         demise would have a substantial financial impact on the surviving organization’s         ability to function and prosper in its future, typically these might be persons who have  essential management, marketing, financial or technical expertise.

For instance - should a partner/corporate officer die or become disabled, business       continuation insurance provides cash to the surviving partners/stockholders to         continue the business or purchase the stock or interest of the deceased or         disabled partner.

Group Benefits including Group Health

Second to payroll, employee benefit costs are often the highest expense item in a        company's financial statement. We recognize that all companies' benefit needs are     not the same. We provide each client with a personalized Market Analysis based on     their unique circumstances. We become an extension of your Human Resources         Department by providing new employee enrollment, eligibility, COBRA administration, and claims resolution.

Benefits represent a large percentage of an employee's total cost. Worker's         Compensation, State Disability, Social Security, Unemployment, Sick Leave and         Vacation time are all benefits provided by you, the employer. This employer "value" is  recognized and highlighted by our Insurance  Services providing each of your         employees with a personalized Bene-Check illustrating not only the cost of their         traditional benefits (health, dental, vision, etc) but also the cost of all the other         valuable benefits.

Commercial Surety  

Let us help you decide on the right bond coverage to minimize your business risks.       Here is a common example of a commercial bond we offer:

A License / Permit bond that guarantees a company or individual will operate in         accordance with governmental statues, regulations and ordinances. There are         numerous obligation scenarios depending on the specific bond.

Risk Management    

Our experienced team can help in you in your company's risk management -         identification, assessment, avoidance, reduction and acceptance. We align         coverages with exposures, identify coverage gaps, offer insurance and non-         insurance risk control options and quantitatively determine costs of risk.


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