12 S. Riverside Ave., Suite D
St. Charles, IL 60174
Office: (630) 797-3700
Fax: (630) 797-3701
Mobile: (630) 263-7508
We offer insurance packages that are tailored for different types of businesses. Whether it is insurance for your building, business property, equipment, inventory or company vehicles, we offer products and services to protect your business. In addition, we offer group health and retirement plans.
Property Insurance covers the risk of property loss in a variety of commercial situations, including commercial buildings, equipment, furniture, fixtures, inventories, business records, supplies and other physical items.
Property Insurance may cover two types of property losses:
• Direct losses may be covered when property is lost, stolen, damaged or destroyed.
• Indirect or consequential losses related to direct losses may also be covered.
Commercial General Liability Insurance
Casualty Insurance consists primarily of liability coverages, which protect an insured party against injury or damage claims made by other parties.
Policies provide coverage for liability arising out of:
• Premises and Operation
• Fire Damage Liability (damage by fire to premises rented to insured)
• Personal and Advertising Injury
• Medical Payments
• Products/Completed Operations
You may want to consider a Business Owners Package which combines your Liability, Property and other types of coverage into one comprehensive policy and which can help you save time and money on your total insurance program. And since we live in an age of million-dollar lawsuits, you may also want to add extra liability protection in the form of a Commercial Umbrella Policy. We can tell you more about these plans and if they make sense for you.
Business Auto Insurance
Business Auto coverage insures vehicles that are owned, leased, hired or borrowed by businesses, whether they are associations, corporations, partnerships or sole proprietorships. Business Auto coverage may be used to insure private passenger autos and all types of trucks, trailers, semitrailers and commercial vehicles designed for use on public roads. We can give you more details about specific coverages and deductibles and about tailoring a Business Auto plan thats right for you and your business.
Workers' Compensation coverage applies to bodily injury and diseases arising out of and in the course of employment. Any bodily injury must be accidental, and the term includes death resulting from the accident. Only occupational diseases, which are unique to the occupation, are covered.
Workers' Compensation provides for the payment of four types of benefits:
• Medical benefits
• Income benefits
• Death benefits
• Rehabilitation benefits
A representative can provide you with complete details on Workers' Compensation Insurance and recommend cost-effective ways to control expenses through safety engineering and claim services.
Contact us today for more information about Commercial Insurance or fill out our online quote form.
Health Insurance is one of your most important needs. Without it, one serious illness or accident could wipe you out financially. We offer information that will help you decide which is the best plan for you and your budget.
Most Americans get health insurance through their jobs or are covered because a family member has insurance at work. This is called group insurance and is generally the least expensive kind.
Some employers offer only one health insurance plan. Some offer a choice of plans: a fee-for-service plan, a health maintenance organization (HMO), or a preferred provider organization (PPO). These plans differ in significant ways and can be explained in detail by our agent.
Not all employers offer health insurance. You might find this to be the case with your job, especially if you work for a small business or work part-time. If your employer does not offer health insurance, you can buy an individual policy, however, you should utilize your agent to compare your options and shop carefully for the best coverage for you.
Contact us today for more information about Group Insurance or fill out our online quote form.
Health care costs are high and getting higher. Who will pay your bills if you have a serious accident or a major illness? With health insurance, you protect yourself and your family in case you need medical care that has the potential to be very expensive.
There are several different types of individual health insurance. You can get fee-for-service, HMO or PPO plans, but you should know the differences and coverage limitations before making any purchase decision.
Policies differ widely in coverage and cost. Your agent will shop various policies to find the best one for you. He will make sure the policy protects you from large medical costs and does not contain any hidden exclusions or stipulations that you do not understand at the outset.
If your family includes just two adults, it is sometimes less expensive for each of you to have individual coverage than for just one of you to have a family plan. If you have children, or if you might have children soon, you need a family plan. Because situations change, it is important to review your health insurance regularly with your agent.
Cost is not the only consideration when buying health insurance. It is difficult to determine exactly what you will spend per year on health care. You do not know whether you will be sick 6 months from now and need an operation. You also need to consider the benefits of each policy - compare plans carefully for both cost and coverage with your agent.
Contact us today for more information about Health Insurance or fill out our online quote form.
Whether your passion is crops or livestock our coverage's are tailored to your needs. Did you know that Farm Insurance can cover the value of your crops and any farm equipment that you own? It can cover the barn, tractor and even the farm truck. We understand that farming and agriculture is your life and we will help you with all of your insurance needs.
What's covered under a basic policy
• Total loss of your home and certain damages
• Total loss of your barn or any building on the property
• Liability and Medical payments for visitor on your property with your permission not related to horse accidents
Basic coverage does not cover any accidents that are caused by equine, liability for employees or incidents not on your property.
• Crop Hail coverage
• Livestock Gross Margin
• Livestock Risk Protection
• Preventing Plant coverage
• Multiple Peril Crop coverage
• Equine Insurance
• Livestock Insurance
Contact us to learn more about Farm Insurance.
Did you know that some water damage to parts of your home may not be covered under your Homeowners policy? If you live in a high risk flood area, you may be required to have Flood Insurance. If you do not, we still might strongly recommend it.
The Government created the National Flood Insurance Program to help individuals protect against this kind of damage and to assist communities during time of flood. Make sure your home is covered from top to bottom if the worst should happen.
• Residential Building/Possessions
• Commercial Building/Possessions
What it covers
• Direct losses from a Flood
◦ Debris Removal
◦ Walls and Flooring
◦ Electrical, plumbing and HVAC systems
◦ Furnaces and water heaters
Contact us to learn more about Flood Insurance
Copyright 2014 Riverside Insurance Associates, LLC
Office: (630) 797-3700
Fax: (630) 797-3701
Mobile: (630) 263-7508