Service Lines: An Insurance Blind Spot

Home Service Line
If your basement floods due to a broken utility pipe in your front yard, chances are, your homeowner's insurance covers much of the damage. That's the good news. The bad news is that the cost of digging up and replacing the broken pipe -- easily $3,000-$5,000 -- is probably not covered by your policy and the utility companies are also not liable. ​...
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Blanket Policies Offer Better Coverage

Blanket Commercial Policies
Insuring your property is a no-brainer for a business but specific limits on separate policies can leave businesses in a difficult position. Getting the RIGHT insurance is just as important as having it in the first place.Consider blanketing your commercial property to get the maximum protection. SEPARATE VS. BLANKET POLICIES Traditional policies i...
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What is Cyber Liability Insurance & Why You Need It

What is Cyber Liability Insurance & Why You Need It
If you don't use the Internet AT ALL for your business...... then you can skip this article.  Seriously, is it even possible to run a business without a presence online? Not having a website today is like not having a phone book ad twenty years ago...unheard of. But along with this presence comes some additional risks that are downri...
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Subcontractor Agreements for the WIN!

Subcontractor Agreements for the WIN!
General Contractors wouldn't dream of bringing in a subcontractor that didn't have insurance. If a subcontractor makes an error that leads to a lawsuit, the GC doesn't want to be held liable, right? ​​​ ​ ​ RIGHT..but WRONG too. Just having a valid certificate of insurance is only ONE component that is necessary to protect the GC. A detailed, writt...
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Elusive Auto Insurance Cards? Smartphones to the Rescue!

Elusive Auto Insurance Cards? Smartphones to the Rescue!
Providing proof of insurance when stopped by a police officer is the law, but finding those elusive Auto ID cards can sometimes be a challenge. ​​Our new Mobile App puts your Auto ID cards in the palm of your hand 24/7! Your insurance card must be presented to an officer upon request and, if it isn't, you may be issued a traffic citation. If convic...
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Farm Umbrellas: A Good Investment

Farm Umbrellas: A Good Investment
It's going to rain. There's no doubt about that.   The question is; will you have enough coverage when the storm blows in?  Farm Umbrella coverage, just like other umbrella policies, is designed to provide additional liability coverage on top of your regular policy. A Farm Umbrella is a "buffer" between a lawsuit and your livelihood. It i...
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Act Now or You May "WannaCry."

Act Now or You May "WannaCry."
Cyber Liability is a burgeoning area of insurance in a world where so much of our data is kept in the cloud. We'll share a blog about this soon. Yet, even more specifically, Cyberattacks like the "WannaCry" Ransomware that took the world by storm...we're not exaggerating here...it had a GLOBAL impact in over 150 countries  and losses of around...
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Hiring For Summer? Avoid these Common Mistakes

Hiring For Summer? Avoid these Common Mistakes
'Tis the season to hire summer help. The days are longer and warmer and those high school and college students are suddenly out in droves looking for seasonal work. Hiring summer help can be an amazing experience for both employers and students, but it critical to handle it properly. Following are a couple of pitfalls to avoid. Improper Designation...
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Identity Theft: More Than Credit Card Fraud

Identity Theft: More Than Credit Card Fraud
Imagine waking up one morning to find that your name has been used to open accounts, buy property, and enter into contracts that you've never even heard of, and that someone has been impersonating you for their own gain. Imagine getting erroneous bills and tax returns for YEARS and filing fraud reports over and over with no results.  This is m...
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New Website

New Website
We are tremendously excited to announce the launch of our redesigned website. This new site is one of many intentional steps we are taking over the next year to make doing business with Compass different than any other insurance agency in Central Illinois! We have 3 goals with our new site: To provide our customers with online access to their insur...
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