Eyes in the Sky: What Fire Departments Need to Know

Fire Department Drones
How many times have you been to call and wished you could just see the building and fire at another angle...that you could get a full perspective before getting in there? Or wouldn't it be valuable if you could just see how effective your efforts to fight the fire are in real time, allowing you to adjust your approach as necessary? A manned aircraf...
Continue reading

Need a Commercial Bond? We Can Help

Commercial Bonds
Running a business comes with many requirements. Between taxes and licenses and registration, not to mention all the day-to-day operational concerns, owners have an overwhelming list of hoops to jump through. Though purchasing needed commercial bonds can feel like just another item on the list, working with a knowledgeable agent can help make the p...
Continue reading

Get Your LIFE Right

Life Insurance
You need life insurance. Even though 85% of consumers agree with that statement, only 62% have it. In fact, it is estimated that 70% of U.S. households with dependent children would struggle to meet their needs within only months in a situation where the primary wage earner died. That is scary. And even if you do have life insurance, without an ann...
Continue reading

Protect Assets with a Personal Umbrella

Personal-Umbrella
Everyone knows that you need Homeowner's Insurance to cover your home and personal property. And we wouldn't dream of driving around without car insurance. After all, having vehicle liability insurance is the law. However, no matter how good your insurance, a catastrophic accident where you are at fault can easily exceed the limits of your policies...
Continue reading

Required or Not, Work Comp is a Smart Move on the Farm

AdobeStock_86509902
Anyone who has ever worked on a farm knows that it is hard, and often hazardous, work. Injuries happen and that takes a toll on the productivity of the operation. Despite this inherent risk, Illinois "Agricultural Enterprises" that employ fewer than 400 working days of agricultural labor per quarter during the preceding calendar year have an e...
Continue reading

Car Renters Beware

AdobeStock_29911041
There's nothing better than jetting around on vacation in a fancy rental car. It's exciting to indulge in that red convertible or family van with all the bells and whistles. But before you enjoy this perk of vacationing, make sure that you know what your existing automobile insurance policy covers and what it does not. You could be suckered into bu...
Continue reading

Insure Smart, Landlords

AdobeStock_107039658
Owning rental property can be a great investment, but if you don't want that investment to become more of a burden than a blessing, make sure to properly protect it. 1. Understand  Your Property Coverage . Un derstanding your rental insurance coverages is absolutely critical. Because there is a desire to manage expenses, agents will often...
Continue reading

Hire Right. Fire Less.

We're Hiring!
Hiring great employees is the goal of every supervisor. We all know it makes everyone's jobs easier and BETTER when the team is put together properly. It also costs significantly less in regards to time, money, and productivity to hire the RIGHT person the FIRST time, rather than cycling through multiple people in the same position. In order to set...
Continue reading

Fallen Tree Fallout: Know Your Coverage

Falling Tree
A philosopher may ask, "If a tree falls in a forest and no one is around to hear it, does it make a sound?" We can't answer that. But if it falls on your property, it could very well do some damage, whether it happens quietly or not. Worse, your tree could fall on your neighbor's property...damaging a roof or a car. There are costs involved not onl...
Continue reading

Rented Ground: What Could Go Wrong?

Adequate Liability Insurance
Whether you are a landlord or a tenant, it is really tempting to skimp on insurance for bare dirt. After all, what liability could there possibly be with just dirt? You might be surprised to know the extent of exposure you have, even without a structure on that piece of property. Rod's London Bridge Our classic example at Compass comes from a clien...
Continue reading

Insurance for the Graduate? Check.

WelcomeFreshmen!
It's that time of year. The diplomas have been given. The caps have been exuberantly tossed in the air. The parental tears have been shed. Now, that day you've been dreading...or looking forward to...or, most likely, a little bit of both...has finally arrived. YOUR KID IS GOING OFF TO COLLEGE. The summer months will be a flurry of activity as you g...
Continue reading

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. ​...
Continue reading

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...
Continue reading

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...
Continue reading

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...
Continue reading

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...
Continue reading

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...
Continue reading

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...
Continue reading

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...
Continue reading

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...
Continue reading