We have been serving the greater St. Louis and Metro East Illinois communities for close to 100 years. We have a long history of success helping our clients protect their assets. From home insurance, life insurance, and auto insurance to commercial insurance for large companies, we have the knowledge and expertise to make sure that you are well protected.
Most people are constantly aware of the rates on their auto insurance as this is usually paid directly by them, so they are constantly seeing the bills. However, most people have an escrow account for their mortgage that will include their property taxes and insurance premium. So, they usually don’t keep close tabs on their home insurance premiums.
Boat Insurance
Leave your worries ashore with our boat insurance program. Our programs will cover your boat, motor and trailer from damage along with any injuries to your passengers. It will also protect you from any liability arising out of an accident.
ATV Insurance
Many people today have a need for an ATV or Golf Cart. Whether you are a trail rider, hunter, rancher or you live in a gated community, a lot of people have added these units to their list of toys.Homeowner policies typically do not extend coverage to these type of units unless they are used SOLEY to maintain your premises. That is typically not the case. You may use it around your premises, but you may take it off your property for other uses as well. In order to protect these types of units properly, you must have an ATV or Golf Cart policy in force. These types of policies take the worry out of whether or not it is covered. They will give you the liability coverage to protect you against an accident and they will cover the unit itself in case of damage due to a theft, fire, vandalism or collision.
Inland Marine Insurance
Your job requires dozens of different tools and pieces of equipment. We're not just talking about small hand tools; we're talking about equipment such as cranes, earthmovers, tractors, stone crushers, bulldozers and scaffolding.
Homeowners Insurance is designed to protect your home against damages to the house itself, or to possessions in the home. Homeowners Policies also provide liability coverage against accidents in the home or on the property. Whether someone slips and falls on your icy driveway or trips over an extension cord, we will make sure your liability limits are adequate for any situation. As your lifestyle and your home changes and evolves, so should your homeowners insurance.
We will work hard to find a life insurance product and carrier that will best fit your needs and pocket book. We offer life products to handle immediate need to estate planning needs. We have access to all major carrier to find the right product for you...
Health Insurance
To help maintain the most comprehensive and competitive health insurance plans, we offer many healthcare insurance policies to the St. Louis metro area including...
Disability Insurance
Individual disability insurance is a very important part of a family's financial security. This will help protect the income stream of the family's income providers in case of an injury or sickness. This will protect your life style and can be used to all the monthly bills that will pile up due to an injury or illness. Most families can afford being off work for a few weeks but what if a few weeks turn into a few months, a few years or more? This coverage can take care of the worries of paying your bills while you focus on getting better.
Long Term Care
Long Term Care insurance is a great product to take care of you while you are in a skilled nursing facility. In ancient Greece the average person lived to age 18. Today we live to be much older. Some people can make it the century mark of age 100! Today it can cost up to $75,000 per year to stay in long term skilled nursing facilities. Would you have this kind of money to spare when you need it? Long term care insurance can provide the protection to take care of you while keeping you assets you worked so hard to accumulate intact.
For most companies their inventory is the life blood of their business. For others it might be their machines that generate their inventory. But no matter what your businesses life blood is, it is important to make sure that you have the correct limits on your property insurance in case of a loss from certain events such as theft or fire. Along with the businesses personal property it is also important to make sure that all of your buildings are properly insured so in the case a loss does occur to your building, your business can be up and running again as quick as possible.
Workers Compensation Insurance
Workers Compensation is designed to cover any injuries to employees caused from your business and also the employer from a lawsuit. Not only is having workers compensation insurance a law in most states, but it usually can be your most expensive policy as well. It is extremely important to make sure that your policy has the correct wages and class codes for your employees. We have multiple options when it comes to your workers compensation insurance from price, carrier and payments options, including a pay as you go option (if your business qualifies).
Commercial Liability Insurance
Umbrella liability insurance protects your business when accidents happen and your existing liability insurance policies cannot cover all expenses. Standard business liability coverage will take care of you in most situations, but when serious situations arise, umbrella liability insurance will help ensure that your business is protected. While no one wants accidents to happen, they do - and people sue.
In today's society, even a small mishap can result in a large lawsuit. That's why general liability insurance is essential for most companies. Liability insurance protects the assets of a business when it is sued for something it did (or didn't do) to cause an injury or property damage. Without the proper liability limits, your business could be in a serious risk for a big loss.