309-807-9748

305 W. Northtown Rd, Suite C
Normal, IL 61761

Info@HomeTownInsInc.com

Commercial Insurance

Commercial

Confused on what kind of business policies your company needs?  Every Business has different insurance needs. We do not take a cookie cutter approach to selling insurance. We can offer a comprehensive review of the coverages you need, the risks involved with your business, and advise you on your insurance program. Let us review your current policies to assess if you have the correct coverage and we can custom build policies that work best for your business plan.  Our agents are the people you can trust to design a strategy plan to guide and protect your business, it’s assets, and the employees who work for you. We not only write comprehensive insurance coverage for our customers, we create a long-term relationship of trust, knowledge and professional ethics in every situation.

Property / Liability

If you run a small business, what you don’t know about business insurance can hurt you. You have no need to fear because we are prepared to help you sort through the multifaceted aspects of Property and Liability insurance for your business. We are experts with a vast amount of knowledge, experience and resources to guide you through the terminology without becoming overwhelmed. Basic business property insurance covers your real property against unforeseen losses due to fire, lighting, vandalism, and other mishaps.

Liability insurance provides coverage in case your business is sued for something it did or didn’t do, that result in property damage, or injury to someone. These policies would cover the cost of damages awarded to an injured party, as well as the costs associated with your defense in a lawsuit.

Auto

Commercial auto coverage insures vehicles you use in your business that may be owned, leased, hired, or borrowed.  It is imperative to review your commercial auto exposure because many personal auto policies will exclude commercial exposure when an auto is being used in the course of business.  We can insure all types of exposure including automobiles, all types of trucks, trailers, semi-trailers, and buses. Contact us today for a review of your business automobile policy.

Workers Compensation

In many states it is mandatory for employers to carry Workers’ Compensation on their employees in the event of injuries sustained on the job. We can customize your policy and provide accurate classifications on the duties performed by your employees whether you have 1 employee, or 300, we have access to many Work Com Insurance programs allowing us to create a custom tailored program to help you find the best coverage available.

Directors & Officers Liability

This product protects the directors and officers of organizations in the event of a suit for an actual or alleged wrongful act in connection with management.  Many companies are not aware that the officers can be sued personally in the event of a malicious, or egregious, loss.  Large corporation, small company, or not-for-profit organization, we have access to the programs that can get D&O coverage tailored for your business

Errors & Omissions/Professional Liability

E&O Coverage is necessary to protect customers from liability arising from a negligent act, error, or omission in the performance of their professional service. An important benefit of these products is coverage for legal defense costs. Even when found innocent, the legal costs can be substantial.  We have access to markets that can provide E&O coverage to a vast array of businesses from business consulting to medical malpractice.

Cyber Liability

Cyber Liability is the latest hot topic amongst businesses today.  If you happen to collect, receive process, transmit, or maintain private or personal information, you have an exposure to Cyber Liability and most General Liability policies specifically exclude this exposure.  Many large companies are requiring proof of this coverage from many of their outsourced partners and we have access to some of the best markets in the Cyber Liability business that can not only provide insurance solutions to your specific needs, but can also provide highly valuable risk management tools to ensure your data is safe.

EPLI – Employment Practices Liability

Business owners with employees need EPLI to cover claims for harassment, discrimination, or wrongful termination. EPLI coverage is also included to help protect the organization in the event that an employee brings a suit or administrative charge related to the organization’s employment practices. They may include charges for sexual harassment, discrimination, or wrongful termination. Our agency can offer a comprehensive depth of coverage and supply advisement for any risks involved.

Umbrella

Business umbrella insurance is coverage that provides additional protection for your business in issues of liability and protection against lawsuits that could result in punitive damages. This coverage often extends to cover liabilities of employees and others who act on your behalf. Once your business liability is exhausted, a business umbrella policy can cover the costs and expenses you would be responsible for.  

Specialty for Transportation

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