Illinois Auto Insurance and GAP Coverage

Illinois Auto Insurance and Guaranteed Auto Protection "GAP Insurance". When purchasing or leasing a new car it is important to make sure that you have the proper insurance.  One option that needs to be considered is Guaranteed Auto Protection - GAP Insurance.  GAP Insurance covers the difference between what you owe on your vehicle and what the...

EMC: Choosing Drivers - What You Don’t Know Can Hurt You

Choosing Drivers - What You Don’t Know Can Hurt You Are you putting the right people in the driver’s seat of your vehicles? A driver’s past driving behavior is a good indicator of future accident...

Dashboard Cameras in Company Vehicles

Dashboard cameras have become increasingly popular with police departments, and now they are also being installed in commercial fleets because of their numerous benefits. The main reason companies are...

A Guide to Non-Owned and Hired Automobile Liability Coverage

Sometimes called business auto insurance, commercial auto / hired and non-owned auto insurance policies cover the cars, trucks, vans, and other vehicles you use in the course of business. Commercial ...

The ABCs of Air Bag Safety

The ABCs of Air Bag Safety According to the National Highway Traffic Safety Administration (NHTSA), an airbag propels out of a dashboard at 200 miles per hour – faster than the blink of an eye. Though...

Ways to Save on Gas

Ways to Save on Gas Regardless of the price of a gallon of gas, it is always great to be able to save. Often, the small things we do can add up to big savings. If you are looking to spend less time...

The Auto Insurance Basics You Should Know!

Automobile insurance serves as a safeguard against financial hardship in the event of an auto accident and assists in paying for damages if your company vehicle(s) is damaged, starts on fire or...

Are Your Employees Putting You At Risk?

According to the U.S. Census Bureau, there are more than 240 million registered motor vehicles in the United States, and an estimated one-fourth of those are used for business in some way. If you have...

Surviving a Business Interruption Loss: What You Need To Know

Surviving a Business Interruption Loss: What You Need To Know Superstorm Sandy caused $19 billion in insured property losses when it hit the northeast in 2012. Most of that was direct damage...

Screening New Hires Can Protect your Business

Is it possible to identify unsafe potential workers in advance? That's the business proposition offered by some testing firms. These companies create tests designed, in part, to identify workers and...

More Than 40% Of Small Businesses Will Experience A Claim

The Hartford Reports: More Than 40 Percent Of Small Businesses Will Experience A Claim In The Next 10 Years (Click above to view the entire Hartford’s Top Small Business Claims Infographic...

Using Company Cars for Personal Use - The coverage is not all there.

Does Anyone You Know Drive a Company Car? Picture this. Larry has been a salesman with the firm for some time, and has been driving a company-owned car for most of his tenure there. It makes...

Business Auto Insurance - Drive Other Car Coverage

  It's not uncommon for a business to provide an employee with a car or truck that is owned by the business.  The insurance is then purchased by the business on a Business Automobile Policy.    It's...

No, You Are Not Covered: Some Gaps That a Business Owner Policy Does Not Cover

No, You Are Not Covered: Some Gaps That a Business Owner Policy Does Not Cover The last thing a business owner wants in the event of an incident is for the claim not to be covered. In most...

Don't Go Thin On Insurance!

Struggling For Survival: Businesses That Went Thin On Insurance Imagine several small businesses located around the country. Each is well-established and profitable. Each of them bought...

Are You Financially Prepared For An Age Discrimination Lawsuit?

Are You Financially Prepared for an Age Discrimination Lawsuit? You pride yourself on running an honest business. You're careful to comply as best you can with laws and regulations. You instruct staff...

Important Steps To Follow After A Car Accident

Important Steps to Follow After A Car Accident In the event an accident occurs on the road, it is important to know what to do. People who already know how to react can help save their own lives, the...

Business or Personal?

  The question came up again this month on whose policy responds when an employee is involved in an accident while on the job.  Having a clear understanding of an insurance policy mechanics before an...

5 Winter Driving Tips from EMC Insurance

Five Winter Driving Tips for Illinois Drivers  No one knows how to handle large vehicles in inclement weather better than snow plow operators. The safety precautions these drivers take are appropriate...

Understanding Terrorism Insurance

Understanding Terrorism Insurance In The Chicagoland Area Terrorism insurance provides coverage to individuals and businesses in Chicago, Wheaton, & Alsip, Illinois, for potential losses due to acts...
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