Commercial insurance for Clinton-area employers

What it covers

A commercial program usually starts with property and business income, so a fire or storm does not also take the revenue with it, and general liability for injuries and damage to others. Workers' compensation is required once you have employees. Commercial auto covers the vehicles the business owns or drives, and equipment breakdown, cyber liability, and an umbrella policy fill the gaps that a growing operation opens up. We build the program around how you actually operate rather than a package off the shelf.

• Commercial property and business income
• General liability
• Workers' compensation
• Commercial auto and fleet
• Equipment breakdown
• Cyber liability and data breach
• Fire, flood, and natural disaster
• Umbrella and excess liability

Who it's for

Main Street retailers, contractors, manufacturers, and trucking operations in Clinton and the surrounding counties, from a one-truck business to an employer with a full shop floor. If you are starting out, we will tell you which coverages you need on day one and which can wait.

Why quote it with an independent agent

Drew spent three years as a commercial lines underwriter before joining the agency, so we know what carriers look for and how to present your account. That matters at renewal and it matters at claim time, when we are on your side of the table and know the process.

Good to know

Smaller operations often start with a business owners policy, which packages property, business income, and general liability at a lower cost than buying each separately, then add the pieces the business actually needs: commercial auto for the trucks, workers' compensation once there is payroll, cyber coverage if you take payments or keep customer data, and an umbrella when a contract asks for higher limits. Contractors and vendors are routinely asked for certificates of insurance, and we issue those the same day.

Iowa and Illinois both require workers' compensation for nearly every employer with employees, and the premium is set by payroll and job classification, so an accurate class code matters. If you are switching carriers, the loss runs from your current insurer are the first thing an underwriter looks at, and presenting them well is a big part of getting a competitive quote.

What to bring for a quote

• Legal name, entity type, and a plain description of what the business does
• Payroll by job class, for workers' compensation
• Annual revenue
• Locations, with building and contents values
• A list of vehicles and the people who drive them
• Current policies and loss runs, if you are already insured

Start online and we will follow up for anything we still need. Start a business quote, or call (563) 242-4000.