Services
Commercial Insurance
Your first line of defense when unforeseen things happen with your commercial business.
We provide support and peace of mind to help see you through.
Commercial Insurance
Insurance that is used to cover any type of commercial property. Commercial property insurance protects commercial property from such perils as fire, theft and other disasters. This type of insurance is carried by a variety of businesses, including manufacturers, retailers, service-oriented businesses and not-for-profit organizations.
Workers Compensation Insurance
Workers compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employees right to sue his or her employer for the tort of negligence. The tradeoff between assured, limited coverage and lack of recourse outside the worker compensation system is known as the compensation bargain.
General Liability Insurance
Liability insurance is very important for those who may be held legally liable for the injuries of others, especially medical practitioners and business owners. A product manufacturer may purchase product liability insurance to cover them if a product is faulty and causes damage to the purchasers or any other third party. Business owners may purchase liability insurance that covers them if an employee is injured during business operations.
Contractors Insurance
This stand-alone policy covers the named insured liability for bodily injury (BI) and property damage (PD) caused by an independent contractor’s work for the insured. The policy to provides coverage for vicarious liability the project owner incurs as a result of the contractors acts or omissions on the project. The OCP policy also responds to liability arising out of the insureds own acts or omissions in connection with its general supervision of the contractors operations.
Commercial Vehicle Insurance
An insurance policy that covers the use of cars, trucks, vans and other vehicles in the course of carrying out its business. Coverage may include vehicles owned or leased by the company, hired by the company, or employee-owned vehicles used for business purposes.
Business Owners Insurance
A Business Owner Policy (BOP) insurance package combines protection from all major property and liability risks in one package. It’s usually sold at a premium less than the total cost of the individual’s coverage. These policies usually target small and medium-sized businesses and typically contain business interruption insurance, which provides reimbursement for up to a year of lost revenue resulting from an insured property loss.
Agribusiness Insurance
Our AgriBusiness Solutions focus on the insurance needs of commercial farming and agricultural businesses, and will work with you and your agent to design a property and liability package that encompasses your entire operation.
Special Event Insurance
A special event is defined as an event, such as a wedding, anniversary party, Bar Mitzvah, fair, carnival, exhibition, fundraising dinner or other event of short duration, usually lasting ten days or less.
Umbrella Insurance
Umbrella insurance provides broad insurance beyond traditional home and auto. It provides additional liability coverage above the limits of owners, auto, and boat insurance policies. It can also provide coverage for claims that may be excluded by the primary policies.
Personal Insurance
Your first line of defense when unforeseen things happen to you, your family, or your property.
We provide support and peace of mind to help see you through.
Auto Insurance
To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation. If you have any doubts about the appropriate level of automobile coverage that’s right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverage best suited to your needs.
Homeowners Insurance
The biggest investment most people will ever make is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan. Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Renters Insurance
The landlord of your apartment has insurance, but it probably only covers the building where you live – not your belongings or your liability for accidents. If your possessions are stolen during a break-in or damaged by a fire or severe weather, a renters insurance policy will allow you to recover their value. If someone is injured during an accident in your home, renters insurance will help protect you in the case a liability lawsuit.
Landlord Insurance
Renting your home? Protect yourself with landlord insurance. Your rental property is an important investment and can provide a steady source of income. But all sorts of hazards, from kitchen fires to lightning strikes, could damage your property – and your wallet.
Mobile Home Insurance
Do you enjoy taking your travel trailer or motor home and traveling across the country or just parking it for the weekend at an area campground? You can usually put these recreational vehicles on your auto insurance policy and be adequately protected. However, if you do extensive traveling or own the land where your recreational vehicles are parked, you may need more extensive protection than your auto policy is able to provide.
Motorcycle Insurance
Whether you are the weekend warrior or a diehard motorcycle fanatic, we can mold a motorcycle policy to meet the needs of the cross-country biker or the off-road enthusiast.
Boat Insurance
Leave your worries on the shore and enjoy being on the water! Fishing, cruising, waterskiing, or just parking and floating; we can provide a variety of coverage options that can protect your boat, personal watercraft, trailer, and equipment, as well as yourself. Protect your boat and passengers with boat insurance.
Recreational Vehicle Insurance
Do you like trail riding on a 4-wheeler or dirt bike? In most cases, your homeowner’s insurance policy does not protect your all-terrain vehicles (ATV) or the damage they can cause, but there are recreational vehicle policies that do provide this important protection. Protection that allows you to be worry free as while riding your ATV, enjoying the great outdoors.
Aviation Insurance
Aviation insurance is insurance coverage geared specifically to the operation of aircraft and the risks involved in aviation. Aviation insurance policies are distinctly different from those for other areas of transportation and tend to incorporate aviation terminology, as well as terminology, limits and clauses specific to aviation insurance.
Personal Umbrella
Liability claims often exceed the basic limits of liability afforded by an average home or auto policy. These claims, which may result from personal activities or professional or business endeavors, are covered by a personal umbrella liability policy. What if you were found at fault in a major traffic accident? Or what if you were sued for a weather-related mishap on your property – like ice on your driveway? An umbrella policy would have you covered.
Individual Life
Life insurance is a crucial step in planning for your and your family’s future. It can fulfill promises and obligations to your family when you’re no longer living. The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes, or any other expenses your survivors may incur. Life insurance may also be used to help ensure that a family business will pass to your intended survivor.
Individual Health
Whether you’re on your own, in between jobs, or have a child that needs individual health coverage, finding affordable health insurance for you and your family can be a challenge. Regardless of your personal situation, Envision Insurance Group can assist you with your individual health insurance needs! We offer affordable health insurance options to Illinois residents that are easy to understand and flexible enough to fit your unique needs.
Special Event Insurance
A special event is defined as an event, such as a wedding, anniversary party, Bar Mitzvah, fair, carnival, exhibition, fundraising dinner or other event of short duration, usually lasting ten days or less.
Life & Health Insurance
Your first line of defense when unforeseen things happen with your health.
We provide support and peace of mind to help see you through.
Group Life
Life insurance offered by an employer or large-scale entity (i.e. association or labor organization) to its workers or members. Group life insurance is typically offered as a piece of a larger employer or membership benefit package. By purchasing coverage through a provider on a wholesale basis for its members, the coverage costs each individual worker/member much less than if they had to purchase an individual policy. Those receiving coverage may not have to pay anything out of pocket for policy benefits or they may elect to have their portion of the premium payment deducted from their paycheck.
Group Health
Group health insurance plans are one of the major benefits offered by many employers. These plans are generally uniform in nature, offering the same benefits to all employees or members of the group. We can provide a number of different solutions for your group health plan depending on your business’s individual needs. We also offer group dental, vision, disability, cancer and other ancillary benefits.
Individual Life
Life insurance is a crucial step in planning for your and your family’s future. It can fulfill promises and obligations to your family when you’re no longer living. The death benefit is income-tax free and can be used to cover funeral expenses, repay debt, provide education, pay estate taxes, or any other expenses your survivors may incur. Life insurance may also be used to help ensure that a family business will pass to your intended survivor.
Individual Health
Whether you’re on your own, in between jobs, or have a child that needs individual health coverage, finding affordable health insurance for you and your family can be a challenge. We can provide health, dental, cancer, disability, long term care insurance and more. Regardless of your personal situation, Envision Insurance Group can assist you with your individual health insurance needs.
Medicare Supplements and Part D
Get help with some of your Medicare out of pocket expenses. We can help you choose the Medicare supplement and Part D prescription plan that is right for you. We can provide dental, cancer and long term care coverage as well.
Surety Bonds
Bonds are a guarantee that provide protection and indemnification.
We can help you choose the right bond for your needs.
License & Permit Bonds
Contractor License Highway and Street Permit Agent/Adjuster/Broker License Fuel Dealer Professional License Automobile Dealer Alcoholic Beverage Compliance Bonds
Public Official
Notary Public Sheriff Deputy Sheriff Constable Jailer County/City/School Treasurer Bonds Court Clerk Loan Closing Attorney FHA Schedule Bonds
Contract Bonds
Bid Bonds Supply Bonds Performance & Payment Bonds
Fidelity Bonds
ERISA (Pension Plans) Business Services Bonds (e.g. janitorial, home health care or security)
Captive Insurance Program
A group captive is an insurance company that is owned and operated by the members of the captive, strictly for the benefit of those members. These group captives offer a variety of advantages, including the following:
Loss-Sensitive Program Through an "A" Rated Carrier
Customers receive a guaranteed cost policy that is reinsured by the captive for workers' compensation, general liability, auto liability, and physical damage.
Group-Owned Captive
Collective purchasing power achieved by economies of scale.
Premiums Based on Individual Loss History and Exposures
Established performance throughout the market cycle.
Unbundled Structure
- Management
- Fronting reinsurance
- Third-party administration
- Actuarial services
- Financial services
Access to the Loss-Rated Program
- Specializes in insuring coverage lines with predictable frequency losses.
- Market fluctuations reduced since the carrier only accounts for roughly 20% of the total premium.
-Programs take a limited and quantifiable amount of risk to reduce costs over time.
Control Through Ownership
- Accrual of unused premium dollars plus investment income.
- Members gain authority over operating decisions.
Underwriting Profit
- Members retain surplus, not a traditional insurance company.
- Not class underwritten — based on member losses and exposure.
- Turns your insurance program into a profit center.
Service Providers Work With Members Individually
- Proven to drive down costs.
- Financial stability — "A" paper.
- Personalized risk management advice.
- Independent claims advocacy — 22% below industry average.
- Expertise and experience in regulatory aspects and capital management.
Captive Strategy - Frequently Asked Questions
- Company paying more than $200,000 for WC, GL, AL, and APD combined.
- Financially secure.
- Desire to take control, willing to be accountable.
- Company commitment to safety.
Premiums are developed based on analysis of the applicant's historical premiums, losses, and exposures. Expected loss funds are determined, and costs for the insurance product and services are added. This takes our insureds out of the hard and soft market cycle swings.
Protect Your Future with Confidence
Get expert guidance from West Central Illinois' trusted independent insurance advisors