By admin on Sep 14, 2016 in Blog | 0 comments

Things to keep in mind when buying a car in St. Louis & St. Charles County   Buying a new car is an exciting time — but it can also be stressful. After all, you’re trying to get the best deal on price, while also deciding on the make, model and features you need.   Here at Insurance Consultants, Inc., we can’t really help you become a master negotiator when it comes to buying a car. But we can give you some things to consider when you’re looking around the lot — and when you’re trying to answer the age-old question of “new, or used?” Read on with an open mind, and you might just come to a different decision the next time you’re on the car lot.   New cars Ah, that new-car smell. It’s a bit of a cliché, but it’s one of the things that people love about climbing into a brand-new car. And while they make air fresheners that supposedly give you that same smell for your used car, it just doesn’t seem the same, does it? Still, there are other benefits to buying new — and, of course, there are drawbacks as well.   PRO — maintenance: Some manufacturers offer free scheduled maintenance for a set period of time after you buy the car, and you likely won’t need a new battery, tires, etc., for several years after your purchase. PRO — peace of mind: Your new car may have a warranty for up to 10 years, and also is covered by “lemon laws” that could allow for a replacement or refund if the car has serious defects. CON — cost: Depending on the make and model, buying a new car is almost always more expensive (at least in terms of the purchase price) than a used car.It’s also worth noting that if you purchase a new car in its first model year (meaning it’s a new model for the automaker), there won’t be many user reviews available, and data on reliability and repairs will be limited. In addition, sometimes newly introduced cars have some kinks that generally are ironed out by the second and third model years. These aren’t necessarily serious issues, and the...

By admin on Aug 31, 2016 in Blog | 0 comments

  Commercial Property Insurance Serving the unique needs of businesses in St. Louis & St. Charles Counties and all of Missouri One of the most common types of business insurance, commercial property insurance provides a wide range of coverage for buildings, inventory, equipment, tools and more. Losses from fire, break-in, vandalism, windstorm and other natural or manmade disasters are examples of what is typically covered.   A basic commercial property insurance policy may be all you need, although the types of coverage can vary between different insurance companies. As an independent agent, Insurance Consultants, Inc. can help you determine the type of insurance policy and range of coverage that is best for your business. For a full list of coverage available, or to learn more about this product, contact us today 636-812-3500.   MISSOURI – What you need to know about commercial property insurance   Building Do you own a commercial building? If so, do you have enough commercial property insurance to cover replacement costs?  Although cost estimators are available, we recommend that you secure an appraisal from a third party to accurately determine the current replacement cost of your building. Give Insurance Consultants, Inc. a call today at 636-812-3500, and we’ll help you determine if you have enough commercial property insurance for your business.   Flood Most commercial property policies exclude flood as a covered cause of loss. A separate policy must be purchased to protect you from resulting damage. Check your current property insurance policy to be sure you are covered. If you’re unsure, just ask Insurance Consultants, Inc. to review your coverage, and we’ll help you find the best solution.   Business Personal Property Business personal property insurance covers property at a specified location for furniture, fixtures, equipment and inventory. Be aware that most commercial property policies have very limited coverage for property taken off the specified location. If you have equipment that is frequently taken off-site to various locations, it is important that you have an inland marine policy (equipment or installation floater).   Business Income (Business Interruption Coverage) This coverage reimburses a business owner for lost profits and fixed expenses during the time that a business is closed. It applies while the premises are...

By admin on Aug 24, 2016 in Blog | 0 comments

  Commercial Auto Insurance for St. Louis, St. Charles & all of MISSOURI   Commercial auto insurance can cover a combination of vehicle types (trucks, cars) and drivers, as well as some types of motorized equipment. It provides for bodily injury liability and property damage while operating a company automobile, medical payments or Personal Injury Protection (PIP) for the driver and passengers of the policyholder’s car. Injuries or damage to someone else are also covered.   Hired/Non-owned Auto Liability Are you renting cars or are your employees using their own vehicles? This particular coverage provides business insurance coverage for certain liabilities arising from the use of a rented or leased vehicle (hired), or a non-owned vehicle (employee using their own vehicle on company business). Oftentimes this coverage can be added inexpensively to a business auto policy, or in some cases, a general liability policy.   Use of Personal Vehicles Insurance policies for privately owned vehicles may not cover damage to your privately owned car or truck when it is used for business, even home cosmetics, jewelry sales or a pizza delivery business.   Every business is unique – talk to Insurance Consultants, Inc. today to find out how to get the best commercial auto insurance, service, price and value. Give Insurance Consultants, Inc. a call at...

By admin on Aug 17, 2016 in Blog | 0 comments

Business Owners Policy – Serving St. Louis, St. Charles & all of MISSOURI   Business Owners Policy – Serving St. Louis, St. Charles & all of MISSOURI As a business owner, you strive to make decisions that are right for your business, your employees and yourself. This includes decisions about business insurance. You know you need excellent coverage. You don’t, however, have time to become an expert in business insurance. That’s where Insurance Consultants, Inc. can help. A Business Owners Policy (BOP) combines property, liability and business interruption coverage for small to medium-sized businesses. This packaged coverage is generally less expensive than when purchasing coverage separately. With a BOP you have the ability to customize the policy to meet your individual business needs. Perhaps you need general liability coverage that includes operations. Or, you need to add business auto coverage or commercial property insurance. Whether you are a home-based business, small service provider or contractor, Insurance Consultants, Inc. will work with you to find the right combination of business insurance coverage to meet your specific needs. Contact us 636-812-3500 today! Supplemental Coverage Available Extended liability for additional insureds. Debris removal, personal property. Tools and equipment. Valuable records protection and accounts receivable.   In addition to advising you on the right coverage, we provide additional services, such as:   Loss Prevention Programs—with our insurance company partners, we can evaluate your business’s current conditions and recommend ways to lower property, auto, workers compensation or liability losses. Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.    Quick Claim Response—when you do have a claim and need fast and fair service, we work with you to make that happen. That’s why we only represent companies with excellent records for settling claims fairly and promptly. Competitive Rates—many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.   To see if your business qualifies for one of these special programs, contact Insurance Consultants, Inc. for more information. Give us a call at...

By admin on Aug 10, 2016 in Blog | 0 comments

  Commercial & Business Insurance Business insurance professionals, serving St. Louis, St. Charles and ALL of Missouri   Insurance coverage that protects your company – so you can get back to business Insurance Consultants, Inc. knows business in our communities – you can find our offices in O’Fallon, MO, and our clients all around Missouri. As an independent insurance agency, we take pride in reviewing your options with multiple insurance companies and comparing protection and prices to find the best value for your business.   We’re proud members of the City of O’Fallon, MO marketplace, and we’re committed to being an advocate for you and your business in times of need.   Our commitment is to serving you Insurance Consultants, Inc. knows that in Missouri, there are as many unique insurance needs as we have neighbors who live here! To talk with one of our helpful team members about your insurance needs, contact us today.636-812-3500]     Commercial & Business Insurance– Insurance coverage that helps protect your business General Liability Insurance – Broad insurance coverage for your business and activities. Commercial Property Insurance – Protect your business with insurance for your commercial property. Business Auto Insurance – Cover your business with insurance for commercial vehicles. Commercial Umbrella Insurance – Insurance coverage that helps protect your business from the rising costs of lawsuits. Workers’ Compensation Insurance – Insurance coverage that helps you take care of your employees. Bonds – Protect your assets with financial backups for promises made by others.  ...