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.  ...

By admin on Aug 3, 2016 in Blog | 0 comments

  Auto Insurance The right auto insurance policy can help get you back on the road quickly if your car is damaged or destroyed by accident, fire, theft, or other covered event. Your policy may also provide protection against medical and legal expenses resulting from injury, loss of life, or property damage caused by an accident involving your vehicle. An auto insurance policy is a contract between you and an insurance company. You pay a premium, and in exchange, the insurance company promises to pay for specific car-related financial losses during the term of the policy. Work with us to determine the best coverage for you. Insurance for cars, trucks, boats and more! Insurance Consultants, Inc. can insure your Motorcycle, Classic Car, Motor Home & RV, Boat & Jet Ski, and ATV too! Contact us at 636-812-3500 for more information today! MISSOURI – How much auto insurance is right for you? Based in O’Fallon, MO, our team understands the auto insurance needs of our customers. Auto insurance requirements vary by state. In some states, to drive you must carry: Liability coverage – to pay for losses you cause others, or: No-fault coverage – to pay you and your passengers for medical and related expenses caused by injuries from a car accident, regardless of who is at fault, or Both liability and no-fault coverage. We write insurance in Missouri and would be happy to help you ensure you have the right coverage for where you live. Even in states where coverage isn’t required, drivers must, by law, be able to pay for losses they cause others. Having insurance is the simplest way for most people to comply. To finance a car, it is usually necessary to have insurance which covers damage to your vehicle. This includes: Collision Insurance Collision insurance coverage pays for damage caused to your vehicle in an automobile accident. Standard collision coverage will pay for any repairs up to the fair market value of your car. Collision coverage usually also comes with an insurance deductible. It’s the amount of money you pay toward repairs before your collision insurance kicks in. The higher the deductible you’re willing to pay, the less the collision coverage will cost. Comprehensive Insurance...

By admin on Jul 27, 2016 in Blog | 0 comments

Identity Theft Identity Theft is on the rise in St. Louis and St. Charles County! Your Identity Belongs to You. Protect It! A 2009 survey shows that identity theft is on the rise – and it’s more likely to start with a stolen wallet than an online phishing expedition.   Researchers at Javelin Strategy & Research reported that the number of identity theft cases increased 22 percent to 9.9 million in 2008.   Crimes of opportunity, such as stolen wallets, represented 43 percent of cases, compared to 33 percent in 2007, indicating an increase in the desperation of criminals. Women were 26 percent more likely to be victims of identity theft, reporting a higher incidence of lost or stolen information during purchases in stores. Only 11 percent of cases involved online access.   The smartest way to protect yourself from identity theft is to prevent it from happening to you. However, if your identity is stolen, you’ll be able to lessen problems by acting quickly.   Call your credit card companies immediately. Explain what happened, and ask where to send a copy of the police report. Call and report to the police. Make several copies of police report. Complete a Federal Trade Commission (FTC) Theft Affidavit and FTC report (call 1-887-ID-THEFT to request the forms). Call your bank. They can place an alert on your Driver’s License number and Social Security Number, and freeze your account. Call fraud units of credit report agencies: Experian, Equifax, and Transunion.Fortunately, identity theft protection is available as an endorsement on most homeowners’ policies at a small cost. For example, Safeco offers Identity Theft Protection to homeowner policy holders. The coverage reimburses certain expenses associated with identity recovery. Customers can also get guidance on how to protect themselves from ID theft before it happens and may receive assistance with identity restoration. If you’re interested in learning more, call Tom or Brian at...

By admin on Jul 20, 2016 in Blog | 0 comments

Insurance to Value Do You Have Enough Coverage to Rebuild Your Home in St. Charles County?   Imagine how devastating it would be to lose your home in a fire. Now imagine not being able to rebuild it completely because you didn’t have the correct amount of insurance.   Selecting the proper amount of coverage is the single most important decision you can make with your Homeowners policy. Without it, you may not have enough coverage to rebuild after a total loss. This is called “insurance to value.” Below are some explanations and tips to help you make the right choices for your needs — and remember, if you need help, we’re just a phone call away!   What is insurance to value? Insurance to value is the relationship between the amount of coverage selected (typically listed as “Coverage A” or “Dwelling Coverage” on your policy declarations page) and the amount required to rebuild your home. Insuring your home for anything less than 100% insurance to value could mean you wouldn’t have enough coverage to replace your home in the event of a total loss   Why is the cost to rebuild different from the market value? A home’s market value reflects current economic conditions, taxes, school districts, the value of the land and location, and other factors unrelated to construction cost. The cost to rebuild your home is based only on the cost of materials and labor in your area.  It is important that you insure your home based on its reconstruction cost, NOT its current market value   Why is reconstruction more expensive than new construction? New-home builders typically build many homes at once, and solicit bids from various sub-contractors to receive the best pricing. Their business model is based on economies of scale. For example, they may purchase 20 bathtubs at once, securing a lower unit cost. These economies of scale don’t exist when building a single home.   How can I make sure I have the correct amount of insurance? Work with your agent to provide detailed information at time of purchase to be sure that you receive a thorough and accurate quote. Ask us about additional coverage options that may be available. Review your...