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Auto insurance plans in the Chicago region are designed to help cover potential car-related damages, loss or injuries from a financial perspective. Maintaining proper auto insurance in the Chicago region not only helps protect you and your vehicle in the case of accident, but it also serves to protect your passengers, other drivers, pedestrians and property. Additionally, auto insurance helps protect you in the event of a lawsuit associated with an incident involving your car.
With so many auto insurance companies available in the Chicago region, as well as various coverage options to choose from, it’s easy to get overwhelmed when deciding which particular company and insurance plan is a good fit for you. But with Beneficial insurance we consider each client’s individual needs and make the process of obtaining affordable insurance a quick and easy process!
We will provide you with auto insurance rates from multiple insurance companies to help you shop for the best combination of price and coverage and clearly explain the options, so you can make the best decision on which plan works best for you.
Protect your boat or personal watercraft with boat insurance in the Chicago area. There are plenty of options with your coverage, including roadside assistance, on water towing, total loss replacement, and also covering anything that is attached to your boat. It will also cover any liability issues that may be caused by an accident.
With boat insurance, you can cover all kinds of boats, like personal watercraft, jet boats, sailboats, fishing boats or house boats, let us show you the best boat insurance option in the Chicago area for your watercraft.
Business Crime Insurance covers all types of crime that could affect your business. From crooked employees who have stolen from you, any burglaries or robberies to your business, computer fraud or forgery/copyright issues.
Today, there are more opportunities for wrongdoing than ever. Whether you’ve just started a company or your business is established and growing, make sure all the hard work you put into your business is covered. Don’t let criminal behavior affect your bottom line. Contact one of our experts to put together a custom business crime insurance plan
Being a business owner comes along with many responsibilities and one of those important factors includes managing the many things that can go wrong within your company on a daily basis. With business insurance, it covers many different aspects a business would need coverage for. For example business insurance can help your business in the following situations:
- Protects against loss or damage to the business location and its contents.
- Protects your business if it would be sued.
- Coverage of business vehicles used
- Coverage of employee injuries on the job.
- Covers your business in case there is an interruption of business.
Our experts can go over your business model and let you know about all the different business insurance plans and how each kind works for you best. There are many types of business insurance programs that can cover you no matter what type of business you are in. Here are some of our most popular business insurance programs
- Property
- Liability
- Workers Compensation
- Commercial Auto
- Business Interruption Insurance
- Business Crime Insurance
If you don’t see something that fits your business model, contact us today for a custom business insurance plan that fits your business.
Liability insurance protects your business when it’s sued for negligence. As a business owner you know there are many variables that can come with owning a business. You are liable for unintentional accidents, mistakes or injuries in which you or your employees may be involved in. Business liability insurance helps you with the costs of legal defense and legal damages. It covers medical expenses, attorney fees and damages when you are legally responsible and other expenses you might have never thought of.
Anyone who comes in contact with your business can file a claim or lawsuit against you. Someone can trip and fall, and now needs money for medical bills, business liability has you covered. A client purchases a product of yours and it proves defective, and you have to pay for attorney fees and damages, business liability has you covered. You have a disgruntled ex-employee who is bringing legal action against you, again business liability has you covered.
Every business is different, let us put together a business liability program that works best for you business.
Business interruption insurance keeps your business from any losses or damage to the cash flow and profits of a business because of an interruption. If something happens where you can not operate your business, even if it’s out of your control, you still have to pay the bills. Don’t be in the situation where you have to close your doors temporarily, interruption insurance has you covered.
Property insurance covers any broken property, but doesn’t cover any lost money that could be caused because of down time. With business interruption insurance you can keep your business running, get coverage for lost net income, continue paying expenses such as mortgage, advertising, taxes and salaries, is can even pay any relocation and advertising fees if you have to move to a temporary site
Your personal car insurance policy doesn’t cover vehicles used by your business, which is why commercial auto coverage is important. If you use vehicles to provide your employees a way to get around, or to move equipment and/or products you need commercial auto insurance. Protect against traffic accidents, vandalism, or even if an uninsured driver hits your vehicle.
Commercial auto coverage insures against property damage to vehicles and damage caused to others by those vehicles. We can cover any commercial vehicle from a business car, van, semi trucks, even a dump truck. Let our experts put together a policy that helps protect your business’ investment.
Cyber Liability insurance is designed to cover liability and property losses that may result from a business engaging in numerous electronic activities, such as e-commerce or data-collection within its internal electronic network. Cyber and Privacy policies cover a business’ liability for a data breach in which a company’s client base and their personal information, such as social security or credit card numbers, are exposed or stolen.
Cyber Liability insurance covers a variety of expenses associated with data breaches, including, but not limited to, notification costs, credit monitoring, cost’s for defending claims by state regulators, fines and penalties, and losses resulting from identity theft. In addition, the policies cover liability arising from website media content, as well as, property exposure from business interruption, data loss/destruction, computer fraud, funds transfer loss and cyber extortion. Some elements of Cyber Liability insurance may interconnect and/or overlap with existing products from other policies, however, any prudent Cyber Liability policy will ensure cyber risks are fully catered to and addressed upon terms of agreement.
At Security First Insurance Agency, searching for the perfect solution is as easy as a couple clicks of the mouse. Security First Insurance Agency will help you find the plan you need at the rate you can afford. Your options will be clearly and diligently explained, and Security First Insurance Agency will work tirelessly until a policy that makes sense for you is found. Call today and let Security First Insurance Agency make life easy on you.
Errors and Omissions (E&O) insurance protects a company, or an individual, in the event that a client holds the company or individual responsible for a service provided, or failed to provide, in which the client did not obtain the anticipated results. In plain terms, it provides protection for a company or individual in the event that an error or omission on the company or individuals part has caused a financial loss for the client.
By not purchasing E&O insurance, a company or individual may be taking a very serious financial risk as these types of losses are not covered under General Liability insurance. The cost may vary depending upon the business and location, as well as, claims experience. As with any insurance policy, the best time to buy an E&O policy is before a risk actually occurs. In addition, each policy must be looked over carefully to ensure that the coverage being offered fits the exposure of a particular company or individual.
Most E&O policies are written on a “claims made” or “claims made and reported” form. This means that all claims covered under the policy must be made or, in some cases, made and reported, within the policy period. These policies have a retroactive date that is very important and claims that arrive prior to the retroactive date will not be covered.
At Security First Insurance Agency, searching for the perfect solution is as easy as a couple clicks of the mouse. Security First Insurance Agency will help you find the plan you need at the rate you can afford. Your options will be clearly and diligently explained, and Security First Insurance Agency will work tirelessly until a policy that makes sense for you is found. Call today and let Security First Insurance Agency make life easy on you.
General Liability insurance, often called business insurance, is the most commonly purchased insurance tool to shield the assets of a business from something it did, or failed to do, in order to prevent an injury or damage to property. General Liability insurance can help manage the risks of performing business as usual. Since building a company takes hard work and immense dedication, it’s vital to protect your business and its assets from losses and liability risks that come with running any organization.
Liability insurers have two, in some cases three, major duties and they are to defend, indemnify and, in some jurisdictions, settle a reasonably clear claim. General Liability insurance can be purchased by itself or bundled together in a business-owners policy, known as a BOP. Typically, businesses purchase General Liability insurance by itself because, even though a BOP is easier from a paperwork perspective, they’re also usually more expensive.
At Security First Insurance Agency, searching for the perfect solution is as easy as a couple clicks of the mouse. Security First Insurance Agency will help you find the plan you need at the rate you can afford. Your options will be clearly and diligently explained, and Security First Insurance Agency will work tirelessly until a policy that makes sense for you is found. Call today and let Security First Insurance Agency make life easy on you.
Your home is a very important investment, and as preferred home insurance company in the Chicago region it’s our job is to help you protect it. With home insurance you can protect your home and your possessions inside of it. You’ve worked hard for what you have and it’s very crucial to have the proper protection to safeguard it. There are several options of what home insurance in the Chicago region can cover on your property. We can help you make sure that everything will be taken care of and insured properly. Contact us today to see how we can protect one of your biggest investments.
Life insurance policies in the Chicago region will protect your beneficiaries with financial stability and security when it matters most. As a preferred life insurance company in the Chicago region we can provide you with the most affordable quotes and life insurance options. In the event of your passing, life insurance provides financial help to your beneficiaries. Life insurance can help your beneficiaries with:
- Covering any lost income and helping continue the same standard of living
- Paying off any debts
- Paying for your children’s education
- Covering funeral and related costs
Which is right for you? First, always ask yourself why you need your life insurance policy in the Chicago region and what you’re trying to accomplish by having a life insurance policy. Are you insuring your life so that when you pass away your children will be able to go to college or so your spouse will be able to pay off the mortgage? A temporary form of life insurance – term life – is well suited for these concerns. If you are more concerned about providing income to a widow or widower for life, funding retirement, or passing on wealth to future generations you will find permanent life insurance to be better suited for these goals. If you have a temporary goal in mind then term insurance is probably best.
However, if you are looking to address a long-term need or concern then it’s best to look at the best permanent life insurance policies for you. Buying insurance of any kind is often confusing. There are always a lot of factors to be considered. Consult with us today to help determine the best type of life insurance in the Chicago region and the appropriate premiums for your situation. Our agents are here to help you make a decision that’s right for you!
Click to learn more about our Permanent Life Insurance plans, or our Term Life Insurance plans.
As a motorcycle rider, we know how important protecting your bike can be, and we can help! Our insurance policies cover all kinds of motorcycles, from sport bikes, cruisers, standard, touring bikes, custom motorcycles, scooters and classic motorcycles. It can also cover custom equipment, medical payments and towing and labor, as well as protecting the other drivers and indivuals on the road around you.
Property insurance protects against loss or damage to your business’ physical assets. That’s why business property insurance is such an important investment in ensuring the strength of your business. Whether you own your building, lease your workspace or work at home, property insurance has you covered.
A lot of things can go wrong, things you might over never planned for. A fire hits your business, and now no one can enter the building, property insurance pays to get your building back in working order. Even if that fire destroys all your office equipment it will also be covered. Let us tailor a property insurance plan that works for your business’ needs.
An umbrella insurance policy supplements your existing general liability, auto liability and employer’s liability limits. Sometimes accidents happen, but are not covered by your existing business insurance programs, with umbrella insurance you have coverage. If there is huge accident and the damages are above the limits instead of paying out of pocket we can cover you.
How much commercial umbrella insurance coverage do you need? There are factors that go into determining the answer, like the type of business you own and how much coverage you already have. Let one of our experts figure out the best plan for your business.
Worker’s compensation is a form of insurance providing wage replacement and medical benefits to employees injured during the course of employment. In exchange, an employer receives coverage for all work-related accidents, as well as, a mandatory relinquishment of the employee’s right to sue for perceived negligence. Worker’s compensation is essentially a no-fault insurance program that protects both parties.
Although worker’s compensation is required by law in almost every state, each state will differ significantly in regards to stipulations and requirements. While plans may vary among jurisdictions, provision can be made for weekly payments in place of wages, compensation for economic loss (past and future), reimbursement or payment of medical expenses and benefits payable to the dependents of employees killed during employment.
At Security First Insurance Agency, searching for the perfect solution is as easy as a couple clicks of the mouse. Security First Insurance Agency will help you find the plan you need at the rate you can afford. Your options will be clearly and diligently explained, and Security First Insurance Agency will work tirelessly until a policy that makes sense for you is found. Call today and let Security First Insurance Agency make life easy on you.
At Afina Insurance, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.