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...placement specialists who focus on banks, credit unions, mortgage lenders and ...m?Hard-to-place community or regional banks, mortgage lenders, and specialty f...

...designed to help agents place Food Banks and Soup Kitchens. The Food Banks/Soup Kitchens Insurance program is bu... distribution operations such as food banks, soup kitchens, nutrition centers, kosher food banks, and similar programs that rely on...

...ogram from Charity First This Food Banks & Food Distribution Insurance pro...he program is aimed at nonprofit food banks, pantries, meal delivery services,...

How to get discounts and/or reduce your auto insurance bill? At 1st Source Bank, our agents are always trying to help our clients get more value and better deals on their auto insurance and frankly, any insurance policies they write through us. Some key methods to reducing your insurance bills are – Bundle insurance policies. Good driver discounts Improve your credit score. Get a car that has a higher safety rating Don’t make insurance claims unless you absolutely have to. Is it easy to switch auto insurance carriers or insurance agents? In short, yes. But, there is a procedure to follow for best results. If your previous carrier is reputable you will get a pro-rated refund fairly quickly. An insurance agent can help you with this process. You want to make sure you have coverage in place with the new carrier before you cancel your policy with the old carrier. This is important as you do not want to be uninsured for even a few hours. When switching agents but keeping the same carrier, a Broker-of-record (BOR) letter may need to be completed by your new agent (signed by you) When switching carriers but keeping the same agent – this could be quite simple if the agent has a partnership with the new carrier. If not, your agent can advise you of the procedure, which may involve switching to another agent (which may require some additional paperwork) Why use a local insurance agent for your insurance? We have found that every client is unique and requires a certain level of customization, education and forward planning to set up the client for the best-case situation as it relates to risk management. And insurance policies are essentially that – risk management. A local insurance agent knows the particular laws, rules and regulations that pertain to that geographic location. Most agencies know very little about far away regions even in the same state – local environments vary. For our part we are far more knowledgeable about insuring clients and insurance policy regulations in a 100 mile radius of the Valparaiso, IN area than let’s say 200 miles away. You can meet our local insurance agents face to face if needed, and work through any particular problems you need help with. An insurance agent/broker can help you with the correct paperwork, explain the coverages that suit you best and help with the claim process.

Community Banks and Credit Unions Force Placed & ...m?This program is ideal for community banks, credit unions, and mortgage lende...

...n an expert? Writing coverage for banks and other financial institutions requ...am?Our program is ideal for community banks, credit unions, trust companies, m...

What about additional drivers and additional vehicles? Some policies (especially comprehensive auto insurance policies) have protection for family members (household members) that drive your vehicles. But, this is not common. Adding additional vehicles is quite simple and will definitely affect your overall premium. Adding additional drivers, while also a simple task, could dramatically affect your policy based on the history of the additional driver. Contact us today and we will help you get this going. What auto insurance coverages follow the driver and what coverages follow the vehicle? You will need to double check with your agent and/or insurance carrier who will help you understand your policy and its exclusions, but, in general – Liability insurance follows the driver to any eligible vehicle driven by the insured. Comprehensive and Collision insurance however are related to the vehicle and follow the covered vehicle. But, many conditions apply, the most common of which is that the ‘loaned’ vehicle must have been driven with explicit permission from the person loaning (the primary insured) the vehicle. Exceptions apply, get in touch and we will help you understand your policy exceptions and coverages. To learn more from our experts in the Cape Girardeau, MO and surrounding areas, get in touch with us. Auto Insurance coverages explained Bodily-injury liability insurance is mandatory in all states. The exceptions or workarounds are - New Hampshire (personal responsibility requirement by owner/driver) Virginia (uninsured motorist fee) Mississippi (motorists can post bonds) So, at the very minimum all drivers must have bodily-injury liability insurance or some form of protection for damages to the drivers of the vehicles involved, their passengers and even pedestrians. Our auto insurance experts have helped many folks in the Cape Girardeau, MO and surrounding areas. Get in touch, we can help you too.

Common Exclusions Please note, coverage does vary by insurer and it will include additional exclusions other than the examples below. It would be best to thoroughly review your policy to know exactly what your policy does and doesn't cover. Damage to Your Work - Usually, commercial general liability policies exclude coverage for property damage to your work. Damage to Your Product - Commercial general liability policies will not cover property damage to your product. Contractual Liability - Commercial general liability policies exclude coverage for bodily injury or property damage that you are obligated to pay because you assumed liability in a contract or agreement. Recall of Products, Work, or Impaired Property - Commercial general liability policies will not pay the cost to recall faulty products, work, or impaired property. You do have the option to add this coverage to the policy by endorsement for an additional cost. Workers' Compensation and Employer's Liability - Commercial general liability policies don’t provide coverage for workers' compensation, or employer's liability. There may be other exclusions that apply on a local level to the Cape Girardeau, MO and surrounding areas. What is business insurance? A business insurance policy of business insurance package (multiple coverages and riders) normally starts with general liability insurance (or 'CGL'). It protects your business from a financial loss if you find yourself liable for property damage, personal, or an injury that was caused by your business, services provided, business operations or your employees. Our experts have helped many businesses in the Cape Girardeau, MO and surrounding areas. Get in touch, we can help you too. Types of business insurance Bodily Injury Property Damage Harassment Discrimination Directors & Officers Liability Errors and Omissions (E&O) Advertising Injury Personal Injury Workers Compensation A comprehensive general liability insurance policy should help keep you in business with - Legal expenses Medical expenses Settlement expenses Our business insurance experts have helped many businesses in the Cape Girardeau, MO and surrounding areas. Get in touch, we can help you too.

...igned for insurers, credit unions, banks, mortgage bankers, loan servicers and...eared toward lenders, loan servicers, banks, credit unions and mortgage banker...