Home and Auto Insurance

home autoProtect your future
Homeowners / Renters Insurance:
The “bad guy” of the personal insurance industry at this time, we have access to insurance markets that can provide the protection. Again, price is what it is all about. We will all be paying more for this coverage, starting now. These policies have been really under priced for several years and it looks like now is when the prices are going to increase to catch up with the claims that have been happening.

Auto Insurance:
We represent many of the largest and finest insurers in the country and through their markets, we can provide protection for “Little Old Ladies from Pasadena” as well as for people with the “driving record as long as their arms”. Price is what it is all about, and we attempt to obtain the best price available for whatever your circumstances.

Boats & RV's

boats rvVacation protection

A boat policy insures you and your boat against liability and damage in the event of an accident. The types and amount of coverage you receive depend on the specific boat policy you purchase.

Recreational vehicles and campers come in all sorts of shapes and sizes. If you travel with a luxury coach motor home, travel trailer, fifth wheel, pop up camper or camper van, we will cover your RV even if it’s the only policy you carry with us. We’ll help make sure you’re properly covered so the vacation road trip you’ve been dreaming about all winter doesn’t take a turn for the worse. Your TBEggert agent can offer personal advice on RV insurance coverage that’s right for you and your home on the road.

Your Valuables

valuablesWhat are they worth

Valuable Items coverage supplements coverage for possessions of higher monetary value, such as a diamond engagement ring, your grandfather's pocket watch, artwork, or a valuable collection.

While most homeowners policies have limits on the dollar amount and type of loss that can be recovered, Valuable Item coverage will provide the protection you need for your most valuable possessions in the event of loss through theft, accident or natural disaster.

Life Insurance

life insLife Insurance
We represent several Life Insurance Companies that are anxious to write large and small Term Life Insurance policies. Your health and smoking habits are the name of this game, with great discounts afforded to Non-Tobacco Users who are in excellent health. Stop Smoking, See your Doctor, Start to Workout and call us for a price quote.

Life can be complex and unpredictable at times. Buying life insurance can be confusing. Understanding the different types of life insurance will help you decide which type of coverage is best for you, at this time in your life..

TBEggert will help you understand of each type of life insurance, how it applies to your current situation, and your options "down the road."

Do You Need Life Insurance?

Your current situation will help you determine your life insurance needs. If you don't have dependents, you probably don't need a huge life insurance policy. If you do have a family, you're going to want to make certain that in the event of your passing, they will be taken care of. Life insurance plays a vital role in providing for the financial obligations that may result in the event of your death.

How Much Life Insurance Do I Need?

Many factors are considered when determining how much life insurance you'll need. The amount of insurance you need depends on many factors such:

  • other sources of income
  • dependents
  • debts
  • lifestyle
What Type of Policy Is Right For You?
Term Life
Whole Life
Variable Life
Universal Life
Whether you're considering life insurance or are re-evaluating your current life insurance policy... stay informed.

Call TBEggert and receive your life insurance quote today!

Commercial Auto

commercial autoFor your business

Commercial Vehicle Insurance is a policy of physical damage and liability coverages for amounts, situations, and usage not covered by a personal auto policy. Seems obvious, doesn't it? But, seriously, knowing the difference between a personal auto insurance policy and a commercial auto policy (and when you need which) is important business—for your business.

This type of business insurance covers a variety of vehicles. You may also have heard of this coverage referred to as commercial auto insurance, commercial car insurance, truck insurance, or fleet insurance.

Property Insurance

property insVacant and Rental

TBEggert offers competitively priced insurance for old and new vacant properties.


Most renters forget about how important it is to protect your property (belongings) and valuables.  You may think that you don't need renters insurance.  The concerns you'll face when a break-ink, fire or flood occurs are no different than a homeowner. You're still at risk.  Protect your property and your valuables with a policy.

Professional Liability

professional liabMistakes happen

If you own a business you need professional liability insurance in addition to an in-home business or business owners policy.  If a client / customer files a lawsuit, this will protect you against financial losses.

For your Business

for businessProtection Against Loss

Businesses deal with risk every day. With the proper insurance, you have the power to manage those risks. Not having the correct insurance at the time of an accident or disaster could result in the loss of your business.  TBEggert will help you greatly reduce that risk the the insurance that will protect you and your company.

Architects
Attorneys
Condo / Apartment buildings
Contractors
CPA's / Accountants
Doctors / Chiropractors
Funeral Homes / Crematoriums / Cemetery's
Garages / Tow Truck Companies
Graphic Design / Advertising Agencies
Hair Salons / Spas
Logistics / Trucking
Manufacturers
Office Equipment
Restaurants / Banquet Halls
Retail Businesses
Travel / Travel Agencies
Veterinarians / Animal Hospitals
Workers Compensation

Your business deserves the type of insurance and specialized services that TBEggert will provide for you and your business.

If your business / industry is not listed, please call TBEggert for additional information.

Workers Compensation

compensationProtecting your employees, and your business


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 employee's right to sue his or her employer for the tort of negligence.

Once known as Workmen’s Compensation.

Travel

for travel

When you consider how hard you have worked to earn your vacation, purchasing Travel Insurance is a small price to pay to protect its value. In fact, travel insurance typically averages just nine percent of the cost of your trip and can more than pay for itself when it comes to salvaging a vacation where canceled flights, missed cruise ships or other unexpected events occur. Travel insurance is essential for smart travelers who want the peace-of-mind knowing their financial investment is protected.

There is coverage and protection for many things that occur before and during your trip, including:

    Cancel Before a Departure - or you need to cancel for any reason
    Trip Delay - if you miss your air, tour or cruise departure-- or even a connecting flight
    Trip Interruption - if you have to leave your vacation unexpectedly
    Flight Cancellation - if the airline cancels your flight
    Baggage Protection - for delayed, damaged or lost luggage
    Emergency Medical - accidents or an unexpected illness

Your travel agent can explain the types of coverage and help you choose the insurance package that will compensate you if your vacation happens to be not quite a dream come true.

 

Church

for churchsWe represent the Church Underwriters Program of insurance for church bodies which may include just a Church, a Parsonage, a Parochial School, and/or one or more Social Ministry Properties. Competitively priced and designed to include all of those “Special Church Coverages” that these clients require.

Restaurant

for restaurantsWe are able to work with clients who range from “Fast Foods and Carry-Outs” to “White Tablecloth – Fine Dining” establishments. Liquor sales are no problem. Our carriers can handle all moderate entertainment, Valet Parking, and occasional ‘Food Fair’ participation.

We even have a program for Taverns that serve food.

Small Contractors

for contractorIncluding most of the “Artesian Contractor” classes this Program works wonderfully for small to not-so-small contractors.

Most classes can be rated and quoted in our office.

Beauty Salons

for beauty salonIncluding Hair Salons, Nail Salons, Esthetics Salons, Suntan Salons, Massage Therapy, Aroma Therapy, Electrology, Health & Fitness Centers, Day Spas and Senior Center and/or Nursing Home Salons. We are the endorsed Insurance Agency for the Illinois Cosmetology Association, National Cosmetology Association of Indiana and Cosmetologist Chicago.

We also have programs for independent operators. Our expertise in this industry goes back more than 40 years. Our Programs are second to none in providing all of those “Special Coverages” which this industry requires. We also have programs for cosmetics manufacturers. We can rate and quote most salons in our office.