The importance of carrying workers compensation insurance

Having workers’ compensation insurance from Goshen Group Inc. is essential for businesses of all sizes here in the Glen Carbon, IL area.

Why This Vital Coverage?

It provides financial security for businesses and their employees in the event of an employee becoming incapacitated or injured due to an on-the-job accident or illness. Without this type of coverage, businesses would be liable for the medical costs associated with workplace accidents and illnesses, which can be a significant expense. 

Moreover, employers who do not have workers’ compensation insurance could face legal action from their employees if they are unable to cover the costs of treatment or lost wages due to a workplace injury or illness. In addition, some states require employers to carry workers’ compensation insurance in order to operate legally. 

By carrying workers’ compensation insurance, employers can ensure that their employees receive the medical care and financial support they need in the event of an accident or illness related to their employment. This coverage also gives employers peace of mind in knowing that they are protecting themselves from expensive claims resulting from workplace injuries and illnesses. 

Workers’ compensation insurance is vital for both businesses and their employees. It helps protect businesses by covering the costs associated with workplace accidents and illnesses while ensuring that employees receive proper medical care and financial assistance if needed. As such, it is important for businesses of all sizes to have this type of coverage in place.

Reach Out To Us

For more information or to find a policy that will protect your business and your employees, give us at Goshen Group Inc. a call today. We are proud to serve the Glen Carbon, IL area and would be happy to help you find a policy that meets your needs and your budget.

Tips to prepare your house for a storm

We often take for granted the fact that our homes provide us with shelter and protection from the elements. But, during severe weather here in the Glen Carbon, IL area, we should make sure that our houses are prepared to handle whatever nature throws its way.

Here are a few tips from us at Goshen Group Inc. to help you get your house ready for a storm:

First, check your roof for any missing, loose, or cracked shingles so that it doesn’t leak during heavy rains. Make sure your windows and doors close securely in order to prevent water from leaking inside. Replace any worn-out weather stripping around them, too.

Also, check on your gutters; make sure they’re clear of debris so they can do their job when it’s raining heavily. 

Next, don’t forget about your trees and shrubs! Prune or trim them back if necessary so strong winds won’t cause damage to your house or the branches themselves.

Also, consider investing in storm shutters or coverings for windows and patio glass doors to protect them from flying debris during high winds. 

Finally, make sure your home has adequate insurance coverage to protect yourself from expensive repairs should something happen during a storm. It’s also important to have an emergency kit prepared in case you need it- flashlights, extra batteries, bottled water, and nonperishable food items are just some of the essentials you’ll want on hand in case of an emergency. 

Keep Your Home Insurance Policy Updated

By taking the time to properly prepare your home for a storm now, you’ll be well-equipped when heavy rains come down, or powerful winds blow through town later this season! For more tips, give us at Goshen Group Inc. a call today. We proudly serve the Glen Carbon, IL area.

How much umbrella insurance do I need?

Umbrella insurance is an additional layer of protection that helps you cover costs in the event of a lawsuit. It provides financial protection by providing extra coverage on top of other policies. But how much umbrella insurance do you need? At Goshen Group Inc., we are committed to helping Glen Carbon, IL families get the coverage they need.

How much umbrella insurance do I need?

The answer to this question depends on several factors, such as your income, assets, and the potential for being sued. Generally speaking, it’s recommended to have at least $1 million in umbrella insurance coverage. This amount can be increased depending on your individual circumstances and desires for protection. 

If you’re concerned about needing more than one million dollars in coverage, there are options available to provide even more protection. You can purchase additional policy limits above the one-million-dollar threshold or consider purchasing excess liability insurance. Excess liability insurance can provide even more financial protection up to an agreed amount specified in the policy. 

No matter what type of umbrella insurance coverage you choose, it’s important to review your policy with a qualified professional and make sure it meets your needs and budget. With the right level of coverage, you’ll be able to have peace of mind knowing that you’re protected from any unexpected legal expenses down the road.

Reach Out To Us

If you have any other questions about umbrella insurance or any other type of insurance product, please give us a call at Goshen Group Inc. today. We are proud to serve the Glen Carbon, IL area and would be glad to help you find a policy that meets your needs and your budget.

Health insurance terms you should understand

It is not the easiest thing in the world to make sure you choose the right health insurance. You need to have someone to help you to understand all the terms that are used and how they affect your coverage. At Goshen Group Inc. in Glen Carbon, IL, we take the time to get to know our customers so that we can make the best recommendation for the coverage they need. 

Managed care

Managed care is the most common type of health care available. What it means is that someone will be managing your healthcare. Three main types of healthcare are offered: HMO, PPO, and POS.

HMO is the most restrictive type. You must have a primary care physician who manages your care. You must receive treatment within the network for the insurance to pay.

PPO will pay for healthcare outside the network and you don’t need a primary care physician. 

POS is a combination of HMO and PPO and does allow some payments outside of the network. 


The network is the providers that the carrier has contracted with to provide services to their customers. Make sure your preferred providers are included.


The deductible is the amount that you will need to pay out of pocket before your health insurance begins to pay. Higher deductibles are less expensive. 


Copays are the amount that is your share of all services that you receive. After you meet your deductible, a predetermined amount will be paid for certain services and you will pay the copay out of pocket. 


The list of drugs covered by your insurance is presented in levels by cost to you. Copays and deductibles may apply.

Contact Us Today

Give Goshen Group Inc. in Glen Carbon, IL a call to make an appointment to review your medical coverage.

Three problems you can avoid by taking out a life insurance policy

Buying a life insurance policy is important so that you can prevent certain problems for your family. The Goshen Group Inc. offers life insurance policies to consumers in Glen Carbon, IL. 

You can avoid the following three problems if you purchase the right life insurance policy for your needs:

The loss of your income if you pass away unexpectedly

A life insurance policy can replace your income for your surviving dependents if something should happen to you. If you are the main breadwinner for your household, the rest of your family can face severe financial hardship if you pass away unexpectedly without any life insurance coverage. 

You should choose a life insurance policy with a death benefit that is large enough to replace enough of your income to keep your family financially comfortable. 

The stress of facing a future that is uncertain

Without life insurance, you can’t be certain that your dependents will stay financially secure whatever happens. This can lead to stress. Life insurance is important for providing your family members with a future that is more secure and stress-free. 

The high costs of your funeral and burial expenses that your family may have to pay

Life insurance isn’t just important for providing financial support to surviving family members if you pass away. It’s also important for covering the expenses that directly result from your passing away such as your burial and funeral costs.

Burial and funeral costs may be higher than you expect, so it’s important to purchase life insurance so that your family doesn’t have to pay for them without any financial help. 

Contact Us Today

At Goshen Group Inc., we’re always here to answer the questions that prospective customers have about insurance. You can meet your life insurance needs in Glen Carbon, IL by getting in touch with us today for a life insurance policy quote. 

What Are the Differences Between Universal and Whole Life Insurance?

If you are looking to purchase a life insurance product, you may find that there are two common types of life insurance policies; universal and whole life. At Goshen Group Inc., serving the greater Glen Carbon, IL area, we are often asked what the differences between these two types of life insurance products are.

Here are the key differences between universal and whole life insurance:

Whole Life Insurance

Whole life insurance is a set life insurance policy that remains the same throughout your life. The amount of your policy stays the same, and your payment remains the same. This type of policy stays in place throughout your whole life, helping to ensure that your premiums do not increase as you age. 

Universal Life Insurance

Universal life insurance differs from whole life insurance in that your plan can change as you age. The amount the policy pays out may change the older you get. Your life insurance premiums may also change as you go through life. Universal life insurance also gives you the option to adjust your policy as you go through life. This means you can also increase your policy limits or decrease them, based on what is happening in your life and what your needs are. 

Contact Us Today

Whole life insurance and universal life insurance are the most common types of life insurance policies out there. If you are looking to ensure your family is financially secure and covered in the event you prematurely or unexpectedly pass away, or you just want to ensure that your final expenses are paid for, a life insurance policy may be right for you.

Here at Goshen Group Inc. serving the greater Glen Carbon, IL area, we can help you find the right policy and coverage limit. Reach out to us today to learn more. 

Will my auto insurance policy be canceled if my license is suspended?

If you’re a driver in Glen Carbon IL, you’re probably well aware of the high cost of car insurance. And, if you’re like most people, you probably want to do everything you can to keep your rates low. Unfortunately, getting your license suspended is one surefire way to see your rates increase. But what about your current auto insurance policy? Will it be canceled if your license is suspended? Goshen Group Inc. in Glen Carbon, IL is here to provide a guide. 

License Suspension & Auto Insurance Policy

If your license is suspended for failing to pay child support, your auto insurance company is not required to cancel your policy. However, if your license is suspended for failing to pay for traffic tickets or for driving under the influence (DUI), your insurer may cancel your policy. 

Even if your insurer doesn’t cancel your policy, they may choose to non-renew it when it comes up for renewal. 

Of course, even if your current insurer does decide to non-renew or cancel your policy, you’ll still be required to maintain some form of auto insurance while your license is suspended. Illinois law requires all drivers to carry liability insurance at the very minimum. So, if your policy is canceled or non-renewed, you’ll need to find another way to maintain coverage—likely through a high-risk insurer specializing in providing coverage for drivers with suspended licenses. 

Contact Us Today

If you’re facing a license suspension in the greater Glen Carbon, IL community, give us a call.  In most cases, your insurer will not cancel your policy outright—but they may choose to non-renew it when it comes up for renewal. A suspended driver’s license raises many questions. Contact Goshen Group Inc. to help you find the answer to your situation.

Business Contents Insurance Basics

Let’s break down one aspect of Glen Carbon IL business insurance: Commercial contents. Put simply, business contents insurance covers everything not nailed, screwed, or permanently glued down. 

What Is Commercial Contents Insurance? 

Often packaged with commercial property insurance, commercial contents insurance covers the collected equipment, inventory, furniture, and other contents of your place of business against damages and can cover the cost of replacement or repair if your business contents are damaged. 

What Qualifies as Contents in Glen Carbon, IL? 

Anything permanently attached to your commercial building does not qualify as contents, but something temporarily affixed might. A good rule of thumb is if it could be easily removed and moved, it’s contents. If it would require an expert or crew to remove, it’s part of the building. If you aren’t sure, give Goshen Group Inc. a call and we can help you understand your policy. Common content categories include: 

  • Furniture
  • Computer Equipment
  • Unique Art and Artifacts
  • Inventory
  • Works-In-Progress
  • Items Stored In Trailers or Outbuildings
  • Sound Equipment
  • Raw Materials
  • Appliances
  • Stock

A Word On Mobile Equipment

Mobile equipment includes backhoes, skid steers, tractors, forklifts, and other construction equipment that doesn’t require a motor vehicle license. Mobile equipment meets the ‘not nailed, screwed, or glued’ criteria, but they are also subject to greater risk as they leave the property. They will therefore cost more to insure. They are typically listed in their own category. 

Building a Better Commercial Contents Inventory

To understand your coverage needs, you can start with an inventory list plus a depreciation schedule. Don’t rely solely on your accounting software. Take physical inventory to ensure everything is protected. Inspect outbuildings, sheds, and employee break rooms and document what you discover.

Contact Us Today

Policy details and needs vary. Our friendly staff at Goshen Group Inc in Glen Carbon, IL is ready to provide clear, straightforward answers to your insurance questions. 

When should you review your home insurance policy?

Home insurance is not a one-and-done kind of thing. Your life changes, and with it your home insurance needs. Keeping the conversation open with your independent insurance agent will allow your home insurance to grow along with you.

At Goshen Group Inc. in Glen Carbon, IL, our 40 years of experience make us uniquely qualified to navigate the complex world of insurance today. 

When should you review your home insurance policy?

When your policy renews

The ideal time to review your home insurance coverage is when your policy renews. Whether you get a print copy or a digital copy of your policy, the first page is the declaration page. This is a summary of your coverage. You get all the figures you need to consider in one place. 

Things to check

Take a look at your property coverage. Does it make sense with what you know about costs in your neighborhood? Keep in mind this is the amount it would cost to repair or rebuild your home, not what it would cost to buy it with the land included.  

Is the type of content coverage you have right for you? 

The dollar amount is predetermined by your property coverage, but there are two options for coverage. Do you want to have replacement cost or current value? 

Do you have enough liability coverage?

Is your liability coverage adequate considering that your personal wealth may have increased since you first purchased this coverage? This is a very important part of your home insurance. 

Do you need a jewelry rider?

Jewelry coverage has a limit. If you have more than just a very basic amount of jewelry, you will not have enough to get your jewelry replaced. An engagement ring of one carat will be worth more than the average coverage.

Get Home Insurance Today

Contact Goshen Group Inc in Glen Carbon, IL with your home insurance questions and needs. 

How Umbrella Insurance Protects You

When you have home and auto insurance, you may feel that you are very well protected against a wide range of risks. However, the liability insurance that is in both of these policies may be lacking. When there is little liability coverage available, you may find that it doesn’t cover everything it needs to, and this can cost you big. To get more liability coverage, there is umbrella insurance. To get started with umbrella insurance, call us at Goshen Group Inc. in Glen Carbon, IL.

Home, Auto, and Umbrella Insurance

Your home and auto policies each come with a small amount of liability insurance. However, if there is a serious accident, this may not be enough to pay for it. When your home or auto policy doesn’t pay all of the amounts that you owe in medical bills and lost wages after an accident, umbrella insurance can pay the rest. This policy adds to both your home and your auto insurance policies so that each has more liability protection. 

How It Works

If there is a serious accident in your home or that happens with your vehicle, your home or auto policy comes in to pay for the medical bills and lost wages for the person who is injured. However, when you have little liability coverage, it won’t pay for all of those bills. This leaves an overage that is yours to pay, and it can be highly expensive. When you have umbrella insurance, this policy comes in next to pay that overage. Umbrella policies have very high maximums, so it’s rare for expenses to outstrip these policies. 

Protect Yourself With Umbrella Insurance 

To give yourself more liability protection, you need an umbrella policy. To get started with a policy, give us a call at Goshen Group Inc. in Glen Carbon, IL.