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.

People residing in the state want to know that they are properly covered with insurance. A type of coverage that all people need to seriously consider getting is health insurance. Goshen Group Inc in Glen Carbon, IL can help you navigate this important insurance coverage.

There are various situations when someone will want to have a health insurance plan:

Anyone Looking for Affordable Care

A common situation when someone wants health insurance will come when someone wants to have affordable care. Even if you are healthy and careful today, there is always a chance you could get sick or injured. Further, you will eventually want to see a physician for preventative care. Without insurance, you could find the costs for any attention or care will be significant. If you have a health insurance plan, you will be able to get care at a discounted rate. 

Those Trying to Comply with Requirements

While the main benefit of getting health insurance is that you will have access to affordable care, having proper support will also ensure you are able to comply with your requirements. Having health insurance and maintaining it at all times is now an obligation for all people. If you do not have this coverage, you could face penalization at the end of the year. Those that would like to avoid this trouble should maintain coverage. 

Contact Us Today

If you want to get a health insurance plan, it would be helpful to speak with a professional. As there are many choices to choose from, working with someone experienced can help you build the right policy. A great group to call for this coverage would be our team at Goshen Group Inc in Glen Carbon, IL. We know the value of health insurance and will help you pick your next plan that meets your needs. 

When you have people who depend on you, you need to have a life insurance policy. It’s important to leave something behind for them, and life insurance will accomplish this goal.

When you need life insurance, you can call us at Goshen Group Inc in Glen Carbon, IL.

Insurance for Your Whole Life

When you’re choosing life insurance, there are two main types- whole life and term life. With term life, the policy is only good for a set term, often 20 or 25 years. But with whole life, it works just the way the name indicates. It’s good for your whole life, no matter how long you live. Instead of the policy expiring, it will remain in effect for as long as you pay the premiums. As long as you keep paying, the policy can’t be canceled. Even the insurance company can’t cancel it with the premiums continuing to come in. Many people choose this type of life insurance because they don’t want to be left without life insurance at the end of their lives.  

Building a Cash Value

When you have a whole life insurance policy in effect, it will begin to accrue a cash value after a few years of paying the premiums. When the policy builds this cash value, that is money that you can later borrow against if you should need to. When you have a financial emergency, it can be great to know that you have this money to borrow against the policy to help you out of that situation. This type of policy is popular with many because it offers this kind of financial protection if it is ever needed. 

Get Your Life Insurance Policy

When you need a life insurance policy, we can get you started. Call us at Goshen Group Inc. in Glen Carbon, IL.

Drivers in the Glen Carbon, IL area look to the team at the Goshen Group Inc. for all of their insurance needs. Having the right auto policy in place is the first step toward responsible vehicle ownership. If you have questions about auto insurance, give us a call today.

Safety tips for highway driving

Highway driving involves traveling at a higher speed than when on surface roads. These safety tips can help you travel safely and inform your behavior if you experience a mishap when traveling on the highway. 

• Maintain a safe speed – while maintaining the speed limit, remember that the left lane should only be used when passing another car. If there are adverse road conditions, or there is disruptive weather, adjust your speed accordingly.
• Be aware of your surroundings – this means maintaining a safe distance between yourself and the car in front of you. Be sure to use your lights at dusk and during inclement weather. It’s good practice to turn your lights on when your wipers are in use. 
• Carry an auto policy that includes roadside assistance – the most important thing to remember if you have an accident, mishap, or your car breaks down on the highway, is to move to safety as soon as possible. Contact your roadside assistance provider and wait in a safe area until they arrive.

It’s also a good idea to review your policy before a trip. 

Want to find out more? Give us a call today!

The Goshen Group Inc. has the answers to all of your insurance-related questions. If you live in the greater Glen Carbon, IL area and want to find out more about the auto insurance policy options that are available in our area, call, click, or stop by our office today!

If you are a homeowner, you need a home inventory. Chances are that you will need to file a claim at some point with your home insurance company. When filing a claim, a home inventory is a big help in getting the process moving smoothly and quickly. At Goshen Group Inc. in Glen Carbon, IL we work with our clients to make sure they have the correct amount of home insurance and it’s affordable. 
 

Creating and storing a home inventory

A home inventory is a listing of the contents of your home. Think about that. If a covered peril damages or completely destroys your home, you will need to let the insurance company know what needs to be replaced. Imagine trying to give them a list when you are traumatized by the damage done. Making the inventory when everything is in its place is much easier. 

Get a notebook, and bring along a way to take pictures. Do one room at a time and list everything in the room. Big and small, open drawers and closets. Make your list as detailed as possible. Add brand names, model numbers, and serial numbers if applicable. Take pictures of the rooms from various angles, and make sure big items are featured. Attach invoices or sales slips and have appraisals for pricier items. 

Don’t forget to go into the attic and the basement. Visit the garage and a shed if you have one. When you are finished you need to find a safe way to store your inventory. It is better if you store it away from your home to keep it safe. Making a copy and placing it on the cloud works. A safe deposit box is another good option. In any case, make sure it is in a fire and water-resistant box. 

In Glen Carbon, IL contact Goshen Group Inc. for all your home insurance needs. 

When it comes to the kind of commercial insurance your small business needs, it helps to have an insurance agent who knows the ins and outs of your business and the risks you face. In Glen Carbon IL there is the Goshen Group Inc. We make it our business to understand your risks and mitigate them as much as possible. 

Small businesses are more vulnerable to many hazards. Making sure that your commercial insurance offers you the right protection helps to guarantee that you won’t be one of the businesses that doesn’t survive. 

Commercial Property Insurance

No matter what type of small business you have, there will be property involved. You may think if you rent you don’t need property insurance, but you would be wrong. Beyond the physical building, commercial property insurance covers the things you need to do business. That might be machinery, office equipment, computers, printers, tools, raw materials, or inventory. All of these would cost you a lot of money to replace if your business was hit by a covered hazard. Having to replace everything could kill your business without commercial insurance. 

Commercial Liability Insurance

Small businesses are particularly vulnerable to being sued. It is a sad fact. You need to be prepared to pay a judgment and legal fees. Most businesses don’t have the extra cash to handle something like this. Your commercial liability insurance can literally save your business. 

Business Interruption Insurance

When your business is hit by a covered hazard you may be closed for a period of time. You won’t have any income, but unfortunately, your bills won’t stop. This insurance will help you remain in business even without income. 

Contact Goshen Group Inc. in Glen Carbon IL when you are ready to discuss the kinds of commercial insurance that are a good fit for your business.