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1145 Mitchell Ct, Suite 216
Crystal Lake, IL 60014

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Tag: Huntley IL

I’m a new business owner and my business hasn’t made much money yet. Do I still need commercial insurance?

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As a business owner, you’ll likely want your business to be protected from day one. Commercial insurance is designed to provide coverage, regardless of the stage your business is currently in. Speaking with an August Vincent Insurance Agency representative can be helpful when it comes to helping Huntley, IL business owners understand the benefits of commercial insurance.

What is Commercial Insurance?

Commercial insurance is business insurance. This insurance is designed to provide financial and liability protection for your business. This protection can cover your existing property or structure, business vehicles, customer and employee injuries, theft, damage, unforeseen events, and more.

The liability portion of the insurance provides protection from lawsuits and other legal matters associated with your business. Commercial insurance covers a wide variety of different areas of business. For example, if you have company vehicles, commercial auto insurance will provide coverage for the vehicles you use to operate your business. 

I’m a new business owner, and my business hasn’t made much money yet. Do I still need commercial insurance?

If you are unprepared to cover any number of issues that could arise from damage to your business or a liability lawsuit, commercial insurance could be a wise investment for you. Commercial insurance provides a wide variety of different types of coverage that fall under the title of business insurance. Any number of unexpected events could shut down a business if the owner is unprepared.

Commercial insurance provides protection from unexpected events, liability and protection for your business operations and assets as well.

Looking for Insurance in Huntley, IL?

If you have questions regarding how your business could benefit from commercial insurance coverage, call us at August Vincent Insurance Agency. We’d be happy to help you explore your options. 

Who should get an umbrella insurance policy?

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Umbrella insurance policies offer an extra layer of protection beyond the coverage you may already have with your homeowners, auto, or boat insurance policies at August Vincent Insurance Agency. In essence, it provides additional liability coverage if you are sued due to damages or injuries that are not covered by your existing policy. Whether you should get an umbrella policy depends on your particular situation here in the Huntley, IL area and risk tolerance. 

Who should get an umbrella insurance policy?

Those who have substantial assets, own a business, or manage large amounts of money may want to consider getting a personal umbrella policy. This type of policy can provide additional financial security if someone sues them for damages caused by their negligence. Additionally, people who participate in hazardous activities such as skydiving or motocross racing may also benefit from having this extra protection in case an accident occurs.  

Umbrella policies generally cover legal fees and court costs, as well as any judgment amount that exceeds the limits of your other insurance policies. They can also provide you with coverage in situations where your existing policy may not apply, such as slander or libel. 

Ultimately, whether an individual should get an umbrella insurance policy is up to them and their specific needs and preferences. It’s important to weigh the pros and cons of such coverage before making a decision. Consulting with one of our experienced agents at August Vincent Insurance Agency can help individuals determine whether getting a personal umbrella policy is right for them.

Give Us A Call

For more information or to find a policy that meets your needs and your budget, give us a call at August Vincent Insurance Agency today. We are proud to serve the Huntley, IL area.

Three details you shouldn’t overlook when you buy a home insurance policy

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There are a lot of important details that you need to decide on when you insure your home in Huntley, IL. At August Vincent Insurance Agency, we can help you make important decisions on home insurance policy details by answering your questions and providing you with needed information.

The following are three details you shouldn’t overlook when you buy a home insurance policy:

The deductible amount

You need to decide on a deductible amount for your policy. This is the amount you have to put toward your claim before your insurance policy will start paying. 

Higher deductibles typically mean lower premiums. Home insurance policy deductibles can either be flat amounts or percentages of the total amount of coverage you get on a claim. 

Liability coverage maximums

Liability coverage on your home insurance policy pays for the costs of accidents that occur in your home that you’re liable for. It’s important to choose liability coverage maximums that are high enough to pay for the costs of any lawsuit you face. 

Actual cash value or replacement cost coverage

Your home insurance policy also covers your property itself by providing you with either actual cash value or replacement cost coverage. 

Actual cash value coverage covers you for the market value of your property at the time it is damaged. Replacement cost coverage will cover the cost of rebuilding your home without any depreciation in your home’s value being taken into account. 

Do you have questions about insuring your home?

Are you currently getting policy quotes to see which home insurance policy you should purchase? You can call us today at August Vincent Insurance Agency in Huntley, IL to get a quote on a home insurance policy. 

Does auto insurance cover a rental vehicle?

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When it comes to answering the question, does auto insurance cover a rental car,  there isn’t a straightforward answer. The most accurate answer is maybe. It really depends on the type of coverage that you have. At August Vincent Insurance Agency in Huntley, IL, we serve the people of the Quad Cities, Iowa City, Huntley, and Lake in the Hills. 

Does auto insurance cover a rental vehicle?

If you have basic auto insurance, which is mandated by the state, then no, you will not have coverage for a rental vehicle. Basic auto insurance is liability insurance only. You won’t have to worry about getting excess liability coverage if you are satisfied with the insurance that you have, it should be adequate for your rental car. 

If you have a car loan or are leasing your personal vehicle, then the chances are you will have the coverage you need for a rental car. You must carry comprehensive collision coverage if you lease a vehicle or have a car loan. This insurance protects the vehicle itself, and it will cover your rental to the same extent. 

Keep in mind that your personal auto insurance will cover a vehicle you rent in the United States or Canada, but the same can’t be said for Mexico or European countries. You will need to take advantage of the CDW that is offered by the car rental company. You may have car rental insurance as a perk on your credit card, and if you use that car for the rental, you may get coverage that way as well. 

Give us a call

At August Vincent Insurance Agency in Huntley, IL, we are here to help our customers with all of their insurance questions and needs. 

How much commercial insurance do I need?

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When it comes to protecting your Huntley, IL area business, commercial insurance is an important part of your overall strategy. Choosing the right amount of coverage can be tricky, however, as there are a number of factors that need to be considered. 

Commercial Insurance: Factors to Consider

The first step in determining how much commercial insurance you need is assessing the risks associated with your business. Start by understanding the particular needs of your industry and then identify potential liability issues you may encounter. Additionally, consider the value of any assets you own and how they would be affected if something went wrong. Once you have identified all the potential risks, our knowledgeable insurance agents at August Vincent Insurance Agency can help you decide on the best type and amount of coverage for you. 

Besides general liability insurance, there are other types of commercial insurance that may be beneficial for your business such as property insurance, vehicle coverage, workers’ compensation, and employer’s liability insurance. Depending on the size and structure of your company, you may also want to consider professional indemnity or product/cyber liability coverages. 

An important factor when selecting commercial insurance is finding a policy that meets both your legal requirements and budget limits. Understanding what kind of coverage is available can help make sure all possible risks are covered without overspending. 

Give Us A Call

Ultimately, choosing the right amount of commercial insurance for your business requires careful research and planning. Assessing potential risks, consulting with an experienced agent, and understanding what type of protection is needed and available within your budget parameters will help ensure you get all the coverage necessary at a price that fits within your means. For more information, give us at the August Vincent Insurance Agency a call today. We proudly serve the Huntley, IL area. 

Are There Different Types of Home Insurance Policies?

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If you are looking to purchase a home insurance policy in the greater Huntley, IL area, August Vincent Insurance Agency can help you find the insurance product that offers you the best protection for your home. One of the questions that you may have is whether there are different types of home insurance policies available. 

Replacement Cost Homeowners Insurance Policy

One of the types of home insurance that is available is called replacement cost homeowners insurance. A replacement cost homeowners insurance pays your claim based on the cost of rebuilding or repairing what is damaged on the home or to the home after it was damaged or destroyed. This type of policy is perfect if you have materials that have increased as time has gone on or you do not want to worry about naturally increasing the actual cash value of your policy. 

Actual Cash Value Homeowners Insurance Policy

The second type of home insurance product that is on the market is actual cash value homeowners insurance policy. An actual cash value homeowners insurance policies pay out your claims based on the actual cash value of the items damaged, less any depreciation in your home. If you have high-end finishes that are rare and hard to find, and you are worried about being shorted by the insurance company for these items, an actual cash value policy may be the better fit for you. 

Contact Us Today

Here at August Vincent Insurance Agency, serving the greater Huntley, IL area, we can help you find the home insurance policy that is ideal for your home and your business needs. Reach out to us today to discuss whether replacement cost home insurance or actual cash value home insurance may be the ideal fit for your insurance needs. 

How to Avoid Winter-Related Car Accidents

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During the winter months, car accidents are more likely to happen. This is because roads are slick or icy. At August Vincent Insurance Agency, providing residents in the greater Huntley, IL area with auto insurance, we want to help you stay safe as you drive on roads during the winter months.

Here are our top tips to help you avoid winter-related car accidents:

Ensure Your Tires Have the Proper Tread

One of the best ways to minimize your chances of being involved in an accident this winter is to ensure your tires have the proper tread. Having the proper tread helps your tires to grip the road, which can prevent you from sliding on icy or wet roads. If your tires do not have enough tread, have them replaced before the winter season hits. 

Drive Slower Than You Normally Would

Another tip that can help to minimize your chances of being involved in an accident this winter is to drive slower than you normally would. When roads are icy or slick, you should drive a bit slower than the posted speed limit to stay safe. 

Make Sure Your Headlights Work

Finally, before you hit the roads, take the time to ensure your headlights work and then use them. Using your headlights helps to illuminate dark spaces, helping you to identify ice or other hazards. 

Get Auto Insurance Today

Unfortunately, drivers cannot prevent every accident from happening. If an accident does happen, having the right insurance can make all the difference in ensuring that your car gets repaired and you are able to get back out on the roads quickly. The agents at August Vincent Insurance Agency, serving residents in the greater Huntley, IL area, can help you with all of your auto insurance needs. Call us today to obtain an estimate for a new auto insurance policy. 

Who Really Needs Umbrella Insurance?

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You may have heard the term "umbrella insurance" before, but what is it really? And do you really need it? Here’s a quick overview of umbrella insurance from August Vincent Insurance Agency in Huntley, IL.

What is Umbrella Insurance?

Umbrella insurance is an additional layer of protection that can be added to your existing auto and homeowner’s insurance policies. It provides coverage for claims that may exceed the limits of your regular policy, such as personal injury or property damage.

For example, let’s say you’re at a barbecue and someone slips on a wet spot on the deck. They might sue you for medical expenses, lost wages, and pain and suffering. If the cost of their lawsuit exceeds your homeowner’s policy limit, umbrella insurance would step in to cover the difference.

Do You Need Umbrella Insurance?

Many people don’t need umbrella insurance because they don’t have enough assets to warrant the extra coverage. However, if you have a lot of assets—such as a home, investment property, savings, stocks, or bonds—you might want to consider umbrella insurance to protect yourself from a potential lawsuit.

We Are Here To Answer Your Questions

Umbrella insurance is an additional layer of protection that can be added to your existing auto and homeowner’s insurance policies. It provides coverage for claims that may exceed the limits of your regular policy, such as personal injury or property damage. If you have a lot of assets in Huntley, IL — such as a home, investment property, savings, stocks, or bonds— you might want to consider umbrella insurance to protect yourself from a potential lawsuit. Contact August Vincent Insurance Agency to set up a time, and we can help you determine if umbrella insurance is right for you.

Confused about finding the right insurance for your IL home? Let us help

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August Vincent Insurance Agency Huntley, IL is here for the residents of the state of Illinois. We can help you find the right home insurance policy that best meets your needs. With so many options available, it can feel next to impossible when it comes to finding the right one for your family. That’s why you can rely on us! Give us a call today and let us help.

Selecting the right policy to protect your IL home

When it comes to selecting the right policy to cover your IL home, the process can feel like a daunting one! There are so many options available, and so many different companies providing policies in our state, that it’s easy to get confused or overwhelmed. The main areas of home insurance include liability, loss, and damage. You need protection in all three areas in order for a policy to be considered complete. 

If you entertain a lot, it may be a good idea to carry additional liability insurance. This is just one way that working with a local agent can help. Rather than try to figure everything out on your own, you can work with someone who has the knowledge and experience to help inform your decision. Finding the right home policy may take some time, but it is absolutely worth the effort needed!

We are here to help you!

Homeowners in Illinois can turn to the team at August Vincent Insurance Agency in Huntley, IL for all of their insurance needs. We have the expertise that is needed to help our clients make the right decisions when it comes to insurance. We are here to help! Give us a call today to learn more about the home policy options that are available in our state.  

3 Reasons Your Auto Insurance May Need Revisiting

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Insurance coverage that hasn’t kept up with major changes in our lives can have a significant impact on what we’re actually covered for. If you’ve recently made a major life change, then now is a great time to revisit your auto insurance policy, and see if anything needs updating. At August Vincent Insurance Agency, serving the Huntley, IL area, we often see drivers with old policies that no longer fit their needs.

Here are three reasons you might want to revisit your own auto insurance policy:

1) You’ve made some kind of big life change

Whether you’ve gotten married, bought a house, or moved to a new state, you should check in on your auto insurance policy, make sure that the information they have is up-to-date, and make sure that the policy still covers what you need it to cover.

2) You’ve added a child to your family

Children factor into insurance policies in different ways. While teen drivers can mean an increase in prices, a baby can often mean lower premiums since families with young children don’t tend to take many long road trips.

3) You’ve added another driver or a new car

New toys are exciting, but they can be rough on insurance depending on what type they are. Adding another driver can also change your rates in ways you might not expect. Either way, it’s important to update your policy to reflect these sorts of changes as soon as you can, to make sure everyone and their vehicle are covered properly.

Contact us at August Vincent Insurance Agency today to update your auto insurance policy. We’re proud to serve the Huntley, IL area, and are committed to helping you find the right insurance policy for your needs.

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