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As an independent agency, we are here to help you find the right coverage.
Since 1921, Winters has proudly served our community, helping you find the right comprehensive coverage at a suitable price with the assistance of our experienced team of risk management professionals. Our goal is to protect the most important things that matter to you by providing the appropriate risk management solutions.
We will help you find the right blend of service, coverage, and price by working with multiple top-rated insurance carriers. As an independent insurance agency, we can help you find the risk management solutions that are right for you. If you don’t want to be left out in the cold, taking stock of your risks is a must, but there’s no need to dwell on the negative aspects of potential mishaps.
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The Advantage of an Independent Agency Working for You
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Winters + Keystone
We are a proud partner of Keystone with access to specialized products to better serve you.
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What Makes Winters Special
Here’s what sets us apart when it comes to serving your risk management needs.
Turning a Century
With a founding date of 1921, we have been actively engaged in delivering services to our local community for over a hundred years, which has bestowed upon us a vast understanding of offering top-notch protection.
Professionally Recognized
We have various professional accolades, such as the Blue Leader title with Blue Cross Blue Shield of Illinois.
Experienced Agents
We have a team of over 15 experienced agents ready to help you find the right insurance for your needs and serve you.
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Get a glimpse of the risks you face and how our risk management solutions can protect what matters most.
Business Owners Policy (BOP).
Risk Factor…………..
As a business owner, you’ve worked hard to build a solid business. But what happens when the unexpected happens? Are you covered?
Solution…………..
Make sure you are adequately safeguarded and have a conversation with your agent regarding the specifics of this insurance, encompassing your lifestyle, your staff, its continuity, your enterprise, and your vital resources; a business owners policy is specifically crafted to provide protection.
Errors and Omissions Liability (E&O) coverage.
Risk Factor…………..
Lawsuits alleging the mistake or oversight resulted in harm to your client can lead to a financial setback if you provide services to others and are exposed to the possibility of performing the work inaccurately (mistakes) or neglecting it entirely (omissions).
Solution…………..
If you provide services to customers, make sure you possess this crucial protection: errors and omissions liability insurance safeguards any company that offers guidance, provides informed suggestions, formulates solutions, or advocates for the interests of others.
Directors and Officers Liability Insurance (D&O) coverage.
Risk Factor…………..
Officers and directors, such as board members, can be held accountable for acts of negligence in the performance of their duties. Any lawsuits resulting from such acts expose them to increased risk factors. These lawsuits are typically expensive to defend and can potentially lead to large settlements.
Solution…………..
Obtain comprehensive insurance coverage to protect senior individuals of your company’s officers and directors, providing necessary funds for defense costs and settlement expenses beyond any covered by the insurance policy, and covering the legal costs to defend against a lawsuit.
Commercial Umbrella.
Risk Factor…………..
What occurs when your enterprise encounters a substantial liability loss that surpasses the fundamental threshold of your typical policy?
Solution…………..
Your business is well protected with a great insurance policy that ensures net safety and provides coverage for liability, directors, officers, workers’ compensation, and general liability. The coverage is extended over your general and auto business insurance, with typically high limits of $10,000,000 and $2,000,000 between, thanks to a commercial umbrella policy.
General Liability.
Risk Factor…………..
Businesses are vulnerable to numerous hazards, including claims resulting from physical harm, damage to property, personal harm, and other similar incidents.
Solution…………..
General liability insurance is an essential requirement for any business. When you are held liable and responsible, this coverage provides broad protection and will also pay to defend any covered action or lawsuit, regardless of its merit.
Crime and Surety Bond.
Risk Factor…………..
What will you do if one of your reliable staff members is discovered to have engaged in dishonest behavior?
Solution…………..
Discuss the details of this coverage further with your agent. Additionally, fidelity and crime coverage is designed to provide coverage for disappearance, destruction, theft, depository, forgery, and employee dishonesty.
Environmental Insurance.
Risk Factor…………..
Can your business potentially harm the environment? If that’s the case, do you have insurance coverage?
Solution…………..
Environmental insurance offers coverage in the event of an environmental disaster.
Systems Breakdown.
Risk Factor…………..
The financial burden can be significant due to additional costs and decreased earnings, along with the disruption of your business and the expenses associated with equipment repair, given the extensive use of technology in today’s society.
Solution…………..
Comprehensive coverage provides protection against the potential breakdown of machinery. Engage in a discussion with your insurance broker to review the details of the policy.
Workers’ Compensation.
Risk Factor…………..
If one of your employees becomes ill or receives an injury due to a work-related occurrence, you are required by law to have proper coverage in place.
Solution…………..
Your responsibilities comprehend that it is essential to abide by the law, which mandates that employees should have coverage to protect them in case of job-related sickness or injury during the course of their employment. This ensures that workers receive compensation.
Commercial Vehicle Insurance.
Risk Factor…………..
By potentially causing property damage or bodily injury in an auto accident, you are putting your business at risk of financial jeopardy.
Solution…………..
Business auto insurance provides coverage for both collision and comprehensive, which includes coverage for property damage and bodily injury. This coverage is applicable to vehicles that are either leased or owned by a commercial enterprise.
Employment Practices Liability Insurance (EPLI) coverage.
Risk Factor…………..
Challenging a legal assertion can be restricted by something you are capable of, whereas initiating a legal action cannot be avoided, it is approximated that three out of five enterprises will be subjected to litigation by their staff members on average.
Solution…………..
Obtain employment liability insurance to protect your business and its directors, officers, and employees from alleged acts of sexual harassment, discrimination, wrongful termination, and failure to promote.
Cyber Liability.
Risk Factor…………..
The Internet has created a whole new world of liability exposures. Technologies such as cloud storage, social networking, and e-commerce bring great benefits to both small and large businesses alike. However, these advancements also present challenges, including the protection of your customers’ financial information and data privacy.
Solution…………..
Cyber liability insurance protects against unauthorized entry into electronic data or software within your network. It also offers coverage for the dissemination of a computer virus, theft of computer equipment, extortion, or any unintended action, error, mistake, or omission made by an employee. As you adopt technology to manage your businesses, this coverage is becoming increasingly crucial.
Business Income.
Risk Factor…………..
What would you do if a prolonged period of downtime or a system outage caused by a pipe leak or a fire that impacted your business operations could potentially have a significant long-term impact on the viability of your business, bringing in revenue and serving clients?
Solution…………..
If your business cannot operate as usual and loses income, your business insurance policy compensates you for lost income. Under your commercial property insurance policy, you are covered for damage such as water or fire. If the incident did not occur, your financial records would show the revenue you earned and the business interruption insurance covers that. Even if your business activities have temporarily come to a halt, the policy also covers operating expenses like electricity, allowing you to continue your business.
Commercial Property.
Risk Factor…………..
Your business premises are a substantial financial investment. What if an unforeseen event occurs?
Solution…………..
Commercial property insurance can help protect the physical assets of your business, whether you lease workspace or own your own building. It is possible to combine coverage for fixtures, furniture, inventory, equipment, and other things, or purchase them separately.
Business Owners Insurance 101
Ensure that you address the distinctive hazards you encounter with insurance for business proprietors.
Report a Claim
Receive assistance in submitting your claim.
Policy Change
Refine your policy choices.
Request Certificate
Obtain evidence of your insurance promptly.
Auto ID Card
Misplaced your card? Obtain a replacement.
Pay Bill
Make online payments in a secure manner.
Policy Review
Assess your coverage in relation to your current requirements.
Contact Winters
As an independent agency, we are here to help you find the right coverage.
We are authorized to cater to customers in Illinois and more than 20 other states from our office in Quincy, IL.
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