What We Do
Products and Services
Southern Iowa Insurance Services, Inc. is licensed to sell and service personal and commercial lines of insurance in Iowa, Illinois, and Missouri. Some of the types of insurance we provide are Home, Farm, Auto, Liability, Crop, Business Owners, Motorcycle, ATV, Classic Auto, Watercraft, Flood, Builder’s Risk, Renters, Inland Marine and Professional Liability. We also have outlets to broker hard to place risks.
Homeowners insurance policies provide coverage for damage to your home and personal belongings. Your homeowner’s policy is likely broken into four sections: Dwelling, Other Structures, Household Personal Property and Additional Living Expense. Each section provides a distinct coverage needed in the case of a loss.
The insurance protection you need when you’re on the go! Personal Auto Insurance protects you against financial loss in case of an automobile accident. Our auto insurance policies provide coverage for your motor vehicles used for your personal use and on a farm. We can cover cars, trucks, vans, farm semi tractors, farm semi-trailers, ATVs, motorcycles, campers/motorhomes, classic autos, etc. A personal auto policy includes many different sections; some are covered while you request others for an additional premium.
Insurance on your farm is essential and can involve many different facets of your operation. Your coverage should be tailormade to fit your unique farming operation. No matter the size of your service, we can help you with coverage on your farm property as a whole, including your dwelling, outbuildings, farm machinery, livestock, grain, tools, etc. Our business was built working with farmers, and we take great pride in providing an excellent product and exceptional service to you! We can ensure both your property and liability risks. Give us a call, and we can set up a time to go over your current coverage and be sure it is the best fit for your specific needs!
Your business is your livelihood! Make sure you are adequately insured. We have a variety of programs to ensure you have the protection you need if the unforeseen happens. We can assess your needs and fit you with the best possible protection for your particular business. We offer coverage for business property, liability, and auto. Regardless of the size of your business operations, we are here to help you protect your interest. If you have a commercial operation, get in touch with us, and we will get you a hassle free quote.
Personal Liability Insurance
Personal liability insurance protects against a claim or lawsuit due to bodily injury or property damage caused by an accident on your property or as a result of your activities in another location. The coverage is afforded to you and your family members who reside with you. Typically, there must be negligence on your part that caused the bodily injury or property damage. Medical expenses may also be covered under your liability policy. This coverage pays for necessary medical expenses to an individual who is accidentally injured while on your property, regardless of fault. This coverage does not apply to accidents involving your automobiles or any business pursuits.
Umbrella or “Excess” Liability insurance provides a limit of liability that in excess of your primary liability insurance. If your auto, personal liability or farm liability insurance limit is exhausted in a claims situation, the umbrella policy will take effect and may cover the additional amount of the claim. This umbrella policy can further protect your personal or farm liability risks, as well as your automobile liability risks. Typically, the umbrella policy would provide an additional $1,000,000 but can be written with a higher coverage limit if needed.
We sell and service crop insurance, including Multi-Peril Crop Insurance, Crop Hail Insurance, as well as some private products offered by Rain and Hail LLC. Give our office a call if you are interested in or have any questions about crop insurance. Multi-Peril Crop Insurance is a program developed by the Federal Crop Insurance Corporation. When it comes to crop insurance, this is the most common policy we write. It provides coverage against crop loss based either on yield or revenue. The annual deadline to take out a new plan or to make changes to your current policy limits and options is March 15th. There are also some other policies and policy riders that offer protection for your crops. We have some stand-alone options, as well as some products that work hand in hand with your multi-peril policy. Give us a call to go over your needs and together we can determine the policy and options to fit your needs best.
Worker's Compensation Insurance
Worker’s Compensation Insurance provides coverage for the business’ statutory liability. It is regulated under the states workers compensation laws. There are defined benefits provided to an insured’s employees in the case of injury or diseases due to their employment.