As a business owner or manager, you understand the risks of doing business today. We understand how to manage those risks to reach the balance between coverage and cost that works for you. Whether you are a contractor dealing with Certificate of Insurance/Additional Insured issues or a retailer dealing with fluctuating inventory values, we are your trusted advisors.

Coverage and cost aren't the only considerations when buying insurance. You also need service. For example, when you need a Certificate of Liability Insurance, you need it now. We can respond. When you need a bid bond or performance bond, we can deliver. Want to talk about the consequences of changing your business? Call us... we'll be here.

Over the years, we have helped a wide variety of customers improve their bottom line and protect their businesses. Let us put that experience to work for you... call one of our commercial insurance representatives today.
You can reach Bob Jones or Mike Slaughter at 217-234-6428.

We Offer:

Property & Casualty - Sold to businesses, these policies are generally divided along two lines. Property includes buildings, contents, physical inventory, equipment and similar tangible property owned by the insured, while Casualty covers policies that provide third party or liability coverage. General liability, workers compensation and professional liability are the chief examples of Casualty coverage.

Workers' Compensation - State law requires that employers provide Workers Compensation insurance for their employees. This insurance provides coverage for accidents or disease arising from employment as prescribed by these state laws. Benefits can include lost wages, medical expenses, and permanent disfigurement/disability payments.

Bonding - Protection provided by a bond is not insurance! Coverage under an insurance policy involves a two-party agreement. A bond, however, provides a surety for the benefit of a third party (commonly called a beneficiary) which bonds the person who pays the premium (known as a principal) for an action. Bonds are distinguished between Surety bonds, which guarantee the performance of a contract, or Fidelity bonds, which protect against the dishonesty of employees.

General Liability - This coverage protects your business from claims arising from alleged bodily or personal injury, as well as property damage liability. It includes protection for services you render or products you sell. Coverage payments can include judgments, attorney fees, court costs, or other related expenses.

Professional Liability - This coverage is used to insure against claims arising out of negligent acts, errors or omissions in the rendering or failure to render your occupation's professional services.

Employee Benefits - Many employers offer health insurance, disability income insurance and life insurance to their employees as part of their employment benefits. Using recognized leaders in the industry like Cincinnati Life, Principal Mutual, Fortis Benefits, CNA Life and others, Checkley can offer competitive programs that strike a balance between benefits and cost.

Garage - This policy fulfills the special needs of auto-related firms and provides coverage for liability, medical payments and physical damage for owned and non-owned vehicles. Additional coverage can be purchased to customize the policy to fit the particular needs of your business.

Business Auto - This policy can provide a combination of liability protection and physical damage coverage for loss due to damage to vehicles owned, maintained or used by you or your employees. Additional coverage, such as medical payments and uninsured motorist protection, can be purchased to customize the policy to fit your business.

Umbrella - This policy provides protection against catastrophic liability claims and acts as excess coverage over your primary liability policies. Its limits apply in addition to those provided by the underlying coverage.

The insurance plans above can often be combined into customized single-package policies to simplify the handling of coverage.

Contact us about the business and employee benefits packages that will work best for you.

Toll free: (866) 234-6428 | Phone: (217) 234-6428 | Fax: (217) 234-6493
100 Lerna Road South , Mattoon , IL 61938

Copyright Checkley Insurance 2002© - Privacy Policy. All rights reserved. The Checkley Agency is a wholly owned subsidiary of First Mid-Illinois Bancshares. Insurance services are not deposits, are not FDIC insured, and are not guaranteed by the bank or any federal government agency.