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Heil and Kay Insurance Agency Inc. Blog

View the latest blog posts from Heil and Kay Insurance Agency Inc..

Your small business insurance needs a very specific companion: the certificate of insurance. It’s a valuable business insurance tool, and it’ll keep you safe when working with vendors. Whether you’ve landed a new client, are expanding your business or are simply outsourcing a project, this certificate might save you if liability claims arise. READ MORE >>

Buying a home is an exciting time. You finally have a place of your own. You can do whatever you desire. And, you are working to make this place your own. Protecting it is a very important step. Home insurance can do that. It provides financial protection to you should accidents occur. READ MORE >>

Young drivers suffer from inexperience. As a skilled, older driver, you may have the ability to react faster. You understand better how a car reacts in wet conditions. You know how much distance to leave between vehicles. Teens do not know this. To minimize the risk of auto insurance claims, work to educate your teen on these and other factors. READ MORE >>

Providing a safe place for visitors to arrive at your home is important. If you invite guests to your home to relax on your patio, they expect to be safe doing so. Accidents can occur anywhere. If you have ample home insurance, however, you might not have to worry about those risks. READ MORE >>

Businesses face a slew of risks, annually. Even if you’re an optimist, you should prepare for the worst. One of the ways to do so is with business insurance. Before deciding on a policy, you should pinpoint the biggest dangers to your business. Below, we’ve outlined the five biggest pitfalls you might fact as a business provider. READ MORE >>

2015 Chicago Michelin Bib Gourmands Revealed by Daniel Gerzina Nov 5 2014, 10:00a @DanielGerzina This year's list has 10 fewer Bib Gourmands than last year's. Chicago Michelin season is officially underway, as the Michelin Guide's 2015 list of Chicago Bib Gourmands—essentially the Michelin-approved less expensive restaurants—have been revealed. READ MORE >>

How States Rank in Workers’ Compensation Premiums October 29, 2014 by Don Jergler A list of state rankings for workers’ compensation premiums shows a slight drop in premiums in the last two years, and that a number of states are close in terms of how much employers are paying. READ MORE >>

4 Reasons You Need a Vendor’s Endorsement   In order to do business, most companies require that you go beyond the basic coverage protection plans. A Vendor’s Endorsement is an insurance policy for business vendors which provides additional coverage beyond standard liability and against any harm that might occur from a manufacturer’s products. READ MORE >>

How to Protect Yourself From Internet Scams     The Internet has brought many goods and services into our homes for our convenience and inconvenience. We all complain about unwanted E-mail in the form of spam.   READ MORE >>

    CLAIMS: WHAT YOU NEED TO KNOW AND INSURANCE COMPANIES DON’T WANT TO TELL YOU…   By : John E Heil, AAI   When losses occur, insurance companies are expected to respond in a professional manner to rapidly settle the resulting claim or claims. READ MORE >>

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