The U.S. Small Business Administration estimates more than half of all businesses in the U.S. are located in the owners home. Regrettably, several of those business owners feel they don't require any special insurance policies to defend their business from everyday liabilities. Some assume their homeowners insurance will protect them. Understanding the need for insurance for home-based businesses is critical.
Contact us to review your business to make sure you are protected.
Contact us to review your business to make sure you are protected.
Services
In 1949, Bill Bracy joined his father in the Agency.
Jim Bracy followed in 1954.
At that time, the name became F.P. Bracy & Sons Insurance Services which continues today.
In 1988, Deborra followed her father, Jim, in the family business eventually purchasing the agency and becoming the 3rd generation to own and operate Bracy Insurance.
Bracy Insurance continues as a leading Property and Casualty Provider and serves both Personal and Commercial customers in the Southern Illinois Region.
Floyd P. Bracy stated in 1951 that we regard our service as a sacred trust.
Jim Bracy followed in 1954.
At that time, the name became F.P. Bracy & Sons Insurance Services which continues today.
In 1988, Deborra followed her father, Jim, in the family business eventually purchasing the agency and becoming the 3rd generation to own and operate Bracy Insurance.
Bracy Insurance continues as a leading Property and Casualty Provider and serves both Personal and Commercial customers in the Southern Illinois Region.
Floyd P. Bracy stated in 1951 that we regard our service as a sacred trust.
What is auto insurance?
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
Auto insurance protects you against financial loss if you have an accident.
It is a contract between you and the insurance company.
You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy is comprised of six different kinds of coverage.
Because everyone's needs are not the same, it is best to consult your agent to help assess your needs and find the insurance policy that is right for you.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
What is Homeowners insurance?
Homeowners insurance provides financial protection against disasters.
A standard policy insures the home itself and the things you keep in it.
Homeowners insurance is a package policy.
This means that it covers both damage to your property and your liability or legal responsibility for any injuries and property damage you or members of your family cause to other people.
As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
In fact, many business people use the same vehicle for both business and pleasure.
If the vehicle is owned by the business, make sure the name of the business appears on the policy as the "principal insured" rather than your name.
What kinds of health insurance are there?
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
There are essentially two kinds of heath insurance: Fee-for-Service and Managed Care.
Although these plans differ, they both cover an array of medical, surgical and hospital expenses.
Most cover prescription drugs and some also offer dental coverage.
These plans generally assume that the medical professional will be paid a fee for each service provided to the patient.
Patients are seen by a doctor of their choice and the claim is filed by either the medical provider or the patient.
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