Author: agentinsure

Will Worker’s Comp Cover Injuries If You’ve Been Drinking Alcohol?

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Workers’ compensation is often required in many states if an employer has at least one employee. However, employees need to understand how it works in case something happens on the job. Employers also need to know what happens if an injury involves drugs or alcohol.

What Is Workers’ Compensation?

Workers’ compensation is a type of insurance that helps protect employees who are injured on the job. It only covers injuries that occur while performing work-related duties and typically does not provide coverage for pre-existing conditions. Workers’ compensation generally covers medical bills and provides employees with a portion of their paycheck to compensate for lost wages. An agent at Martin Insurance Team can help you learn more about these benefits.

Exclusions

Several exclusions apply to workers’ compensation claims. Accidents in Evergreen Park, IL, involving drugs or alcohol are typically not covered. Many workplaces require employees to take a drug test after an accident to ensure the injured person was not under the influence at the time of the incident. If they were, the employee is considered responsible, not the employer.

Injuries resulting from fighting or horseplay are also excluded. Similarly, injuries caused by violating workplace rules are not covered. For example, if a machine operator disregards safety instructions and gets injured, their claim will likely be denied.

Workers Not Covered

Some groups of workers may not be covered under workers’ compensation insurance. For instance, agricultural workers are excluded in certain states. Volunteers are not eligible for coverage, and domestic workers, such as maids and nannies, typically do not qualify.

An insurance agent at Martin Insurance Team can help you understand how workers’ compensation coverage works and whether you qualify for benefits. Contact us today to learn more. We proudly serve the Evergreen Park, IL area.

How Commercial Auto Insurance Protects Your Company From a Lawsuit

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Owning and operating a commercial vehicle or fleet exposes you to more risks than the average driver. Your vehicle is on the road for longer periods, and you encounter various traffic situations. At the Martin Insurance Team in Evergreen Park, IL, we want you to feel confident that you’re protected against damage to your vehicle and business in case of an accident. Here’s how commercial auto insurance can help.

How Commercial Auto Insurance Covers Liability

If you or an employee causes damage to someone else’s vehicle or property, your commercial auto insurance policy handles the issue on your behalf. The insurer works directly with the injured parties, allowing you to focus on running your business without added stress.

Protection From Damaging Lawsuits

The injured party has the right to file a lawsuit against your business for the damages they suffered. This means you would need legal assistance to defend yourself. With a commercial auto insurance policy, your insurer provides legal defense, including a lawyer, and negotiates with the plaintiff’s attorney to settle the case. This protection ensures your business can avoid the financial strain of legal costs that could otherwise jeopardize its operations.

Learn How to Protect Your Commercial Fleet and Business

The Martin Insurance Team in Evergreen Park understands the challenges faced by commercial vehicle operators. Having the right commercial auto insurance protects you, your employees, and your business from various liability issues. Contact us today to learn more about how we can help you secure the coverage you need to keep your vehicles on the road.

Why Get Retirement Insurance From an Independent Insurance Agent?

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Do you need retirement insurance but aren’t sure where to start? The professionals at Martin Insurance Team, servicing Evergreen Park, IL, can help. We offer retirement insurance to residents of Evergreen Park and the surrounding areas. As an independent insurance agency, we specialize in helping our customers find the best policy for their needs at the most competitive price. Here’s what you need to know.

What Is an Independent Insurance Agent?

There are two types of insurance agents: independent and captive. Captive insurance agents only sell insurance from one company. They may have quotas to meet and offer a limited selection of insurance products.

On the other hand, an independent insurance agent works with multiple insurance carriers. These agents can provide a variety of insurance quotes for their customers, giving clients more options to choose the right policy for their specific needs.

What Are the Benefits of Working With an Independent Insurance Agent?

Shopping for insurance becomes much easier when you work with an independent insurance agent. Instead of contacting multiple agents to compare prices and policies, an independent agent can do the legwork for you, providing quotes from various companies.

Additionally, independent insurance agents are not bound by quotas or obligations to a single insurance company. Their primary focus is on representing the best interests of their clients, ensuring you get the insurance product that fits your needs.

Need Retirement Insurance? We Can Help

If you’re looking for retirement insurance, the professionals at Martin Insurance Team, servicing Evergreen Park, IL, are here to assist. We work with multiple insurance carriers to help you find the right retirement insurance policy tailored to your needs. Your retirement is important, and we’re committed to helping you secure the best coverage. Contact us today to get started!

Liability Insurance Variables for Your Auto Insurance Policy

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Are you concerned about the amount of liability insurance your auto insurance policy provides? It’s important to consider how much coverage you need carefully. Once you’ve assessed your needs, contact an insurance agent serving Evergreen Park, IL to update your policy.

Driving Experience

Think about how much driving experience you have. If you’re a new driver, you may be at a higher risk of being involved in a vehicular accident that is your fault.

Your driving experience can also affect your confidence behind the wheel. If you’re not yet a skilled driver, increasing the amount of liability protection in your policy can provide added peace of mind.

Driving Patterns

Do you frequently drive in populated areas where accidents can happen unexpectedly? If so, it’s worth taking a closer look at your driving patterns.

Your driving patterns can reveal how risky your typical driving conditions are. If you often find yourself navigating congested areas, adding more liability coverage to your auto insurance policy may be a wise decision.

Liability Coverage Security

Liability coverage offers essential security when you need it most. If you’re found at fault in a vehicular accident, this coverage can reimburse you for out-of-pocket costs. It can also cover the expenses required to repair another party’s vehicle.

Additionally, liability coverage can handle costs associated with property damage caused by your actions. Having adequate liability coverage is crucial—it protects your best interests whenever you’re on the road.

Additional Insurance Support

If you’re concerned about the amount of liability protection in your policy, contact one of our Martin Insurance Team agents. A qualified insurance agent can answer your questions and assist with updating your auto insurance policy to ensure you’re fully protected.

Cargo Coverage Confusion: What’s Actually Protected During Transit?

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Let’s face it—navigating cargo insurance can feel like trying to read a map without a compass. At Martin Insurance Team in Evergreen Park, IL, we talk to transportation professionals every day who are unsure about what their cargo policy actually covers. If you’ve ever wondered whether your shipment is truly protected from pickup to delivery, you’re not alone.

What Does Cargo Insurance Really Cover?

Cargo insurance is designed to protect the goods you’re hauling, but not all policies are created equal. Many people assume that once cargo is loaded, it’s covered for any potential issues that may arise. The truth is, certain risks—such as theft, fire, or damage caused by an accident—are typically covered, but others, like poor packaging or acts of God, may not be.

Understanding the fine print is crucial. For example, some policies only cover specific types of freight or limit coverage based on the value declared. If your policy doesn’t match the actual value or nature of your cargo, you could be left footing the bill.

Why It Matters for Your Business

Whether you’re an owner-operator or manage a fleet, not knowing what your policy protects can lead to major financial loss. One shipping mishap could result in a claim denial, delays, or even legal issues with clients. That’s why it’s essential to partner with an insurance agency that takes the time to explain your options clearly.

At Martin Insurance Team in Evergreen Park, IL, we specialize in transportation insurance and help you find the right cargo coverage to keep your business moving forward. Give us a call today and let’s make sure your cargo is protected every mile of the way.

Why Should Independent Truckers Buy Trucking Insurance?

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Being an independent trucker comes with a lot of freedom, but it also comes with a fair share of responsibility. You’re not just driving the truck. You’re running your own business. And just like any business owner, you need to protect your livelihood. At Martin Insurance Team in Evergreen Park, IL, we understand the unique risks truckers face on the road every day, and we’re here to help you stay protected.

Protecting More Than Just Your Truck

Your truck is your office, your tool, and your source of income. If something happens to it—whether it’s an accident, theft, or a breakdown—you’re not just dealing with repair costs. You’re potentially losing days or even weeks of income. Trucking insurance helps cover those unexpected events so you’re not left stranded without a plan.

Liability Coverage Is a Must

Even the most experienced drivers can find themselves in situations that lead to costly accidents. If you’re at fault in a crash, you could be held financially responsible for damages, medical bills, or even legal fees. Liability coverage within your trucking insurance can help protect you from the financial fallout of those situations.

Peace of Mind on Every Haul

When you’re out on the road, the last thing you want to worry about is whether you’re covered if something goes wrong. Having solid trucking insurance gives you the confidence to keep moving, knowing that you’re protected no matter what comes your way.

If you’re an independent trucker looking to safeguard your business, now is the time to explore your insurance options. Reach out to the Martin Insurance Team in Evergreen Park, IL, today, and let’s make sure you’re covered for the long haul.

Can I be Denied Coverage For a Pre-existing Condition?

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If you’re shopping for health insurance and have a pre-existing condition, it’s natural to wonder whether that might affect your ability to get covered. In the past, many people faced high premiums—or outright denials—based on their health history. Fortunately, the law in Illinois and across the country has changed, and Martin Insurance Team, serving Evergreen Park, IL, wants you to know that protections are now in place.

The Affordable Care Act Changed the Rules

Since the Affordable Care Act (ACA) went into effect, insurance companies can no longer deny you coverage because of a pre-existing condition. This includes chronic illnesses like diabetes, heart disease, asthma, or even a history of cancer. These rules apply to all ACA-compliant individual and group plans, which cover the majority of people in Illinois.

What Counts as a Pre-existing Condition?

A pre-existing condition is typically any medical issue you had before your new insurance policy started. This includes conditions you’ve been diagnosed with, treated for, or are currently managing. Whether it’s high blood pressure, depression, or a previous injury, it falls under the same legal protections.

Are There Exceptions?

While ACA-compliant plans must cover you, not all plans are created equal. Short-term health plans and specific limited-benefit policies are exempt from following the same rules. These alternatives may come with exclusions for pre-existing conditions, so it’s important to read the fine print before enrolling.

Help Navigating Your Options

If you’re unsure which type of plan is best for your situation, a licensed health insurance agent can help. They’ll explain your coverage options, ensure the policy fits your health needs, and confirm it complies with Illinois and federal laws. With the right plan, your health history won’t be a barrier to getting the care and coverage you deserve. At Martin Insurance Team, serving Evergreen Park, IL, we’re here to help. Contact us today.

How “Own Occupation” vs. “Any Occupation” Definitions Affect Your Coverage

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When shopping for disability insurance, understanding the fine print can make all the difference. At Martin Insurance Team, serving the community of Evergreen Park, IL, we often help clients navigate the often-overlooked definitions that can significantly impact their benefits, particularly the difference between “own occupation” and “any occupation” coverage.

What Does “Own Occupation” Mean?

“Own occupation” disability insurance protects your ability to work in your specific profession. This means that if an illness or injury prevents you from performing the duties of the job you were trained for—even if you could technically work in another field—you may still qualify for benefits. For example, if you’re a surgeon who can no longer operate due to a hand injury, you’d still receive benefits even if you could teach or consult.

How “Any Occupation” Coverage Works

On the other hand, “any occupation” coverage is more restrictive. It typically only pays benefits if you’re unable to work in any job for which you’re reasonably suited, based on your education, training, and experience. So, if you can’t perform your current job but could work in a less demanding role, your claim might be denied.

Why This Choice Matters

Choosing between these definitions isn’t just about cost—it’s about protecting your lifestyle and career. “Own occupation” policies are usually more expensive, but they offer greater security, especially for specialized professionals. “Any occupation” might save you money upfront, but it could leave you vulnerable when you need coverage the most.

At Martin Insurance Team, serving the greater Evergreen Park, IL region, we’re here to help you choose the right disability insurance policy for your unique needs. Contact us today to ensure you’re covered when it matters most.

Have You Reviewed Your Motorcycle Insurance Lately?

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Motorcycle ownership is a joy, especially when coupled with the right insurance and adequate coverage for your needs. Like other insurance types, motorcycle insurance needs periodic updates.

The team at Martin Insurance Team, serving Evergreen Park, IL, can assist you with the review process. Regularly updating your motorcycle insurance ensures that you have the right coverage level for your vehicle.

Why Review Your Motorcycle Insurance?

When you secure an insurance policy, the coverage level is determined by several factors, including your vehicle’s value and the repair or replacement cost. Over time, a motorcycle’s repair or replacement cost can increase, while your insurance coverage remains the same.

By reviewing and updating your motorcycle insurance regularly, you’ll have the assurance that your insurance is sufficient to repair or replace your motorcycle if a covered event occurs. It’s advisable to review your motorcycle coverage annually to ensure that it is adequate.

Steps to Take When Reviewing Motorcycle Insurance

There are several steps to take when reviewing motorcycle insurance:

  1. Request the policy. If you don’t have a copy of the policy, your insurance agent can provide it for you.
  2. Review the policy details. Examine the policy to see how much coverage it provides.
  3. Update the amounts as needed. If you’re unsure whether your insurance policy is adequate, consult your insurance agent. Engage in a conversation to determine if you have enough insurance for your vehicle.

Ready to Review Your Motorcycle Insurance? Contact Us to Get Started

The team at Martin Insurance Team, serving Evergreen Park, IL, is here to help you review your policy. Call today to begin your insurance policy review.

How would a transportation insurance plan help my business in Illinois?

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Operating a business in Evergreen Park, IL, can be a rewarding career choice. If you run a business here, it’s crucial to ensure you have the right insurance. One type of coverage that is essential in this area is transportation insurance. A transportation insurance plan can benefit your business in several ways.

Protection for Vital Auto Assets

If your business owns vehicles such as cars or vans, they are likely crucial assets on which you depend. Moreover, these vehicles might be transporting valuable cargo for you. A transportation insurance plan protects both the vehicles and the cargo. This can help maintain your organization’s financial stability if an accident or theft occurs.

Liability Risk Management for Your Vehicle

A transportation insurance plan can also help manage any liability risks that you have. There is some liability risk if you have drivers operating your vehicles. The right insurance can help manage or reduce these risks, as you will receive liability coverage.

Compliance with Illinois Vehicle Laws

Insurance is also likely a requirement for you and your business. There are various legal obligations to carry insurance to comply with state insurance laws regarding commercial vehicles. Any lender or investor will require you to carry sufficient insurance, including transportation coverage.

It’s always important to ensure that you have the right insurance for your business when you are in the Evergreen Park, IL area. If you are considering a new plan here, you can contact our team at the Martin Insurance Team. Our professionals will help you evaluate your business needs and secure the right coverage, including a comprehensive transportation insurance policy.