Commercial Insurance

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.

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.

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.

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.

Does Commercial Insurance Cover Natural Disasters?

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Evergreen Park, IL, is a fantastic place to run a business, but it is also susceptible to thunderstorms, tornadoes, and flooding. In addition to implementing measures to protect your business from damage, you’ll also want to ensure you have the right commercial insurance policies to protect your commercial assets if disaster strikes.

Natural Disaster Coverage

Coverage varies depending on your chosen policy, and your deductible will determine how much you’ll have to pay out of pocket before the insurance company provides compensation. However, generally speaking, commercial property insurance typically covers wind damage. It won’t cover flood damage, so you must purchase a separate flood insurance policy.

Other important coverage forms include comprehensive commercial vehicle insurance and business interruption insurance. Commercial property insurance won’t cover damage to business vehicles, even if they are parked on the business premises. Business interruption insurance provides compensation to keep your business afloat until the disaster passes and you’re able to resume regular business operations.

If you run a business from home, your homeowner’s insurance won’t cover damage to business assets or inventory in your home. Talk to an insurance agency about commercial policies to keep all your assets properly covered.

Contact Martin Insurance Team for Expert Insurance Advice

Martin Insurance Team offers insurance policies and policy bundles to business owners in and around Cape Coral, Bonita Springs, Naples, and Evergreen Park, IL. We’re a full-service, one-stop shop that’s ready and able to meet all your commercial insurance needs at the best possible price. Contact us today to learn more about what we offer or get quotes on specific policies.

Why People Opt to Hire Construction Companies that Carry Contractors Insurance

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At Martin Insurance Team, serving the greater Evergreen Park, IL area, we are committed to helping construction companies and contractors get the commercial products they need, including contractors insurance. If your business doesn’t already have this type of insurance, you may wonder why you should consider it. Here are some reasons people hire construction companies with contractor insurance.

Safety First

People like to hire construction companies with insurance because it keeps everyone safe. If a worker gets hurt while fixing something, the insurance will pay for their doctor bills and lost wages. This way, you don’t have to worry about paying for accidents that happen on the job.

Protection for Your Stuff

If the construction company accidentally breaks something in your home, their insurance will cover the costs to fix it. This means you won’t have to pay for any damage they might cause. It’s like a safety net for your property.

Legal Help

If someone sues the construction company, their insurance will pay for the lawyers. This means you don’t have to worry about the legal stuff if something goes wrong.

Money Matters

Hiring a company with insurance shows they are responsible and have their finances in order. This means they are less likely to have money problems that could delay or cancel your project.

Ready to Learn More? Reach Out to Us Today

Now that you know why people opt to hire construction companies that carry contractors’ insurance, you may be ready to get your own policy. The Martin Insurance Team, serving the greater Evergreen Park, IL region, is here to help you. Call or stop by today to get started.

How Cyber Insurance Protects Against The Threat of Bank Funds Transfer Fraud

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Computer technology has elevated our culture to new heights. However, fraudulent cyber bank fund transfers present the biggest threat to businesses today. Hackers mirror trusted bank websites to steal your bank funds transfer. The Martin Insurance Team serving Evergreen Park, IL, can help explain how cyber insurance prevents disaster.

What is Bank Funds Transfer Fraud?

Bank funds transfer fraud is a common cybercrime in which hackers mimic a bank’s website to steal money. Cybercrime victims are asked to redirect funds to another source. Instead of paying bills or making an online purchase, the money is transferred to a hacker’s account. This type of crime makes it difficult to recover the lost funds because the hacker’s account disappears immediately after the transaction is completed.

What is Cyber Insurance?

Cyber insurance protects a business from financial losses caused by a cyberattack or data breach. It also helps with the major fines and legal costs associated with a lawsuit involving exposing a customer’s personal information to hackers. Thus, adding cyber insurance is a smart investment for businesses of all sizes.

The Difference Between General Liability and Cyber Liability

Bank funds transfer fraud can become an expensive proposition if your business does not have sufficient liability coverage. Unfortunately, general liability coverage will not help, as it protects against all physical risks, such as bodily injuries and property damage. Instead, you need cyber liability coverage that protects against financial losses from digital threats. The agreement covers data breaches, hacking of servers, and ransomware. Cyber liability is a welcome security blanket if you’re involved in a lawsuit over stolen customer data from the business’s computer system.

Cyber threats continue to rise in frequency. The Martin Insurance Team of Evergreen Park, IL, can create a cyber insurance policy that protects your business needs. Call and schedule an appointment today.

Understanding Different Types of Workplace Injuries: Prevention Tips

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Workplace safety is a shared responsibility. At Martin Insurance Team, which provides commercial and workers’ compensation insurance in Evergreen Park, IL, we believe that understanding different types of injuries and how to prevent them is crucial for any business looking to maintain a safe work environment.

Common Workplace Injuries

Workplace injuries can range from minor cuts and bruises to more serious incidents like fractures or repetitive strain injuries. Slips, trips, and falls are among the most frequent workplace injuries. Lifting heavy objects improperly can lead to back injuries, while repetitive motions can cause conditions like carpal tunnel syndrome. Understanding these common risks is the first step in preventing them.

Prevention Strategies

Creating a safer workplace begins with education and training. Regular safety workshops can equip employees with the knowledge to avoid common hazards. Implementing proper safety protocols, such as using ergonomic furniture and ensuring clear walkways, can significantly reduce the risk of accidents. Encouraging employees to take regular breaks can also help prevent repetitive strain injuries.

The Role of Workers’ Comp

A comprehensive workers’ compensation policy is essential for protecting employees and employers. It provides necessary support if an injury occurs and emphasizes a company’s commitment to employee well-being. At Martin Insurance Team, we help businesses tailor their workers’ comp policies to ensure they cover a wide range of potential incidents.

Call Us Today to Learn More About Worker’s Compensation Insurance

Understanding injury types and prevention strategies is key for businesses aiming to enhance workplace safety. At Martin Insurance Team, serving the greater Evergreen Park, IL area, we’re here to assist you in developing comprehensive workers’ comp coverage. Contact us today to learn how we can support your efforts in creating a safer work environment.

Why Small Business Owners in Evergreen Park, IL, Need Commercial Auto Insurance

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If you’re a small business owner managing a fleet of vehicles or any commercial car or truck to transport goods, passengers or to visit clients, obtaining commercial auto insurance is imperative. Commercial auto insurance protects your business against financial risks associated with vehicle collisions, liability, and even damage. At Martin Insurance Team, we can help you find the right commercial auto insurance for your Evergreen Park, IL business or organization.

Why Invest in Commercial Auto Insurance in Evergreen Park, Illinois

Commercial auto insurance can be extremely beneficial for companies in Evergreen Park for several reasons, including:

  • Liability Coverage and Protection: Commercial auto insurance covers expenses involving property damage or from being held liable for injury.
  • Repairs and Replacement Costs: Commercial auto insurance or comprehensive insurance can help with replacement and repairs, especially when a business vehicle has been severely damaged or impaired.
  • Legal Requirements: Martin Insurance Team will ensure that any commercial auto insurance policy or plan you obtain for your business currently abides by Illinois law. Currently, in the State of Illinois, it’s required to obtain and maintain liability for any vehicle that’s driven on the road–and commercial vehicles are no exception. We will work with you to ensure that any commercial vehicle policy you choose is suitable for your business needs based on your industry or vehicle type.

Anytime you’re running a business or organization in Evergreen Park, IL, it’s crucial to consider the type of commercial auto insurance you may require, especially when using vehicles during your work day. Whether you require commercial auto insurance for a delivery company or need help protecting semi-trucks during transport, the Martin Insurance Team can help. To learn more about your commercial insurance options and for your quote, contact the Martin Insurance Team directly today.