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Clemens & Associates, Inc represents more than 45 insurance companies, providing transportation, business and personal insurance, plus corporate benefits and life and health insurance to more than 7,000 policyholders.

Clemens Insurance is committed to achieving a high standard of excellence in everything we do.  You can depend on Clemens to reach that standard in meeting all of your insurance needs. We are one of the largest, full-service, independent insurance agencies in downstate Illinois – with offices in Bloomington, Carbondale and Jerseyville. Our Orlando, Florida; Newnan, Georgia and Nashville, Tennessee offices specialize in transportation insurance.  Our territory includes the states of Georgia, Florida, Illinois, Indiana, Missouri, North Carolina, South Carolina, Tennessee and Wisconsin. We can write commercial truck and public auto in all states and we can also write business auto and workers compensation in most of the eleven states.

Rising Insurance Premiums in the U.S. Seen as a Serious Problem in the Trucking Industry (June 25, 2015)

The U.S. trucking industry is facing challenges that threaten the industry as a whole. These challenges affect trucker’s ability to maintain efficiency and compromise the quality of services commercial drivers are able to sustain. The top issues that pose the greatest threat to the motor carrier industry, so vital to the U.S. economy, are: rising… Continue Reading

Does Your Company Meet the Health Care Law’s Employer Shared Responsibility Threshold? (June 18, 2015)

Are you a large employer? If so, you need to make certain you are meeting the U.S. Affordable Care Act employer shared responsibility requirements. Under the law, certain employers called Applicable Large Employers (ALEs) must offer either minimum essential coverage that meets certain criteria or make a shared responsibility payment to the IRS. A majority… Continue Reading

Health Care Improvements Expected through the Health Care Payment Learning and Action Network (June 11, 2015)

There’s a new kid on the block when it comes to health care. The White House kicked off the opening of a new program, the Health Care Payment Learning and Action Network in March 2015. President Obama, in his kick off speech, indicated that the central goal of the Administration’s health policy efforts is to… Continue Reading

How to Select the Right Auto Insurance (June 4, 2015)

Choosing the right auto insurance provider and policy is one of the most important personal financial decisions. Ideally, research should begin before a new vehicle is purchased. There are two basic types of auto insurance coverage: liability and property damage. Most states require individuals to purchase a certain amount of insurance coverage to drive legally…. Continue Reading

Protecting Your Transportation Business from Negligent Hiring and Related Claims (May 27, 2015)

The regulatory landscape changes frequently – negligent hiring and retention claims are on the rise. Many transportation businesses don’t fully understand the concept of negligent hiring. If you don’t understand it, how can you be sure to avoid it? Negligent hiring is a claim made by an injured party against an employer based on the… Continue Reading