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 Insurance 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.
Do You Need Employment Practices Liability Insurance? (May 3, 2016)
by Richard Percy Employment Practice Liability Insurance (EPLI) can help protect your company against lawsuits for harassment, discrimination, wrongful termination and other similar allegations. Think about these 5 numbers and why you should consider purchasing EPLI for your business: 75,000, 125,000, 70, 101,500, and 89,000. The average cost to defend your own company against an employment lawsuit… Continue Reading
Happy Administrative Professionals Day (April 27, 2016)
Clemens Insurance would like to thank all of our Administrative Professionals. They make our jobs/lives easier every day!
What if I Borrow a Trailer? (April 13, 2016)
by Richard J. Percy This is a question that we get a lot from our truckers. If you borrow a trailer from a friend or rent it from a dealer, you need to have the trailer listed on your policy for proper coverage. Most of our policies are written on a “Scheduled Auto Policy” which… Continue Reading
What is a Personal Umbrella Liability Policy? (April 11, 2016)
The Personal Umbrella Policy is designed to increase your liability protection. This single policy acts as an “umbrella” over all of your other personal liability policies — home, auto, boat, RV, etc. — so you have a higher personal liability limit than what would otherwise be available. In certain circumstances, an umbrella policy may provide personal liability… Continue Reading
Should My Business Have Business Income Coverage? (March 30, 2016)
This coverage is not necessary for every business. Business Income Coverage provides reimbursement for lost revenue after a covered insurance loss. If your business does not have a physical address, such as a contractor, it may not be necessary. For those that have a store front, such as a bakery, business income coverage is more of a necessity.