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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.

What You Need to Know about Renter’s Insurance (August 25, 2015)

Renter’s insurance, while often neglected or forgotten, is an essential product for those who rent their home. Unfortunately, tragic events like a fire or theft do happen from time to time. And if something happens, your belongings will need replacing. Many renters don’t purchase renter’s insurance because of the common misconception that the owner’s insurance… Continue Reading

Transportation Safety Practices (August 18, 2015)

Whether driving a small delivery van for a local business or a large tractor trailer for a national fleet, commercial driving comes with a variety of hazards and responsibilities. Commercial vehicles are often the largest (and more noticeable) on the road. Other drivers are quite likely to see you, but you may not be able… Continue Reading

Does Your Small Business Need Liability Insurance? (August 11, 2015)

Commercial liability insurance is designed to protect your Illinois business from financial loss that may result from damage or injury claims against you or your employees. Commercial liability insurance is also known as business liability or commercial general liability insurance. These types of policies generally cover: Bodily injury Property damage Personal injury Advertising injury Legal… Continue Reading

The Real Cost to Employers of Unhealthy Employee Behaviors (August 3, 2015)

Healthcare costs are a serious concern for employers. These concerns are well-founded. Healthcare costs have been rising steadily and employers are the ones who bear a great portion of the burden of the financial costs. Desperate to find relief, employers are focusing on strategies designed to impact increasing healthcare plan expenses and the unhealthy behaviors… Continue Reading

Think Insurance Fraud is a Victimless Crime? Think Again. (July 28, 2015)

Insurance fraud is not a victimless crime. Some people who commit insurance fraud think that it’s acceptable because “no one gets hurt.” But insurance fraud is detrimental to everyone who must pay higher premiums to cover the losses. Insurers cover the costs initially, but then pass those costs on to businesses and governments. Businesses then… Continue Reading