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.
The Federal Motor Carrier Safety Administration (FMCSA) has released new regulations for truck drivers related to distracted driving due to mobile devices. These new regulations prohibit texting and/or using a handheld mobile device while operating a commercial motor vehicle. Drivers caught texting or using a mobile phone will be subject to fines, disqualification and being… Continue Reading
Business income insurance – also known as business interruption insurance – is an insurance policy that covers the loss of a business in the case of a disaster. The policy may also include coverage for the time it takes a business to rebuild after a disaster. Business income insurance differs from business property insurance. Property… Continue Reading
Insured, Named Insured and Additional Insured, Oh My! (July 6, 2015)
Ever wondered about the difference between an insured, named insured and an additional insured? Many policyholders find these types of terms that are often found in a liability insurance policy to be confusing. Insured “Insured” is a generic term that refers to anyone or entity that qualifies for life insurance under the named policy. It is… Continue Reading
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