You have put all kinds of time, energy, and money into your business. It isn’t just your personal livelihood but that of all your employees. Due to this, should anything happen to it you and all your workers might be completely out of work, not to mention you can be out of a sizable investment. If you run your business in or around Niles, IL, it is important to protect your business with commercial insurance. Bob Korvas Agency Inc. can help you find the right coverage for your professional needs. 

Damage To Your Property

Even if you rent out the property itself the valuables inside the business are not protected by the owner’s insurance. So whether you have valuables machines inside the storefront or merchandise was stolen or damaged, you can protect yourself from unnecessary expenses with the help of commercial insurance. 

Worker’s Compensation

If someone is injured while at work it is your responsibility to help pay for the medical bills and other expenses (as long as they were injured doing their regular work and not from a non-work related issue). Worker’s compensation will help you pay for this. You shouldn’t have to pay for the medical bills out of pocket, as this will become expensive. Worker’s compensation is there to help you and your workers every step of the way. 

The right commercial insurance will protect your business in any number of ways. It will help pay for worker’s compensation while also giving you money if your business is robbed, broken into or damaged in any way. You’ve put all kinds of money, time, and energy into your business. You also need to protect it. If your business is is or around Niles, IL, the Bob Korvas Agency Inc. is here to help. 

At Bob Korvas Agency Inc. we understand that motorcycle rider are passionate about riding in all weather conditions. While many people ride less often in the darker, colder months, or stow their bikes altogether, it is still of the utmost importance to maintain upkeep on your cycle.

With winter weather officially upon us, winterize your bike.

•  Steps, notes on how-to. (Fluids, battery, tires, etc)
•  Winter riding items for warmth and safety. (Suits, boots, gloves, warming gear, tire warmers, windscreens, etc)

Be aware of current weather and road conditions around Niles IL Cold, damp roads, as well as de-icers and salt on the street, alter the texture of the roads you ride on every day. Consider an alternate route if one is available.

And as always, make sure your insurance is up to date! Your cycle is a valuable investment, and your safety is essential. Both are important to us. Call Bob Korvas Agency Inc. and speak to a member of our team. We will help you and your cycle stay protected so you can enjoy this winter.

With another new year just around the corner, now is a great time to (update your policy, shop for a new policy).

•  Information about motorcycle insurance throughout IL. (Current requirements, averages)
•  Niles IL laws (New and old – what’s changing)
•  Expected increases (How much, why, and when)

Let Bob Korvas Agency Inc. help you start 2019 off right: make it your New Year’s resolution to make sure your motorcycle insurance policy is up to date. Call today and speak with one of our representatives. Together we’ll keep you tuned in to all your current insurance needs!

There was a time when homeowners’ insurance and an auto indemnity plan was enough to protect you from financial ruin. Standard assurance policies in this day and age, however, may not be enough to keep you covered when accidents occur in Niles, IL. Bob Korvas Agency Inc. can help you find the right umbrella insurance plan so that you are fully protected when tragedy strikes. 

What is umbrella insurance?

You can consider umbrella insurance as your safety net when your standard assurance policies fall short. This type of indemnity plan pays the difference when your auto or homeowners’ insurance policy limits are exhausted. 

Say, for example, you have a car accident that leads to more than $20,000 in property damage. Your policy limits, however, only guarantee $15,000 in payment for repairs. You are still responsible for the remaining $5,000 even if your insurance plan does not cover such amount. Umbrella assurance would help in this instance as a plan could pay for the additional expense. 

Does umbrella insurance have policy limits?

Just as with any other indemnity plan, umbrella insurance has its limits. The amount of extra coverage that you receive when you need it the most in Niles IL depends on the premium amount that you are willing to pay. You may not have the biggest safety net if you want to pay as little as possible every month. On the other hand, you may find your added protection to be endless if you opt to pay more in premium amounts. 

How much assurance do you need?

The amount of umbrella insurance that you need depends on your lifestyle. You may want to pay more if you have assets that can be taken in a lawsuit should your traditional assurance policy fall through. It may also be necessary to buy a more expensive assurance plan if you do not have thousands in the bank to pay if your policy limits are exhausted. 

Bob Korvas Agency Inc. can help you determine the umbrella insurance plan that fits you best. Contact them today for a quote!

The world around us is constantly changing and healthcare is one of those things.  Laws and rules change almost constantly so it can be hard to know how things work.  We may assume that dental is covered under medical, but most of the time it is not.  Bob Korvas Agency Inc. wants you to understand so you can make an informed decision when purchasing insurance.

Dental Insurance

The Basics

Niles IL is a nice place to live, but life can be stressful if you don’t know your way around insurance.   There are options to choose from when selecting a dental policy and some give you more coverage than others. 

PPO

Preferred Provider Organizations tend to give more flexibility.  Dental PPOs typically offer a larger network of dentists, but it comes at a cost.  Monthly premiums run higher than other options available.

HMO

Health Maintenance Organizations provide limited coverage for a reduced cost.  Dental HMOs provide their members with a list of contracted providers and a primary dentist must then be selected.  If members see someone who is out of network insurance won’t pay.  Referrals to a specialist must be made by the primary dentist. 

Dental Indemnity

Dental Indemnity policies require the member to pay the dentist directly and then submit a form for reimbursement.  Disadvantages of this type of policy include long waits for reimbursement, but they have greater flexibility in selecting a dentist.

Dental Savings Plans

Dental Savings Plans are exactly that.  They are not dental insurance.  All they do is provide a discount for services to people who pay an annual membership fee.

Bob Korvas Agency Inc. knows that Niles, IL residents may still have questions so they can be reached by phone at 847-470-8830 or by email by going to their website and filling out the online form.   

At Bob Korvas Agency Inc. serving the greater Niles, IL area, we are often asked questions pertaining to health insurance policies and pre-existing conditions. Many people do not understand the way the laws work for pre-existing conditions and their health insurance policies. One of the more specific questions that we are often asked is whether you can change your health insurance provider when you are pregnant. Here is what you need to know about this topic. 

Can You Change Health Insurance Carriers During Your Pregnancy?

You can change health insurance carriers during your pregnancy. However, if you are purchasing a private policy, pregnancy is considered a pre-existing condition. As such, you may have to declare that you are pregnant and your premiums may be significantly higher. Pre-existing conditions do not come into play with employer-sponsored health insurance plans or plans you are buying from the health insurance marketplace. 

Does Pregnancy Count as a Life Changing Event for the Health Insurance Marketplace?

You can only change or purchase a new health insurance plan through the health insurance marketplace for a life-changing event. Becoming pregnant does not qualify as a life-changing event. As such, unless it is open enrollment period, you will not be able to change your plan or purchase a new one simply due to the pregnancy. Once you have your child, it is considered a life-changing event, and you will be able to change or buy a new policy at that time. 

If you are pregnant and looking to change health insurance in the greater Niles, IL area, Bob Korvas Agency Inc. can help you. Give us a call today and let us help you find the best health insurance plan for your needs and budget. 

Obtaining commercial insurance for your rental property is easy to obtain through Bob Korvas Agency Inc. The demand for Niles, IL real estate continues to increase, and Property Management must fulfill that demand. It is vitally essential for property managers to assess risk appropriately. For example, the most significant threat that property managers have to deal with relates to occupants not paying their rent. Since this is the case, it’s important to take steps to ensure your protection in all cases. Property managers should consider different types of insurance. Obtaining an insurance policy for your commercial property will help you deal with unexpected issues as they will inevitably arise.

Getting the best type of insurance for your company should be simple. You may ask what individual needs commercial property insurance. The answer is anyone that rents or leases property or anyone who hire someone for management purposes or does the management themselves. Any form of management relating to a residential or commercial property should obtain Commercial Insurance.

The type of insurance a business needs will vary upon how many employees are with the company and the types of property owned by the company. General liability insurance will give your business General coverage. This type of insurance is intended for businesses with a physical location. It covers damage to property as well as injuries that occurred to people on your property. This type of insurance does not cover lessees or renters. However, you won’t be held liable for damage to property and personal injuries.

The moment that you open your business you will need general liability insurance at the very least. A general liability policy will protect you if a potential renter is injured while touring one of your properties.

A Business Owners Policy is another type of coverage; also referred to as a BOP. The Business Owners Policy is an insurance package that includes multiple insurance products. It typically involves combining commercial property insurance with general liability insurance. This combination covers property damage, false advertising, and personal injury claims. 
 

If you are like many others, you assume that hopping on an RTV (rough terrain vehicle) in Niles, IL is as simple as taking a regular car out for a spin-after all they both have four wheels and an engine, so how hard can it be? The fact is, in some respects you’re right, both do have a less risk of crashing than something with only two wheels, however, even experienced riders find themselves in dangerous situations when it comes to riding an RTV. So, if you are considering taking an RTV ride for the first time, here are a few tips to avoid common mistakes made by beginners.

Roll Overs

It is extremely easy to roll an RTV over and the last thing you want is to be under a heavy piece of machinery. One of the most common ways a rollover happens in an RTV is looping out, which is done by hitting the gas too hard and too quick. The front end of the RTV jolts up and goes out of control, throwing you back and ultimately under the RTV. Rollovers can also happen when you are spinning in the mud or other slick conditions. In most situations, the tires will eventually grip the ground, but if you’re not paying attention you can be thrown.

Over Throttling

There is nothing more exciting than the feeling of speeding through a field or the woods, but until you learn to control the throttle, it is important to work your way up to high-speed rides in stages. When you just jab the throttle/gas and go, you can end up underneath the RTV or be thrown several hundred feet. It is extremely important that you get to know the throttle and how little or how much it takes to reach a certain speed.

The most common, yet most serious mistake many beginners make is having a false sense of security. it is important to keep in mind that just because someone else doesn’t wear safety equipment or the appropriate clothing when riding an RTV and they haven’t been hurt that it’s okay for you as well. You need to wear a helmet, goggles, gloves, eye protection and boots at the minimum. It is also essential that you never attempt to go out alone, especially on your first few attempts.

Residents in and around the Niles, IL area interested in learning more about RTV insurance coverage should contact Bob Korvas Agency Inc.