The final segment in our video series about what insurance a small business actually needs. Bad Luck Case #5 We review the need for Employment Practices Liability Insurance . Bad Luck Case #6 A Key Man Life Insurance Policy would have been very helpful, giving the business valuable time to recover from the loss.

As we continue our series of business insurance examples… See how Bad Luck Case #3 might have been improved with a Property Insurance Policy that included Debris Removal Coverage, along with Business Income Insurance. Bad Luck Case #4 reveals a very real need for Cyber Liability Insurance with Data Ransom Coverage

What insurance does a small business actually need? Much of a business’s success depends on how well it can overcome obstacles. Tunnell Insurance Agency is here to help guide you through the perils that you likely don’t anticipate. Bad Luck Case #1 In this example, the hefty legal and judgment costs would have been covered by Hired and Non-Owned Auto Liability Insurance, up to purchased policy limits.. Bad Luck Case #2 ACME had Worker’s Compensation Insurance that covered Julie’s expenses, but not Colleen’s. The state identified that ACME had misclassified Colleen, which led to hefty penalties and judgments for medical costs and damages.

Do you have any questions about homeowners insurance coverages? We’d be happy to help!

Hey, guys. It’s Daniella from the Allstate John Tunnell Agency. Today, I’m going to be answering one of the most popular homeowner insurance questions asked, which is does my insurance policy cover pit bulls? With me being a mommy of two sweet pits, I myself have wondered. The answer is yes, your policy’s liability coverage is intended to protect you financially by covering all the medical expenses in the event of a dog bite or other incidents. For more information, reach out to our agency and visit us again for our answers. Have a good day.

Did you know that there is a solution to rising healthcare costs that can save both employees and employers money?

Hi, I’m Zach [Nuccio 00:00:02] from [Tunnell 00:00:03] and Associates, Allstate Northbrook. Auto insurance rates these days are going up for everybody as you may know. This is for a couple of reasons. Insurance to begin with is a pool, which means everybody is in that pool together. As people pay into this pool, claims get paid out. The more amount of claims that are paid out, if it isn’t matching what’s being paid in by premium, then everybody’s insurance rates increase whether or not you’ve had an accident yourself or not. Furthermore, everybody you as see driving around is just driving distracted. Everyone’s text messaging or doing something on their cell phone. This has resulted in a higher frequency of claims. Due to the newer vehicles being much more technologically advanced, the trade to repair these vehicles is much more skilled, which means they get paid more. Materials cost more. You have a perfect storm of more distracted driving, which creates more claims. The claims are larger with payouts, results in unfortunately higher auto insurance for everybody.

Hi. I’m Felicia, customer experience manager at Tunnell and Associates in Northbrook. My question is, why should I buy life insurance when I’m in my twenties? There are several reasons why buying life insurance when you’re young makes sense. First, protect your pocket. Typically insurance will never cost less than it does today. Most policies use age as a factor in pricing. Every year, the cost of insurance will typically go up, not down. Second, protect your insurability. No one expects to wake up tomorrow and find out that they have high blood pressure, diabetes, cancer, or some other disease. Although you can still obtain life insurance with some of these conditions, with others, you can’t. And the cost, if you can obtain insurance, will be higher. A third reason to get life insurance when you’re young is to protect your loved ones. The proceeds from your life insurance can help pay off debt, whether it’s student loans, car loans, home loans, mortgage loans. In addition, think about your family having to pay your funeral expenses if you should, unfortunately, pass away prematurely. Would you want them to put the final expenses on their credit card and be reminded of this horrible event each month? Take the first step and talk to a financial representative today. 

Hi there. This is Kim from the Allstate Insurance Tunnel and Associates Agency. The question that I’m answering today is does my homeowner’s policy cover bat removal, and the answer is simply no, it does not.

Can you guess 5 main reasons we see families needlessly suffer financial devastation? Watch and find out!

Finding the best service providers in town can be frustrating. That no longer needs to be the case, because Tunnell Insurance Agency has a listing of other local businesses that have been highly recommended by our valued customers!

At Tunnell Insurance Agency, we believe you deserve top quality service… Period. That’s why we’re committed to giving you the best of us. We’ll always make sure you have the right coverage, the right discounts, and can take comfort in knowing the things that matter most to you are protected. We also believe in giving back! As Agents of Change in our community, we’re dedicated to helping others live well and thrive!

The final segment in our video series about what insurance a small business actually needs. Bad Luck Case #5 We review the need for Employment Practices Liability Insurance . Bad Luck Case #6 A Key Man Life Insurance Policy would have been very helpful, giving the business valuable time to recover from the loss.