Coverages
Auto insurance
Auto Insurance
If you own a car, the law requires you to have a certain minimum of auto insurance. Auto insurance covers you and your vehicle when and if you are involved in an accident. At Brouwer Insurance Group, we offer auto insurance to those all around the state of Illinois
Why choose Brouwer Insurance Group for your Auto Insurance?
We are a reputable independent insurance agency with a great rapport and connections with many insurance companies. This enables us to have many different options for our clients. We understand the needs of the local people and strive to meet them. With modern tools of administration, we can process claims and policy in time and efficiently. Our processes are simple, and we believe in honesty and trust. Our agents have excellent customer care skills and take time to explain to clients how to understand the policies they purchase while offering advice in the process.
Why is auto insurance important?
Besides being a legal requirement, auto insurance covers expenses if a car is damaged, or if someone is injured in an accident. A basic auto insurance policy has the following coverage options:
Comprehensive coverage: It covers losses and damages that are not caused a collision. This may include weather, vandalism, theft, and more.
Collision Coverage: This policy pays for damages to your vehicle when you are at fault in an accident. Some lenders will require this if you are taking a loan to pay off your vehicle.
Bodily injury liability: If you are responsible for an accident and cause bodily injury to a third party, this coverage meets the expenses that might arise.
Property damage liability: It pays for property that you damage while using your car. The property can be another car, a fence, or a building among more.
Underinsured and uninsured motorist coverage: Underinsured motorist coverage protects you when you are involved in an accident, and the responsible driver doesn't have enough insurance while uninsured motorist insurance protects you if the driver is not insured. If included, it can protect you in a hit and run case.
Drive your car with confidence. Call us at Brouwer Insurance Group to get an auto insurance policy. Our agents are ready to work with you and make sure you get a policy that meets your insurance needs. Contact us for a quote
Recreational Insurance (Motorcycle )
Motorcycle Insurance
Illinois Motorcycle Insurance
Riding a motorcycle instead of driving a car offers an exciting experience on the road. However, motorcycle accidents are also more deadly and life-threatening compared to car accidents. That is why Brouwer Insurance Group brings you a reliable and client-friendly motorcycle insurance policy in Illinois. We focus on you so that you live and enjoy your life to the fullest. Our agents are ready and willing to answer your questions and walk you through the insurance process.
Our motorcycle insurance policy covers the following:
· Liability Coverage: Our liability coverage features bodily injury and property damage protection. We shall be there to help you if you ever cause an accident with your motorbike. We shall meet the cost of repairing your motorcycle and pay the medical expenses of the other person who was involved in the crash. You need to remember the fact that bodily injury and property damage liability coverage is mandatory in Illinois.
· Collision and Comprehensive Coverage: While our liability coverage is all about the other motorist's expenses, our collision and comprehensive coverage largely focus on you. We shall meet the cost of repairing your motorbike if you are involved in an accident. We shall also cover the cost of replacing your riding apparel and helmets that were damaged during the incident. Our comprehensive coverage will come into action after a non-collision incident such as a storm or fire damages your bike.
· Underinsured/ Uninsured Motorist Coverage: Although the small size of your bike will benefit you in various ways, it can also make it hard for other drivers to spot it. So, what happens if an underinsured or uninsured motorist rams into you at an intersection? As long as you have our motorcycle insurance, we shall help cover injury bills, property damages, and other costs that may arise. We shall always be there to help you in tough times.
At Brouwer Insurance Group, our policies are designed to help you in your times of financial need. Talk to us today about a motorcycle insurance policy and how you can get a quote. Our agents are ready to start your policy and walk you through the process.
Health Insurance
Good Decisions Today for a Healthy Tomorrow.
Like Life Insurance, Health Insurance is a valuable asset when it comes to safeguarding you and your family. Having proper health coverage will protect you from financial hardships that could arise if you or a family member are ever sick or injured and can’t work. For businesses, having the right health benefit package is often the key to keeping your employees happy and productive, while providing the assurance that they’re protected..
Individual or family Health plans
Group Health Plans
Dental/vision/hearing
Long term care
Fixed benefits
Medicare supplements
Home Insurance
Home Insurance
Do you own or Rent a home and want to protect it? Your answer lies in home insurance.
At Brouwer Insurance Group we offer home insurance to help our clients protect their homes. While the coverage options in home insurance can be unlimited, the following are the most common.
Dwelling coverage: This coverage covers your house and attached and unattached structures. It will pay the cost of repairing or reconstructing the entire home and surrounding structures when need be.
Personal property coverage: Replacing personal belongings can be very expensive. This coverage pays for the cost of replacing personal items in case they are vandalized, destroyed by a natural calamity, or stolen.
Liability coverage: A guest to your home can get injured or have their property damaged while at your home. This coverage will pay for any expenses that might arise.
Loss of use coverage: Risks specified in your policy can render your home uninhabitable. It meets any additional cost incurred for you and your family as your home is being repaired or rebuilt.
Your policy can also have additional coverage options that can include but are not limited to:
Credit Card and Depositors Forgery Coverage Endorsement: It protects your credit card in case you lose them, or if they are used by someone else without your permission. It will also protect you against losses if a draft or check is forged.
Secondary Residence Premises Endorsement: This coverage includes a secondary residence. For instance, if you own a summer house, it will be protected against risks specified in your policy.
Guaranteed Replacement Cost: This is a complete coverage for your home once you have met set rules and regulations.
Scheduled Personal Property Endorsement: This coverage protects your most prized possessions such as coins, comics, jewelry, stamps, guns, and computers.
Regardless of where you are in Illinois Brouwer Insurance Group can help you protect your home. You can get an online quote or call our offices to get home insurance tailored to meet your needs. Reach out to our offices to speak with an agent and get started.
Recreatioal Insurance (RV)
RV Insurance
Recreational vehicles (RVs) make a great choice for frequent travelers, long trips and the ability to pull over when you need to sleep with no hotel required. Like other vehicles though, RVs require insurance. The state of Illinois requires every vehicle to carry a minimum amount of insurance. If you own the following RV types, you may need a separate vehicular insurance policy:
a Class A, or large, motorhome
a Class B, or small, motorhome
a Class C, or mid-sized, motorhome
a converted bus RV
If you own the following types of RVs, which attach to your car or truck for towing, your auto insurance policy covers the RV:
an RV travel trailer attached by a trailer hitch to a vehicle for towing
a fifth wheel RV
a camper truck or van
Illinois State RV Insurance Minimums
The state of Illinois requires all vehicles driven on its roads to carry minimum insurance coverage of:
Property damage liability of $5,000 per accident which pays damages you incur on other's vehicles or property
Personal injury protection of $15,000 per person per accident which pays for your injuries in a vehicular accident
Severe injury protection of up to $250,000 which pays for permanent injuries such as brain damage
Brouwer Insurance Group offers you more than just basic coverage. It provides many options you can add to truly customize your RV insurance policy to fit your requirements, too. Our options include accessories, branch collision, collision, comprehensive, full-timer's, liability, medical payments, roadside assistance, and uninsured/underinsured motorist protection.
Call Brouwer Insurance Group, serving Illinois with the RV insurance it needs. Our agents are ready to help inform you further on the advantages of an RV insurance policy. Reach out to us to get a quote.
Life Insurance
Protect What Matters Most.
Your family is your responsibility and your life, and there’s nothing better than watching them succeed and sharing in their ambitions, dreams, and conquests. But should something unexpected happen to you, you’ll want to be prepared for providing the assurance your family needs to keep their futures safe and sound. At Brouwer Insurance Group, we’ll work with you to keep your family protected in the event of your untimely death
Individual Life (term and whole)
Child Life
Group life
Disability
Final expense
Commercial Insurance
Commercial Insurance
At Brouwer Insurance Group, we do everything we can to provide your Illinois business with as much insurance coverage as it needs and more. We write commercial insurance quotes depending on the type of business you operate. If you do not have the right commercial insurance, your business could lose a lot of money in case of unexpected events such as fires or business interruption. Our agents are knowledgeable, passionate, and always ready to address any of your concerns. We treat every business as a unique one and come up with quotes that meet individual needs.
Our Commercial Insurance Options (Bop)
Professional Liability Insurance
Our errors and omissions insurance coverage, also known as professional liability insurance, protects your business from any claim of negligence that may be raised by a third party in case they get hurt because of mistakes or poor performance from your business.
Business Property Insurance
All businesses own property. They may include business tools, inventory, furniture, or equipment. Our business property insurance coverage offers them protection against covered risks such as fires, vandalism, or theft. You may get compensation for the repair or replacement costs.
Workers' Compensation Insurance
In Illinois, all employers that are not protected by Federal Programs must offer self-insurance or workers compensation coverage. Workers' compensation coverage helps to pay for medical costs, disability, or death benefits in case an employee gets injured or dies at work or as a result of their job.
Business Auto Insurance
If your business uses vehicles for its operations, they need insurance. Insurance protects the business from liability in case of an accident. It helps to pay for the property loss or medical fees of third parties. It may also help to pay for the repair or replacement costs of the business vehicle. Our business auto insurance policies depend on the activities of a business and the amount of coverage it needs.
Reach out to our offices at Brouwer Insurance Group to discuss an Illinois commercial insurance policy. Our agents can answer your questions and help you get a quote.
Recreational Insurance (Boat and off road)
Boat/Watercraft Insurance
Nothing beats enjoying the cool breeze of the wind while on your boat. If you own a boat in Illinois, don't limit yourself from exploring the waterways. Visit us at Brouwer Insurance Group to get insurance for your boat.
Boat/watercraft insurance has the following basic coverage options:
Comprehensive coverage
Your boat can be vandalized, stolen, or damaged by an accident. This coverage will provide indemnification if needed. However, this coverage doesn't protect against damage caused by a collision.
Collision damage coverage
It pays for the cost of repairing or replacing your boat if it is damaged by a collision. Clean-up of wreckage can be added in this coverage.
Property damage liability
If you damage property belonging to someone else, this coverage pays for the damage. It may be a dock, other structures, or a boat.
Bodily injury liability
This coverage pays for bodily injury you might cause to a third party as you use your boat. It meets medical bills and compensation.
Emergency boat services
This coverage reimburses you if you call for towing services to help you when you have a mechanical problem while in water.
The number of coverage options can vary. Additional coverage can include legal liability, oil spills, medical payments, uninsured and underinsured, and much more.
Do I need insurance if I don't use my boat?
Many people who don't use their boats ask this question. The answer is yes. Even when not in use, your boat still faces risks of being stolen or damaged. Besides, you can be tempted and go for impulse ride. This makes it important to have a boat/watercraft insurance policy in place.