Allow us to introduce the insurance professionals in our corporate family. Founded in 1952, our insurance agency has grown from one office in Wood River back then to nine offices today. The professionals of Heritage Insurance are available to assist you with your risk management needs including farm owner, commercial, crop, homeowner, auto, life, health and disability coverages. It’s not practical to insure every risk in life. Our team can help you reflect upon your tolerance for risk, and then customize an insurance solution to meet your needs.
Why Heritage Insurance?
First, we’re an independent insurance agency with many different insurance companies at our disposal. That means we can shop around and help find you appropriate coverage at a competitive price. Second, you’ve grown to trust and respect your Heritage Bank Relationship Manager over the years. You can expect the same level of expertise and professionalism on the insurance side as well. Third, our ability to appreciate your financial picture, from both the insurance and banking perspectives, puts us in a better position to help you identify and mitigate risk. That means added convenience and peace of mind for you knowing you have no more and no less coverage than you truly need. And lastly, because we’re a locally owned and managed business too, we face the same challenges you do every day. Adding our day-to-day experience to your decision making team will be a value-added proposition.We would appreciate the opportunity to earn your insurance business. Please give us a call for a complimentary review of your coverages and let us see if we can identify some ways you might use your dollars more efficiently and effectively.
Insurance and investment products are not obligations or, guaranteed or insured by the bank, the FDIC or any other government agency. Investments are subject to risk, including possible loss of principal.
At Heritage Insurance we want to help you protect your most valuable physical assets. We are here to help you understand insurance perils, coverages, and options. A personal insurance agent at Heritage Insurance will help you purchase an appropriate level of insurance coverage at an affordable cost. We will quote your insurance with multiple top-rated insurance companies to ensure you get competitive pricing. You will have the peace of mind knowing we’re right here locally when you need us! Contact us today so you can spend your time doing something more enjoyable than searching endlessly through online insurance offers.
Farm and Crop Insurance
Every Ag producer knows that owning your own operation involves risks. Every day, your operation faces unexpected risks. But you can protect yourself, your operation, your family, and your employees with proper insurance coverage. We work with multiple top-rated insurance companies to cover your property, crops and livestock, and to provide liability and workers compensation protections. The Heritage Insurance team collectively has over 300 years experience in farm and crop insurance. Let’s sit down together and discuss how we can improve your coverage or lower your insurance costs to keep your operation successful.
Owning a business comes with many responsibilities…to your shareholders, your employees, and your customers to name a few. Making sure your business is protected with proper insurance coverage is an important step toward meeting those responsibilities. As business owners too, we understand that cost controls are important to your business’s success. That must be balanced with ensuring adequate protection for your assets and insulation from risk.
Isn’t it time for a risk management checkup with one of our commercial insurance professionals? Heritage Insurance has many highly rated insurance companies to offer you a variety of affordable insurance options that will give you lasting peace of mind. Give us a call today to put our knowledgeable commercial agents to work for your business.
Heritage Insurance specializes in both individual/family health policies as well as employer group plans. With the rising cost of health insurance we think outside the box to come up with creative ways to insure you and your family at a reasonable cost. We look at both partially self-funded and traditional insurance to find that perfect balance.
If you find yourself unable to work due to a sickness or injury, Short Term Disability insurance may provide cash benefits to put your mind at ease about financial stress. We know we can’t survive with out a pay check can you? Contact us today to learn more about an affordable short-term disability insurance plan.
Did you know that most people buy life insurance seven times over their lifetime? That’s because your needs change as you move through life. It’s important that you work with a life insurance professional to periodically review what you have for life insurance in relation to the rest of your financial picture. Early on in adulthood, you’re probably trying to create an estate to provide for a spouse and young children. By middle age you may be looking to also cover debt obligations. In your later years you may be looking to preserve wealth by using life insurance as an estate planning tool. No matter the life stage you’re at, a Heritage Insurance life insurance agent stands ready to lend a hand.
When is the ideal time to purchase long-term care (LTC) insurance? What will it actually do for you? Those are both excellent questions, and are all the more reason to work with a long-term care insurance agent at Heritage. Generally speaking, the earlier you purchase coverage, the less it will cost you. The ideal time is late 40’s to early 60’s. Many people make the mistake of waiting until a need for long-term care services arise; by then, it’s too late to obtain coverage. Call us and we’ll help you understand your options, what a LTC policy covers, and how those coverages have evolved to keep you in your own home longer.