Legacy Insurance Agency of Illinois

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Business is and should be about making money! As a business owner you have to mitigate risk and be protected for that unforseen occurence. We understand what it takes to add to your bottom line with appropriate coverage coupled with great services like workplace safety assessments.
Insurance is individual. Very few of us are created the same, have the same circumstance, and are at the same stage in life. That's why you need an agent that not only has the best insurance products by the best companies but also takes the time to understand what you need and can afford.
Personal service is a dying art! We are glad to help you in any way we can. Don't hesitate to call us with any question you may have.
If you need to file a claim, make a payment, notify us of a change of address, or anything else our Client Support page can help you!

LEGACY INSURANCE

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Protecting Your Legacy by providing the best insurance products available at the best possible price.

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Life is about building your Legacy. Protecting it so that your family has the bright future you desire for them is where we come in. We might be a little corny! We might not look like your typical agent! But we're good at what we do! We'll keep the sun shining on your future.

PROUDLY SERVING CLIENTS with over 100 years of experience!

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Employee Benefits - Healthcare

CAN YOUR ORGANIZATION CONTINUE TO ABSORB INCREASING HEALTHCARE COST?At this juncture, the only thing we know for certain about healthcare reform is that the ultimate outcome is uncertain. What we do know is:Each year more of your balance sheet is devoted to providing employee benefitsAlthough health plan cost trends for 2012 are projected to be lower than in recent years, plan sponsors must remain vigilant in their approach to containing health care costs.Costs are rising along with an aging population and deterioring health of employeesDO YOU KNOW WHAT OPTIONS EXISTAt Legacy we can help you think outside of the box to provide attractive benefit packages that incorporate company specific wellness initiatives that focus on the specific needs of your employees to control future healthcare trend. This includes offering creative deductible sharing options for your employees, consideration of offereing a partially self-funded program that is designed specifically to meet the unique needs of your organization needs from a financial and claims managementstrategy, and working with vendors who are investing in the evolution of how care is measured and provided.Let us use our knowledge and experience to review your benefit packages:Group HealthGroup Term LifeGroup DisabilityGroup Dental / VisionExecutive Benefits
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driving up profits for you!

My Business

increase your bottom line by 10%
That doesn't sound that easy, but it can be. At Legacy we do more than quote the lowest price on the insurance you require. Our seasoned commercial agents are business specialists that can help you not only by providing great coverage but by reviewing all of your business risks and providing the tools to minimize or mitagate those risks. Common sense approach; use our workplace safety experts and reduce your workmen's compensation costs by 40%. That can return huge dollars to your bottom line.
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Legacy is built upon the promise of protecting our client's legacy. To do so, we realize that an organization is at its most vulnerable during those times when a loss occurs. We have made it our business to ensure that our clients achieve the correct balance between maximum potential risk and the transference of this risk to the appropriate insurance carrier in a fiscally responsible manner. We work hand in hand with the client to Identify all risk factors/Develop customized risk management strategies/Implement tailored programs at client’s the facility or facilities/Monitor and adjust risk factors as the client’s company dynamics change.

Business Continuation

You have the standard policies in place to cover your physical property and business but do you have the financial resources in place for a long term perpetuation arrangement for your family and business? Legacy will work with you to provide a comprehensive plan that will provide financial security both now and in the future to help you meet your long term goals. We work conjunctively with experts in financial planning services to provide wealth protection services including:Professional Liability Insurance Directors and Officers Coverage Errors and Omissions Insurance Variable, Whole and Universal Life Coverage Tax deferred Annuities for Retirement Planning Joint Survivorship for Estate Planning Key Person and Buy Sell Agreements to protect your business

Client Support

Client Support

To file or inquire about a claim, please click on the carrier you wish to contact. You will be directly connected to the company's website to expedite the process. As always if we can be of any service to you, please don't hesitate to contact us by phone, email, or just send us a note.

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Why Legacy

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...our people make us different

#1 Columbia Insurance Agency in Illinois in 2010

#1 Consumers Insurance Agency in Illinois in 2010

Max Martin
Stephanie Mischler
Carrie Howard
Troy Sandlin
Terry Vaughn
Mark Friedrich
Lisa Friedrich

WINNER!

Wealth

Manager

of the Year

Why Legacy

All insurance agencies are not created equal. You wouldn't go to a grocery store if it only offered one brand or product, so why go to an insurance company that sells only one type or one brand of insurance? That sort of agency works for the company and not for you. Legacy Insurance is an independent agency dedicated to helping you find the absolute best coverage at rates well within your budget. We specialize in a wide range of policies, including home, commercial, and auto insurance. Plus we are really nice to work with. Achieve Peace of Mind for Less Money with Legacy InsuranceNo matter how careful you are, accidents happen. Ensure that you're always prepared for the worst with all-inclusive insurance coverage from Legacy Insurance. Our friendly agents are dedicated to helping you choose insurance plans that are right for you. From low-cost homeowners insurance policies to complete commercial insurance packages, our insurance company provides you with the most thorough coverage at rates that you can afford. Personalized ServiceAs your personal insurance company, Legacy Insurance works closely with you to help you find the absolute best coverage. Unlike other insurance agencies, our agents actually take the time to learn about you and your needs. We then search through an enormous network of some of the nation's leading providers in order to find policies that not only meet your needs, but that are also within your budget. A Different Kind of Insurance CompanyBacked by years of industry experience, our agents know how to save you money on the coverage that you need. We care about our clients, which is why we are dedicated to helping you find policies that meet your needs without straining your budget. At Legacy Insurance, we always put you, the customer, first.

News and Info

News and Information ...lots of really cool information you may need!

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Umbrellas

Umbrella??? Who Really Needs Them

Most People - That's Who!Personal umbrella insurance is additional liability insurance, designed to pay out on top of your existing auto and homeowner’s/renter’s insurance policies. For example, you may only have $300,000 in liability coverage on your car insurance. If you are hit with a claim of $1,000,000, you would be on the hook for $700,000 yourself unless you had an adequate umbrella insurance policy.Here are a few example scenarios:You are an car accident with multiple people with serious injuries, and the medical bills are astronomical.You are in a car accident on the freeway involving a semi-truck carrying $750,000 of cargo.An acquaintance gets injured at your house.You are a chaperone on a field trip and one of the kids hurts themselves.You host a party, someone else brings alcohol, and someone underage gets hurt or DUIs.Your son or daughter borrows a friend’s car, and wrecks the car or injures someone.Obiviously those are not the only scenarios where a personal umbrella policy may help you to protect your legacy, but if any of those sound familiar to you...don't hesitate to call us for a quote!
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Understanding Homeowner's Insurance

For most of us, our biggest investment is in our home and family. Just as your home is unique, your coverage should be tailored to meet your unique needs so that your future and family are secure. Homeowner’s policies package together property and casualty coverage to provide this security.

Under the standard Homeowners policies there are six basic types of coverage:

A – Dwelling – Limits of liability are typically based upon replacement cost to repair or replace your home

B – Other Structures - Coverage limits are typically based upon 10% of coverage A or a specified amount to either repair or replace any outbuildings

C – Personal Property – Coverage limits are typically set at 50% of Coverage A to replace loss of personal property

D – Loss of Use - This coverage provides you with funds that will cover additional living expenses while your home is being repaired or re-built. Coverage limits are typically limited to 30% of coverage A

E – Personal Liability – Covers your legal liability from third party bodily injury or property damage.

F – Medical Payments - Protects anyone other than that insured or a member of the insured’s household. There is usually a per person and aggregate limit.

Because coverage levels do vary, it is Legacy’s role to find the right balance to ensure that you are not over insured or under insured. We can provide coverage for single dwelling, multiple dwelling, and condominium units as well as specialized Masterpiece protection for fine homes and collectibles.

Let us review with you your needs to determine if you have the right protection in place to protect your Legacy.

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Self Funding IS for Small Businesses

FAQ

Frequently Asked Questions

AUTO How much Auto insurance must I carry? Illinois law requires that motorists carry a minimum amount of liability insurance of $20,000 for bodily injury to one person, $40,000 for bodily injury to all persons, and $15,000 for property damage in any one accident. Many motorists carry higher liability limits and additional personal injury protection beyond these minimum benefits required by law. The law also requires all auto insurance policies to provide uninsured motorists coverage (for bodily injury), subject to the same minimums. In addition, SUM (Supplementary Uninsured/Underinsured Motorists) coverage can also be purchased, in amounts up to the bodily injury liability limits of an insured's own policy. Is my insurance company allowed to automatically include my son/daughter on my policy? An insurer is permitted to consider all resident operators of an insured vehicle in the rating of an automobile policy, including a child, although he/she may only have a learner's permit. This is because insurers are permitted to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to that child's operation of the vehicle. Such a "limited use" classification, however, reflects the reduced likelihood of an incident due to "occasional" operation by a youthful driver, and is rated lower than if that person were the "principal operator". In addition, children living away at school (over 100 miles) are generally eligible for a reduced rate. Am I protected by my insurance when I drive a rental car? Your motor vehicle liability insurance policy covers you for bodily injury and property damage liability, as well as no-fault, when you drive a rental vehicle. However, this coverage is provided on an "excess" basis, which means that your policy will cover you if the amount of damage or loss exceeds the insurance coverage provided by the rental vehicle company. Please contact your agent before renting a car for additional advice. If I loan my car to a friend and they are in an accident, who is responsible? Your automobile policy protection is extended to anyone you grant permission to drive your car. You do not need to explicitly grant permission. There only needs to be a reasonable belief that they have permission. LIFE What happens if I forget to pay my premium by its due date? Your life insurance policy will provide for a 31 day or one month grace period within which you can still make your premium payment. Your policy will continue in force during that time. Universal Life type policies will generally have a grace period of 60 or 61 days. In order to purchase life insurance I am told I must have an "insurable interest" in the person to be insured. What is "insurable interest"? The Insurance law defines "insurable interest" as, in the case of persons closely related by blood or by law, a substantial interest engendered by love and affection. In the case of other persons, a lawful and substantial economic interest in the continued life, health or bodily safety of the person insured, as distinguished from an interest which would arise only by, or would be enhanced in value by, the death, disablement or injury of the insured. If I forget to pay my premium and the policy lapses is there anything I can do? A life insurance policy must provide for reinstatement of the policy within three years from date of default, unless the cash surrender value has been exhausted or the period of extended insurance has expired, if you complete an application and show that you are in good health to the satisfaction of the insurer. In addition, you will be required to pay all the overdue premiums with interest (not to exceed 6%) and pay or reinstate your outstanding loans at the applicable policy loan interest rate. Home Owners: Does My Homeowners Policy Cover My In-Home Business?Homeowners policies were never intended to cover business exposures. Consequently, coverage for the items you use in your business such as computers, fax machines, filing cabinets, tools and inventory are usually limited to $2,500 in your home and $250 away from home under most policies. And your homeowners coverage provides no liability insurance for your home–based businessI'll soon be renting my own apartment. Is there insurance for that?Yes. Renters insurance is a property/casualty policy to protect your property and to protect you against liability. For example, if someone slips and falls in your apartment, you may be held liable for the injury. Renters insurance would cover that accident. All your possessions up to the monetary limits listed in your policy also would be covered for specified damages (both at home and when you travel). What about floods, earthquakes and other catastrophes? Are they covered by my homeowners insurance?Most catastrophes are covered; for example, wind damage from hurricanes and tornadoes come under the windstorm peril. Flood and earthquake damage, however, are not covered by a standard policy. Be careful not to be lulled into a false sense of geographic security. Flood and earthquake activity is more widespread than many people realize. For example, almost 90 percent of the U.S. population lives in seismically active areas. Since 1900, earthquakes have caused damage in all 50 states. And if your home is located in a flood–prone area, you are 26 times more likely to suffer a flood loss than a loss from fire.What about our vacation home in the next state? Insurance companies typically operate in more than one state so that a company that carries your primary residence may be able to issue a policy for your vacation home. Personal liability is covered in the first homeowner's policy so the second policy need cover only property. This type of policy is called a "dwelling fire" policy. This type of policy is commonly used to cover a seasonal residence or "camp".BusinessI don't have any major business assets. Why do I need insurance?Every business has some property. And, when you think about it, your business is your property. Just like your home and your car, your business needs to be protected from loss, damage and liability. In addition, your business is your source of income, so you need protection from the potential loss of that income.Generally, there are two types of insurance-property and liability. Property insurance covers damage to or loss of the policyholder's property. And if somebody sued for damages caused by you or your possessions (other than a vehicle covered by your auto insurance policy), the cost of the suit-both defending it and settling it, if necessary-would be covered by your liability insurance.Is insurance coverage different for different businesses?It can be. Many small businesses are now insured under package policies that cover the major property and liability exposures as well as loss of income. A common package policy used by many small businesses is called the Businessowners Policy (BOP).Generally, these package policies provide the small business owner more complete coverage at a lower price than separate policies for each type of insurance needed. Your Legacy agent can help you decide which policy or policies are right for your business. Everybody seems to be suing everybody else these days. What if someone sues my business? No business can afford to be unprepared for a lawsuit. Liability insurance protects your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else. Liability coverage extends not only to paying damages but also to the attorneys' fees and other costs involved in defending against the lawsuit-whether valid or not. The standard businessowners policy provides liability coverage, as does a separate policy known as a commercial general liability (CGL) insurance policy. Generally, commercial liability insurance, whether purchased in a separate policy or as part of a standard businessowners policy, will cover bodily injury, property damage, personal injury or advertising injury. The medical expenses of a person or persons (other than employees) injured at the business or as a direct result of the operations of the business are also covered (up to a certain limit).Why do I need certificates of insurance from sub-contractors?An audit may require you to show proof that sub-contractors had their own insurance coverage. The sub-contractors' certificates of insurance will prevent you from being charged for their exposure.
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89 Eastgate Drive

Washington, IL 61571

If you would you like more information and would like one of our friendly agents to get back to you please fill out the form below and we will get back to you promptly.

WINNER!

Wealth

Manager

of the Year

Contact An Agent Directly

Max Martin

Carrie Howard

Stephanie Mischler

Troy Sandlin

Mark Friedrich

Terry Vaughn

Lisa Friedrich

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Team Legacy

Max Martin , Legacy Partner, CIC Since 1991

Max, as the founding Partner of Legacy, brings to his clients over 25 years of industry experience specializing in property casualty consulting and brokerage services. Max established Legacy in 2008 to ensure that his clients were provided with excellent service and access to the most cost effective and financially stable insurance carriers. This commitment continues today and encompasses all Legacy clients.

Mark Friedrich , LUTCF, CWCA, CBC

Specializing in the insurance industry for over twenty years, Mark provides property-casualty consulting and brokerage services with an emphasis on reducing insurance costs by developing written action plans that identify goals, coordinating strategies to prevent injuries, improving safety and claims management systems, and managing risk as his clients’ dynamics change.

Carrie Howard

Carrie has been in the insurance industry since 1993, and with Legacy Insurance since its inception in 2008. Carrie is the Office Manager at Legacy and the Commercial Lines CSR. Carrie’s other responsibilities include handling claims, certificates and commercial lines service. Carrie has had numerous continuing education requirements completed by taking CISR classes, as well as claims courses.

Stephanie Mischler

Stephanie joined Legacy Insurance in March 2009 with her focus in Personal Lines customer service. Stephanie can help you with any personal lines needs, including quotes for new home and auto policies. Stephanie received her B.A. in Communications from Bradley University and her background and prior experience is in marketing and media. She is involved in local running clubs in the Peoria area and lives in Washington with her husband, Joe and two dogs.

Lisa Friedrich

With a B.S. in Business from Western Illinois University, Lisa has over 20 years of experience in benefits administration. She specializes in evaluating the healthcare plans and needs of Legacy’s clients from individual plans to small group fully insured to large group self funded, ensuring that all clients are kept apprised of the ever changing changes occurring in the healthcare industry.

Troy Sandlin

Troy has been a part-time sales associate for Legacy Insurance since 2008. Troy specializes in car lots, tow trucks, and garage operations. He is part owner of S & S License & Title in Peoria. In his spare time, Troy enjoys camping, fishing, and bowling.

Terry Vaughn

Terry joined Legacy Insurance’s sales staff in 2009 and has been involved in the insurance industry since 2001. Terry prides himself in outstanding customer service and helping people find the best coverage with the best company, and keeping price in mind. Terry earned his B.A. in Economics from Bradley University.

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