Do you need insurance in Schererville, Indiana?
Get started with an online quote and we’ll be here to help.
Schererville Office
Fax: 219-864-9393
Email: info@midwestic.com
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Client Testimonials
“Our home insurance fell through 3 days before we were closing. I called and got a better policy within a few hours and was able to close on time. Will look to them for more insurance. Thank you Tracy!”
~ Jeff Blettner
“Follow up from Melissa until the plan went through was helpful. Info on differences between adult children under 25 qualifying under work insurance but not marketplace was new information that helped. The agent gave us feedback on what hospital networks and differences in coverage went with different marketplace providers. Very pleased.”
~ Jodi Flanagan
“We worked with Katie who helped us find a health insurance plan for our family. My husband is self-employed and she helped us to find a plan to fit all our health needs. Cannot say enough wonderful things about Katie. She was knowledgeable, easy to work with, and kept us in the loop with everything we needed to do. Wonderful experience.”
~ Michelle C
“Communication is key. Midwest has been great when it comes to communicating with us. Midwest Insurance came to us as a referral and I would definitely refer them to a friend. They are great!”
~ Josh Roeda
“Tim Dekker is so easy to work with we are always on the same page. Easy to get an appointment. I would definitely recommend his services.”
~ Rebecca Kasprzak
“We have used Midwest for our Insurance for many years and have always been taken care of. I think the staff is the main reason! Anyone can write an insurance policy, it is the communication with the agency to me that is key! Most recent have been Tommy Edwards/Kelsey and Katie DeSomer”
~ Kristin VanDerNoord
Frequently Asked Questions
Many large enterprises have the same requirements for independent contractors as they do for full scale businesses. Education can go a long way in helping them lower them to better match industry standards. Show them benchmarks and statistics, and if you need help, call Midwest Insurance Center!
We’re happy to be your resident insurance experts and sit in on any meetings where our knowledge can be of service to you and your contractors.
While certificate holders are allowed to access policy information, and (in most cases) are informed of any changes, only an Additional Insured endorsement makes it so that the insurance actually applies to you. This becomes important when your business is sued for a contractor’s mistakes.
When a contractor has a claim, their insurance carrier may decide to later try to recoup the loss from other responsible parties – that means you. A waiver of subrogation takes away this option.
An umbrella policy extends the limits of the coverages a contractor already has. If a contractor has $1M General Liability and $3M Umbrella Liability, they can only use the Umbrella policy on General Liability claims that surpass the initial $1M limit.
Many don’t realize that what Cyber really covers is data. If a contractor’s computer is hacked, it would cover the data lost in the cyber attack – but it would also cover them if a file with client information was stolen from their car. What it doesn’t cover, are things like damaged electronics or lost revenue from a bug in a freelance developer’s code.
This is not an easy answer. Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense. However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice.
An adjuster is a representative of the insurance company that helps settle a claim. They are not employed by us. We do not settle claims as this is done by the adjuster. However, we will assist in making sure a covered claim is paid fairly and promptly.
Scheduling involves placing specific items with a specific value on your homeowners insurance. It can also be called an “Inland Marine” policy. This allows coverage for items that may be leaving your premises and would then be lost or stolen. They can also be set at specific deductibles. The most common items to schedule are jewelry, bikes, cameras and fine arts.
Replacement cost is the amount it costs to rebuild a home or structure. This amount can also include demolition. This value can be significantly different than an appraisal. Reason being, the cost of materials to rebuild can outweigh a home or structure’s market value. When insuring a home or structure the insurance company needs to know the replacement cost. There are tools that our agents use to help approximate this value.
Yes, it is the State law for all owners of a vehicle to have auto insurance. It is your choice if you wish to insure for physical damage if there is not a lender involved.
Don’t see your question? Contact us.
