Commercial Insurance
Offering General Liability, Property and Workmen's Compensation Insurance Click here to read more
Small Business Insurance
Offering General Liability, Property and Workmen's Compensation Insurance Click here to read more
Personal Insurance
Insure your car, home, condo, boat and more
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Life, Health & Disability Insurance
Life, health and disability insurance plans...
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Insurance Products
Offering the nation's leading insurance products for complete customized coverage for Illinois drivers, homeowners and business
Since 1887, customers have depended on R. W. Troxell's insurance products to fit both their budgets and their needs
Over the past 120 years, R.W. Troxell has developed relationships with the nation's leading insurance companies to provide insurance products for every aspect of our client needs. Our personal insurance packages focus on lifestyle, including health, home and recreation, and our commercial lines cater to any line of work, covering farmers, restaurateurs, contractors and school districts, with the best line of coverage for your line of work.
Some products and services may not be available in your area.
Personal Insurance Products (Auto and Home Insurance)
- Homeowner Insurance
One little policy does a lot. A homeowner policy reimburses you for damage to your home from a variety of causes. If your home is totally destroyed or you cannot use it for a period of time, your homeowner policy will also cover that. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.
- Personal Auto InsuranceYou need to protect yourself should your vehicle be damaged or stolen. Just as important, you need insurance for liability - property damage or injury to others caused by you and other household members as a result of operating a motor vehicle. Other policy features include medical payment reimbursement and reimbursement for injury caused to you by an uninsured or inadequately insured driver. There are many special situations where you may need to customize your policy; examples include installation of custom audio equipment, business use of your auto and teenage and guest drivers, to name a few.
- Boat InsuranceOne policy includes protection against loss to your boat, motors, trailers and equipment and liability for property damage or physical injury to others caused by you or other boat operators.
- Condo Insurance
One little policy does a lot. A condominium insurance policy reimburses you for damage to your condo, from the walls in, and from a variety of causes. If your condo is totally destroyed or you cannot use it for a period of time, your condo owners policy will also cover that. The insurance extends to your condo's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership and additions and alterations to your residence.
- Flood InsuranceEven if your home or business is located away from water or is covered by a homeowner or business insurance policy, you may still need Flood Insurance. Groundwater flooding can cause damage to buildings on higher ground many miles from a body of water and over 20 percent of flood insurance claims originate from areas that are not considered to be high flood-risk. Homeowner and business insurance policies generally exclude flood and related losses because of the catastrophic nature of floods. Affordable flood insurance protection is available and is often an important component of a sound insurance program.
- Home BusinessMore and more people are working from home or starting home-based businesses. A standard homeowner policy affords limited protection for property and liability risks arising from home business pursuits. We have a range of options and can pick the one that's right for your business no matter how small, new or established.
- Identity TheftAbduction of your personal information can result in financial loss ranging from a thief draining your bank accounts to new debt from fraudulently opened credit accounts. Protect yourself before you become a victim by taking necessary precautions and insuring potential loss.
- Motorcycle Insurance
Motorcycles have a higher rate of fatal accidents than automobiles. United States Department of Transportation data for 2005 from the Fatality Analysis Reporting System show that for passenger cars, 18.62 fatal crashes occur per 100,000 registered vehicles. For motorcycles this figure is higher at 75.19 per 100,000 registered vehicles, four times higher than for cars. Source.
Motorcycle insurance covers most types of motorcycles including, cruisers, street sport, touring, high-performance bikes and scooters.
- Personal UmbrellaSometimes the coverage limits in our automobile and homeowner policies are not enough. Litigation today results in more and more jury awards for hundreds of thousands or millions of dollars. An umbrella provides extra protection of $1 million or more.
- Recreational Vehicle InsuranceYour RV may be a motor home, travel trailer, fifth wheel or a camper. It's not a house and it's not a car and it needs special insurance protection so you can travel safely. We have products specially designed for the RV lifestyle.
- Renters Insurance
One little policy does a lot. A renters policy covers all most all of your personal property in your apartment, and in some cases, out of your rental unit. The insurance extends to your home's contents and liability for damage to property of others or injury caused to someone by you or a family member. Your policy can be personalized to include greater levels of protection for important property, home office situations, liability for boat ownership.
- Scheduled Personal PropertyMany of us have possessions that are not adequately protected by a standard homeowner policy. Examples include jewelry, antiques, oriental carpets, art work, sports equipment, collectibles and firearms. Scheduling important possessions gives you adequate levels of protection, coverage against broader causes of loss and no deductible.
- Wedding InsuranceWedding costs today quickly climb into the tens of thousands of dollars. Unforeseen events resulting in the postponement or cancellation of a wedding, and last minute replacement of service providers can leave you with $10,000 or $20,000 in expenses and no wedding memories to show for it. Wedding Insurance gives you the peace of mind of knowing that, if wedding plans go awry, your wedding investment can stay protected.
Commercial Insurance (Business Insurance)
- Alternative MarketWhen traditional business insurance can't provide the solution for your risk management needs we have a number of alternative markets and options we can employ. We can different ways to retain risk intelligently through the use of higher retention, retention groups or captive insurance programs. Or we can use bonds and securities as an alternative means of transferring risk.
- BondsBonds come in several different varieties to fit different needs and situations. In general, bonds are meant to guarantee that one individual or entity will perform according to the specifications of a contract, ordinance or other requirement. Common types are Surety Bonds, Contract Bonds, Judicial and Probate Bonds and License and Permit Bonds.
- Builders Risk InsuranceBuilders Risk Insurance is often used with a different term that describes what the insurance does - Course of Construction Insurance. Builders Risk Insurance covers a building, and typically all materials during construction. Protection can be extended for the work of individual contractors, architects and engineers. Optional coverage can often be added for costs not directly related to construction such as marketing, loss of income and delayed completion.
- Business Auto InsuranceMaybe your business owns vehicles or maybe you rent or lease them. Maybe you or your employees use personal vehicles to conduct business. If so, you need Business Auto Insurance. A Business Auto Insurance Policy protects your business against injury to others and damage to property as a result of business use of vehicles.
- Business Owners PolicyThink of it as homeowner insurance for your business. This type of policy is appropriate for many small and medium sized businesses. It conveniently includes many types of coverage like liability, building, business property and loss of income.
- Commercial General LiabilityYour business faces exposure to loss from legal liability from a number of sources. The CGL provides broad protection from risks arising from your premises and operations, independent contractors and product liability, to name a few.
- Commercial Package Policy
A Commercial Package is a type of business package policy that bundles coverage together for several things including liability, property, boiler and machinery, crime and other optional coverage. The options available create flexibility that allow a Package to be customized for most kinds of businesses in the Springfield, Rochester, and Chatham area.
Additional Business Insurance
The Commercial Package or CPP is very comprehensive, but there are times when additional policies may be needed to protect your business assets. We can take care of that as well because, as an indpendent insurance agent, we represent over 30 top rated insurance companies. Some common polices that accompany Commercial Package Insurance include:
- Professional Liability
- Business Auto
- Workers Compensation
- Employment Practices Liability (EPLI)
- Bonds
- Commercial Umbrella
Contact us today for a comprehensive consultation and insurance proposal for your business.
- Commercial Property InsuranceThis type of policy provides protection from loss, due to a variety of perils, to all kinds of business property including: building structures, furniture, inventory, equipment, and supplies, money and securities and business records. If you have a larger or more complex business you may need the flexibility of insuring your business property through a Commercial Property Policy.
- Commercial Umbrella Insurance Commercial Umbrella Insurance is sometimes used interchangeably with Excess Liability Insurance. The two are really different; an umbrella insurance policy will 'reach down' to provide coverage in gaps between other business insurance policies while a true excess insurance policy is intended to provide extra limits of insurance on top of coverage provided by other business insurance policies that are in place.
- Crime InsuranceBusinesses are exposed to many types of loss not always covered in other types of business insurance policies. Crime Insurance indemnifies your business from embezzlement or theft by employees, forgery, hacking (electronic theft), theft of cash or securities by someone other than an employee or damage to your building or property caused by a burglary.
- Cyber Liability Insurance Cyber Liability Insurance covers a range of loss exposures including damages due to loss or theft of client data, introducing a virus into another businesses' network, and email transmitted libel. Your business may not be a 'technology business', but if you use technology to run your business - like email, networks, and the web, you have Cyber Liability exposures. Risk posed by cyber exposures changes quickly, and traditional insurance policies often are designed to protect your business from this new threat to your financial welfare. Talk to us about ways we can identify and cover your business' cyber risks.
- Directors and Officers Liability InsuranceD & O Insurance, as it is commonly called, is essential to attracting, retaining top business management talent. Lawsuits against a business and its management for negligent or wrongful acts can be brought by any number of constituents like shareholders, customers or regulatory bodies. D & O Insurance will fill in gaps in primary business liability insurance and will protect the personal assets of the directors and officers.
- Employment Practices Liability Insurance (EPLI)This kind of insurance provides insurance against liability for, as the name implies, employment practices. Protection, which will vary from policy to policy, covers a broad range of claims or lawsuits that might be brought by current or former employees or employment candidates. Just a few examples include sexual harassment, wrongful termination or discipline, wrongful failure to promote or hire, emotional distress, discrimination and invasion of privacy. Recent growth in employment practice litigation makes review of employment practices and insurance protection a necessity for most businesses today.
- Inland Marine InsuranceInsurance for a variety of property in land transit as well as instrumentalities of transportation such as bridges or tunnels would seem to fit the name, Inland Marine Insurance, and this kind of property is in fact insured by this class of insurance. But the policies in this category also provide coverage for property under construction, construction equipment, scheduled property like jewelry, furs, tools and more that move about or fluctuate in value as well as instrumentalities of communication like broadcast towers.
- Professional Liability InsuranceAny professional in any field is expected to possess skills and knowledge resulting from specialized training and experience. When a client or customer believes you have not conducted yourself according the standards of your profession or that you have been negligent in some way you can be sued. Standard business liability policies do not cover these situations. To supplement general liability protection you may need a specialty coverage known as Professional Liability Insurance or sometimes Errors and Omissions Insurance.
- Workers' Compensation InsuranceThis type of insurance pays for medical and rehabilitation expenses for workers injured on the job. Lost wages are also covered. Each state governs the compensation details, including the amounts paid. This is often a mandatory type of insurance.
Individual Health & Financial Products
- Disability Insurance (Individual)A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.
- Health Insurance (Individual)There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.
- Health Savings Account (HSA)HSAs are savings instruments that you can use in conjunction with high deductible health insurance policies. HSAs are tax advantaged tools that allow you to invest money for the purpose of paying future medical expenses. Funds in HSAs accrue over time and let you control what medical expenses you will use the funds for and when. HSAs are completely portable and can help you cover high deductibles or expenses that your insurance policy won't cover.
- Life and Disability Insurance (Individual)Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement. - Life Insurance (Individual)Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
- Life, Health and Disability (Individual)Life insurance is an essential part of any financial program. A variety of policies and limits can be used to pay off a mortgage, cover future education expenses, fund a business buy-sell agreement and more. The type of policy and limits you need will depend on your financial goals.
Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.
There are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget. - Long Term Care InsuranceAmerica's population is aging and many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative.
- Medical InsuranceMedical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.
- Medical, Disability and Long Term CareThere are more health plans than ever before and increasingly plans are finding ways to balance important financial protection from medical care costs with premium. Budgeting. Let us know what your unique needs are and we will find a program to fit your protection requirements and budget.
Just as essential is disability insurance. A study performed by the American Council of Life Insurers showed that a 35 year old is six times more likely to be disabled than die before they are 65. Disability policies can be tailored to supplement employer benefits, provide benefits to the self-insured, or to fund a business disability buy-sell agreement.
America's population is aging means many of us may find our assets at risk as we struggle to pay the costs of daily living assistance during periods of serious illness or disability. These costs are not covered by traditional health policies or Medicare. For some, Long Term Care Insurance may be the best alternative. - Short Term Medical InsuranceShort Term Medical Insurance removes the risk of potentially catastrophic financial loss due to unexpected illness or injury. Apply online and get protection as soon as the next day.
Group Benefits
- Employee BenefitsComprehensive employee benefit plans for the business community including health insurance, disability insurance, long term care insurance, 401-K, dental insurance, life insurance, fixed annuities, mutual funds, retirement plans, sec. 125.
- Group BenefitsLife, health, disability, retirement plans...we have all the options you need to make sure your company's overall compensation plan helps attract and retain the employees you need to give your business a competitive edge.
- Group Health InsuranceHealth insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation program. In fact, many people who would otherwise be qualified to run their own businesses may work for yours because of access to your benefits program. Let us help you find the best program for you.
- Group Life InsuranceLife insurance is an important benefit for your employees. Having the right plan can give your business a competitive advantage as part of your overall compensation
Some products and services may not be available in your area.
Main Office
214 South Grand Avenue WestSpringfield, IL 62704
Summer & Associates, LLC (Division of R. W. Troxell)
121 North MainWashington, IL 61571
St. Louis Office
1524 Suzanne Ridge CourtWildwood, MO
R. W. Troxell and Company
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