Independent Insurance Agents & Consultants
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Business Insurance
Every business and industry is unique.  You could own a main street store, a software-consulting firm, a machine shop, or be a contractor. Whether your business is large or small, we have the products to meet your needs.

Our niche markets include contractors, main street business, the IT industry, light to medium manufacturing, quality apartment and condo buildings, restaurants and special events.

As business owners ourselves, we understand the importance of a professional approach to evaluate exposures including an active assessment of your business operations. After assessing your insurance needs, we will consult with you and determine how we can protect your business with a comprehensive insurance program.

Many of the insurance companies we represent have loss control programs, safety meeting materials and, of course, fast and fair claim service.

Some of the programs available are:
  • Businessowners
  • Bonds
  • Property
  • Cargo
  • Liability
  • Commercial Inland Marine
  • Business Auto
  • Crime
  • Directors & Officers Liability
  • International Liability
  • Employment Practices Liability
  • Employee Benefits Liability
  • Errors & Omissions
  • Professional (non-medical) Liability
  • Special Events/Festivals Insurance
  • Cyber/Security Liability

  • Employee and Business Related Benefits
    We assist clients in exploring options and obtaining coverage for such benefits as:
  • Group Health Insurance
  • Key Person Insurance
  • Group Life Insurance
  • Long-Term Care Programs
  • Group Disability Income
  • Executive Life & Disability
  • Group Voluntary Benefits
  • Travel Accident Insurance
  • Group Dental/Vision
  • Annuities

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    Personal Auto Insurance
    Even though all auto insurance policies may appear to be the same, not all are created the same.

    Whether your autos are used for family transportation, driving to work or you have a fun sports car used only for sunny weekend drives, we offer several policies to protect you in the event of a loss.

    Benefits and options vary from company to company but could include:
    • auto/home discount
    • claims free discount
    • replacement cost coverage on a new auto
    • good student and driver training discounts
    • loan/lease coverage
    • payment options
    • 24 hour claim service (offered by most companies)


    Home, Apartment, Condominium, and Secondary Home
    Whether you are a homeowner or a tenant or condo unit owner, your home and your personal belongings are among your largest assets.

    After a review of your needs and exposures, our goal is to provide you with a quality product tailored to your personal needs.

    Discounts may be available for having smoke detectors, alarm systems, or having a history of being claims free for home/auto combination policies.

    When we give you a quote, we will review optional coverages that are available and may be important to you. Some of these optional coverages are replacement cost of contents and home, higher liability limits, identity theft protection, water backup coverage, and special riders for jewelry/fine arts/collectibles.


    Motorcycles, Recreational Vehicles and Watercraft
    Some people would call these “toys” but we consider them to be an extension of one's search to escape the everyday grind. No matter what you call them, it is important to have adequate property and liability coverage to protect your personal assets.


    Life Insurance
    Life Insurance provides financial protection for you, your family and perhaps your business. It can be used to cover short-term needs, shortfall of assets, your mortgage, help with retirement or college education, create or fund a trust, preserve your business or help a business to retain key people.

    We can assist you to determine the proper amount, structure and type of insurance for your individual needs.  We have many term, permanent and universal products available. Some carriers offer optional riders for long-term care, terminal illness, accidental death and waiver of premium, to name a few.

    John Pearson and Mary Ann Burton are licensed and contracted with numerous companies to assist you to structure the proper plan for you.


    Medical Insurance
    Are you between jobs or are you a recent graduate? Are you looking for a Medicare Supplement? With the Affordable Care Act and Marketplace under healthcare .gov are you seeking one of the new plans?

    We have plans for that provide short term coverage for up to a year. John and Mary Ann are licensed with many companies that provide Medicare Supplemental plans. We can discuss Medicare Advantaged plans and the Part D prescription drug plans. John is CMS marketplace certified to help you decide which plan might be best for you and to guide you through the process of navigating the marketplace website along with the Illinois website. Health Savings accounts (HSA) and HSA qualified health plans are available.

    Disability Income
    You may have insurance to protect your home in case of fire and other losses. You may own life insurance to replace income and provide for final expenses, but what happens if you become disabled and your paycheck stops? Not only do the monthly expenses keep coming in, but additional expenses could also be incurred.  Disability coverage can provide peace of mind and income for those monthly expenses, without your having to deplete your assets.

    Perhaps you have a group disability income plan at work. Take the time to review it as to how long it will provide a benefit, the definition of "disability" and what other factors could reduce the benefit payable. Most individual plans allow the purchase of a benefit up to 50% of earned income. Benefits paid are tax-free.

    Long-Term Care
    Perhaps you have had the personal experience or know someone who has had to place a loved one in a nursing home or extended care facility or has had to procure Hospice care. These events can be very traumatic emotionally and physically. To compound problems, the expense can be devastating.  Entire life savings can be "wiped out" to pay for such care. Medicare does not very well address the problem, nor does medical insurance.

    Long-Term Care can provide the necessary monthly income to pay for these expenses, whether it is for home health care, nursing home or extended care facility. Optional benefits available can provide for wheel chairs, special beds, a ramp and other special needs.


    Personal Umbrella Liability
    Accidents happen and litigation sometimes follows. You can become the target of legal action and face potentially huge judgments along with high defense costs.

    Some claim examples:
    • A parent transporting children to a sporting event was involved in an accident and two children were seriously injured... the parent was sued.
    • A dog attacked an individual and the person lost their eye...the dog owner was sued.
    • A homeowner with a swimming pool invited guests over. A guest slipped into the pool and suffered a serious head injury... the homeowner was sued.
    There is one thing these claims had in common. They all ended with jury awards of $600,000 to over $2 million.

    An umbrella policy is designed to provide additional dollars for you once your primary policy limits have been exhausted. Legal defense costs are usually covered on most policies and are in addition to the liability limits.


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    We are licensed in the following states:
    Illinois, Indiana, Utah, Michigan

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