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Featured Insurance Blog

Umbrella Insurance: What You Need To Know

The term "umbrella insurance" refers to extra liability insurance that offers a variety of coverage. While standard liability insurance is naturally limited, umbrella insurance surpasses many of those limitations. In turn, this provides the insured with a policy that branches out and covers more aspects of their lives.

There are two main types of umbrella insurance: Personal and Commercial

A personal umbrella insurance policy could potentially tackle homeowner’s and automobile coverage, while a commercial umbrella insurance policy involves business coverage.

There are several aspects to consider when you are shopping around for umbrella insurance. You will need to make sure that this type of coverage is the ideal coverage for you. If you are a business owner, commercial insurance can help you cover your employees, your property, and your business assets.

However, personal umbrella insurance is perfect for an individual in need of excess coverage, particularly someone with a net worth that is on the higher end. This can encompass a variety of legal troubles that may affect wealthy individuals more than anyone. These problems could be libel, slander, arrest under false pretenses, or invasion of privacy.

Get The Right Coverage Today

Midwest Professional Insurance in Kansas City, MO has insurance professionals waiting to assist you with getting the correct umbrella insurance policy. Whether you are looking for personal or commercial umbrella insurance, Midwest Professional Insurance can walk you through the steps of obtaining the correct policy for yourself.

If you are in the Kansas City, MO area, stop by the office to discuss this matter. If your income is suitable for an umbrella policy, the experts at Midwest Professional Insurance will work with you to make sure that your assets are covered, giving you the ultimate peace of mind.

Read More

The term "umbrella insurance" refers to extra liability insurance that offers a variety of coverage. While standard liability insurance is naturally limited, umbrella insurance surpasses many of those limitations. In turn, this provides the insured with a policy that branches out and covers more aspects of their lives.

There are two main types of umbrella insurance: Personal and Commercial

A personal umbrella insurance policy could potentially tackle homeowner’s and automobile coverage, while a commercial umbrella insurance policy involves business coverage.

There are several aspects to consider when you are shopping around for umbrella insurance. You will need to make sure that this type of coverage is the ideal coverage for you. If you are a business owner, commercial insurance can help you cover your employees, your property, and your business assets.

However, personal umbrella insurance is perfect for an individual in need of excess coverage, particularly someone with a net worth that is on the higher end. This can encompass a variety of legal troubles that may affect wealthy individuals more than anyone. These problems could be libel, slander, arrest under false pretenses, or invasion of privacy.

Get The Right Coverage Today

Midwest Professional Insurance in Kansas City, MO has insurance professionals waiting to assist you with getting the correct umbrella insurance policy. Whether you are looking for personal or commercial umbrella insurance, Midwest Professional Insurance can walk you through the steps of obtaining the correct policy for yourself.

If you are in the Kansas City, MO area, stop by the office to discuss this matter. If your income is suitable for an umbrella policy, the experts at Midwest Professional Insurance will work with you to make sure that your assets are covered, giving you the ultimate peace of mind.

Can Your Condo HOA Require You To Carry Condo Insurance With a Specific Company?

If you are in the process of buying a condo or have recently purchased one in Kansas, you may see that an HOA or condo association states that you have to have condo insurance. They may then recommend or suggest companies that you should purchase the insurance through.

This may leave you wondering if the HOA can require you to carry condo insurance and if they can require you to carry it through a specific company. Read along as Midwest Professional Insurance answers these questions. 

Can Your Condo HOA Require You To Carry Condo Insurance?

Your condo HOA can require you to carry condo insurance. The condo association has a vested interest in keeping your property maintained and cared for since the condo is inside a building they are responsible for. Additionally, if your condo is being financed, the financial company may also require you to carry condo insurance. 

Can Your Condo HOA Require You To Carry Condo Insurance With a Specific Company?

While a condo association and financial institution can require you to carry condo insurance, and can even require you to have a specific coverage amount, they cannot require you to purchase that insurance from a specific company. They can recommend companies, but you always have the ability to select your own condo insurance policies as long as it meets the basic requirements set forth by the condo HOA or financial institution. 

Give Us A Call

Your condo HOA or condo association can require you to carry condo insurance, but they cannot force you to buy it from a specific insurance company. You have a choice of what company you want to purchase it from. If you are looking to purchase condo insurance in Kansas, Midwest Professional Insurance would love to help you. Call us today to get started. 

Read More

If you are in the process of buying a condo or have recently purchased one in Kansas, you may see that an HOA or condo association states that you have to have condo insurance. They may then recommend or suggest companies that you should purchase the insurance through.

This may leave you wondering if the HOA can require you to carry condo insurance and if they can require you to carry it through a specific company. Read along as Midwest Professional Insurance answers these questions. 

Can Your Condo HOA Require You To Carry Condo Insurance?

Your condo HOA can require you to carry condo insurance. The condo association has a vested interest in keeping your property maintained and cared for since the condo is inside a building they are responsible for. Additionally, if your condo is being financed, the financial company may also require you to carry condo insurance. 

Can Your Condo HOA Require You To Carry Condo Insurance With a Specific Company?

While a condo association and financial institution can require you to carry condo insurance, and can even require you to have a specific coverage amount, they cannot require you to purchase that insurance from a specific company. They can recommend companies, but you always have the ability to select your own condo insurance policies as long as it meets the basic requirements set forth by the condo HOA or financial institution. 

Give Us A Call

Your condo HOA or condo association can require you to carry condo insurance, but they cannot force you to buy it from a specific insurance company. You have a choice of what company you want to purchase it from. If you are looking to purchase condo insurance in Kansas, Midwest Professional Insurance would love to help you. Call us today to get started. 

[Video] Difference between Excess Liability & Commercial Umbrella

The Two Minute (or less) Drill!

You’ve put a lot into building your business. I’m here to coach you on how to protect it. I hope you enjoy my new coaching series where I coach you on what you NEED to know so you can focus on what you do best – running your business. Let me know what you think!

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The Two Minute (or less) Drill!

You’ve put a lot into building your business. I’m here to coach you on how to protect it. I hope you enjoy my new coaching series where I coach you on what you NEED to know so you can focus on what you do best – running your business. Let me know what you think!

4 Tips to Get the Most Out of Your Health Insurance Plan

You want to protect the health and well-being of yourself and your family members. So, you’re looking for health insurance that safeguards you against major financial losses due to a covered medical event. At Midwest Professional Insurance, we help Kansas residents find the right health insurance for their needs.

Here are a few tips to help you get the most out of your coverage:

1. Conduct Regular Policy Reviews

You may think you understand your coverage, but policies can change over time. Schedule an annual policy review with your insurance agent to make sure you understand what’s covered. This way, you’ll clearly understand what your insurance pays for in the event of a medical or health crisis.

2. Find a Good Primary Care Doctor

Do you have a family doctor who knows your medical history and proactively looks after your health and well-being? If so, it’s important to find a policy that includes your preferred health care provider.

3. Take Advantage of Preventive Care

Even high-deductible policies typically cover screenings that fall under preventive care. This means you won’t pay out of pocket for screenings that include blood pressure, diabetes, and cholesterol checks. These policies typically include flu shots and breast cancer screenings to safeguard your health.

4. Look Out for Perks

Some policies come with perks. Find out whether your insurer can get you discounts at the local gym, for example. You may also receive discounts on nonessential procedures that improve your quality of life. This includes things like massages and LASIK surgery.

Give Us A Call

Midwest Professional Insurance in Kansas can discuss all your health insurance needs and connect you with a compatible insurance company. Contact us today to find out which policy is right for you.

Read More

You want to protect the health and well-being of yourself and your family members. So, you’re looking for health insurance that safeguards you against major financial losses due to a covered medical event. At Midwest Professional Insurance, we help Kansas residents find the right health insurance for their needs.

Here are a few tips to help you get the most out of your coverage:

1. Conduct Regular Policy Reviews

You may think you understand your coverage, but policies can change over time. Schedule an annual policy review with your insurance agent to make sure you understand what’s covered. This way, you’ll clearly understand what your insurance pays for in the event of a medical or health crisis.

2. Find a Good Primary Care Doctor

Do you have a family doctor who knows your medical history and proactively looks after your health and well-being? If so, it’s important to find a policy that includes your preferred health care provider.

3. Take Advantage of Preventive Care

Even high-deductible policies typically cover screenings that fall under preventive care. This means you won’t pay out of pocket for screenings that include blood pressure, diabetes, and cholesterol checks. These policies typically include flu shots and breast cancer screenings to safeguard your health.

4. Look Out for Perks

Some policies come with perks. Find out whether your insurer can get you discounts at the local gym, for example. You may also receive discounts on nonessential procedures that improve your quality of life. This includes things like massages and LASIK surgery.

Give Us A Call

Midwest Professional Insurance in Kansas can discuss all your health insurance needs and connect you with a compatible insurance company. Contact us today to find out which policy is right for you.

Choosing Your Life Insurance Policy

Most people have loved ones who depend on them, and it’s important to have life insurance for that reason. When you have life insurance, you have something to leave behind to those who depend on you and give them assistance after you’re gone. When you need a life insurance policy, there are two main types to choose from. These each has their own benefits as well as drawbacks. If you need help choosing your life insurance policy, you can call us at Midwest Professional Insurance in Kansas. 

Choosing Your Life Insurance Policy

Term Life Insurance Policies

This type of life insurance is one that has a specific, set term of time that it’s good for, and then it expires. This term may be any number of years but is often about 20 years long. When you have this type of insurance, it comes at a relatively low price. Many people in need of life insurance find this to be the most affordable option for them. However, it does expire, and when it does, policyholders have to apply for a new insurance policy all over again. 

Whole Life Insurance Policies

This type of policy works very differently from term life policies. It has no expiration date and is good for as long as you want to keep it. As long as you keep on making your premium payments, your policy can’t be canceled. The major disadvantage is that these policies are more expensive than term life, but there is also another advantage. They create a cash value that policyholders can borrow if they have a financial emergency. Many people like knowing that they have this amount to borrow against if the need should arise. 

Get Covered by Life Insurance

When you are in need of a life insurance policy, contact us to get started. You can call us at Midwest Professional Insurance in Kansas.

Read More

Most people have loved ones who depend on them, and it’s important to have life insurance for that reason. When you have life insurance, you have something to leave behind to those who depend on you and give them assistance after you’re gone. When you need a life insurance policy, there are two main types to choose from. These each has their own benefits as well as drawbacks. If you need help choosing your life insurance policy, you can call us at Midwest Professional Insurance in Kansas. 

Choosing Your Life Insurance Policy

Term Life Insurance Policies

This type of life insurance is one that has a specific, set term of time that it’s good for, and then it expires. This term may be any number of years but is often about 20 years long. When you have this type of insurance, it comes at a relatively low price. Many people in need of life insurance find this to be the most affordable option for them. However, it does expire, and when it does, policyholders have to apply for a new insurance policy all over again. 

Whole Life Insurance Policies

This type of policy works very differently from term life policies. It has no expiration date and is good for as long as you want to keep it. As long as you keep on making your premium payments, your policy can’t be canceled. The major disadvantage is that these policies are more expensive than term life, but there is also another advantage. They create a cash value that policyholders can borrow if they have a financial emergency. Many people like knowing that they have this amount to borrow against if the need should arise. 

Get Covered by Life Insurance

When you are in need of a life insurance policy, contact us to get started. You can call us at Midwest Professional Insurance in Kansas.

What to Do if You’re in an Accident: Auto Insurance Tips

Every day we hear about car accidents on the news. They’re scary and can happen to anyone, even the safest drivers. If you’ve been in an accident or are involved in one, it’s important to know what to do next and how to protect yourself. Midwest Professional Insurance in Kansas offers auto insurance for your protection. 

Here are some auto insurance tips in the aftermath of an accident:

1. Check for Injuries

After an accident, it’s important to check for injuries, even if you feel fine. Sometimes, adrenaline can mask the pain of an injury, and it’s not uncommon for people to feel fine immediately after an accident only to experience symptoms later on. Additionally, some injuries, such as internal bleeding, may not be immediately apparent. That’s why it’s important to get checked out by a medical professional as soon as possible after an accident. Doing so can help ensure that any injuries are properly diagnosed and treated, preventing further complications later on.

2. Call the Police to File a Report

Regardless of the severity of the accident, it’s always a good idea to call the police so that they can file an official report. This report can be useful later on if you need to file an insurance claim or take legal action.

3. Take Photos and Collect Information

Be sure to take plenty of photos of the accident scene, as well as any damage to your vehicle or the other vehicles involved. You should also collect the contact information of any witnesses, as well as the other drivers involved. This information can be helpful later on if you need to file an insurance claim or take legal action.

4. Contact Your Insurance Company

As soon as possible after the accident, you should contact your insurance company to report the accident and start the claims process. Be sure to have all of the relevant information on hand, such as the police report, photos of the accident scene, and any other documentation.

Give Us A Call

If you’ve been in an accident, Midwest Professional Insurance in Kansas is here to help. We’re committed to helping our clients through the claims process and are here to answer any questions you may have. Contact us today to learn more about our auto insurance coverage options.

Read More

Every day we hear about car accidents on the news. They’re scary and can happen to anyone, even the safest drivers. If you’ve been in an accident or are involved in one, it’s important to know what to do next and how to protect yourself. Midwest Professional Insurance in Kansas offers auto insurance for your protection. 

Here are some auto insurance tips in the aftermath of an accident:

1. Check for Injuries

After an accident, it’s important to check for injuries, even if you feel fine. Sometimes, adrenaline can mask the pain of an injury, and it’s not uncommon for people to feel fine immediately after an accident only to experience symptoms later on. Additionally, some injuries, such as internal bleeding, may not be immediately apparent. That’s why it’s important to get checked out by a medical professional as soon as possible after an accident. Doing so can help ensure that any injuries are properly diagnosed and treated, preventing further complications later on.

2. Call the Police to File a Report

Regardless of the severity of the accident, it’s always a good idea to call the police so that they can file an official report. This report can be useful later on if you need to file an insurance claim or take legal action.

3. Take Photos and Collect Information

Be sure to take plenty of photos of the accident scene, as well as any damage to your vehicle or the other vehicles involved. You should also collect the contact information of any witnesses, as well as the other drivers involved. This information can be helpful later on if you need to file an insurance claim or take legal action.

4. Contact Your Insurance Company

As soon as possible after the accident, you should contact your insurance company to report the accident and start the claims process. Be sure to have all of the relevant information on hand, such as the police report, photos of the accident scene, and any other documentation.

Give Us A Call

If you’ve been in an accident, Midwest Professional Insurance in Kansas is here to help. We’re committed to helping our clients through the claims process and are here to answer any questions you may have. Contact us today to learn more about our auto insurance coverage options.

Do all people need to get classic car insurance for their classic cars?

Owning a classic car can be a great option for anyone that is a car lover and is looking for an alternative investment. If you would like to get this type of vehicle, you need to get the right insurance for it as well. There are a few reasons why someone will want to get a classic car insurance plan for their prized asset.  Midwest Professional Insurance in Kansas offers this guide in navigating classic car insurance. 

Getting Classic Car Insurance 

Ensure in Compliance with Liability Requirement

An important reason to have an insurance plan for your classic car is to ensure you are in compliance with your liability requirement. While classic car owners are likely to drive vehicles only sparingly, they are still obligated by law to carry the right insurance when they are on the road. This means carrying a liability insurance plan whenever driving on a public road in any state. 

Protect the Car

You also should get a classic car insurance plan to protect your car. If someone is going to invest in a classic car, they will want their investment to pay off over the long run. A great way to ensure this happens is by getting classic car insurance, which will include provisions to cover the car in the event of theft or accident damage. A classic car insurance plan is ideal compared to standard auto insurance as it can also be used to insure the collectible value of the car.

Contact Us Today

Having a classic car insurance plan is a good idea for any classic car owner. Once you are ready to start looking for your next policy, calling Midwest Professional Insurance is a great option. Our team in Kansas will know the value of this coverage and can provide you with guidance to properly insure your classic car. 

Read More

Owning a classic car can be a great option for anyone that is a car lover and is looking for an alternative investment. If you would like to get this type of vehicle, you need to get the right insurance for it as well. There are a few reasons why someone will want to get a classic car insurance plan for their prized asset.  Midwest Professional Insurance in Kansas offers this guide in navigating classic car insurance. 

Getting Classic Car Insurance 

Ensure in Compliance with Liability Requirement

An important reason to have an insurance plan for your classic car is to ensure you are in compliance with your liability requirement. While classic car owners are likely to drive vehicles only sparingly, they are still obligated by law to carry the right insurance when they are on the road. This means carrying a liability insurance plan whenever driving on a public road in any state. 

Protect the Car

You also should get a classic car insurance plan to protect your car. If someone is going to invest in a classic car, they will want their investment to pay off over the long run. A great way to ensure this happens is by getting classic car insurance, which will include provisions to cover the car in the event of theft or accident damage. A classic car insurance plan is ideal compared to standard auto insurance as it can also be used to insure the collectible value of the car.

Contact Us Today

Having a classic car insurance plan is a good idea for any classic car owner. Once you are ready to start looking for your next policy, calling Midwest Professional Insurance is a great option. Our team in Kansas will know the value of this coverage and can provide you with guidance to properly insure your classic car. 

Types of Life Insurance

When you need to leave something behind for your loved ones after you’re gone, you need a life insurance policy. However, there are different types that you can choose from. The one that you choose will come down to a lot of factors such as the cost and the type of coverage you want. When you need life insurance in Kansas, give us a call at Midwest Professional Insurance to get started. 

Types of Life Insurance

Whole Life Insurance

This is one of the main types of life insurance that comes with its own pros and cons. The main disadvantage is that it will cost more than another type of policy. However, there are also a lot of advantages to this type of policy. It is a type that doesn’t expire, so you never have to worry about getting a new insurance policy. Instead, it stays in effect for as long as you pay the policy’s premiums. When you have this policy, even the issuing company can’t cancel it as long as you keep paying for it. This insurance also creates a cash value that builds up over time that you can borrow against should you ever need to. 

Term Life Insurance

When you have a term life insurance policy, it will be much easier to afford. These policies are known for being more affordable, and many people choose them for just this reason. However, they have the disadvantage of being in effect only for a set number of years. During that term, the policy is active, but at the end of it, it will expire. When that happens, you will have to apply for a new life insurance policy to stay insured. 

Get Life Insurance Today

When you need life insurance, there is no reason to wait. Give us a call today at Midwest Professional Insurance, serving all over Kansas.

Read More

When you need to leave something behind for your loved ones after you’re gone, you need a life insurance policy. However, there are different types that you can choose from. The one that you choose will come down to a lot of factors such as the cost and the type of coverage you want. When you need life insurance in Kansas, give us a call at Midwest Professional Insurance to get started. 

Types of Life Insurance

Whole Life Insurance

This is one of the main types of life insurance that comes with its own pros and cons. The main disadvantage is that it will cost more than another type of policy. However, there are also a lot of advantages to this type of policy. It is a type that doesn’t expire, so you never have to worry about getting a new insurance policy. Instead, it stays in effect for as long as you pay the policy’s premiums. When you have this policy, even the issuing company can’t cancel it as long as you keep paying for it. This insurance also creates a cash value that builds up over time that you can borrow against should you ever need to. 

Term Life Insurance

When you have a term life insurance policy, it will be much easier to afford. These policies are known for being more affordable, and many people choose them for just this reason. However, they have the disadvantage of being in effect only for a set number of years. During that term, the policy is active, but at the end of it, it will expire. When that happens, you will have to apply for a new life insurance policy to stay insured. 

Get Life Insurance Today

When you need life insurance, there is no reason to wait. Give us a call today at Midwest Professional Insurance, serving all over Kansas.

How Umbrella Insurance Works

Making sure that you have enough liability insurance can be tricky. How much is enough? With medical bills going up every day, it’s important to have a great deal of coverage so that you can make sure that those bills get paid after an accident. For many people, an umbrella insurance policy is a great way to make sure that they have enough protection. If you are interested in a policy, call us now at Midwest Professional Insurance.

Liability Coverage

Everyone needs to have liability coverage, which is especially true when you have an asset like a home or a car. If you have home and auto insurance policies already, you may assume that you have plenty of liability coverage. However, this may not be the case. Often, these policies come with small amounts of liability coverage in order to keep the price low. And, it can be very expensive to add liability coverage to those policies. The solution is to get an umbrella policy. These policies add more liability coverage to both of those insurance policies so that you are better covered. 

Two Insurance Steps

There are two steps involved when you use an umbrella policy to pay for an accident. The first step is for the home or auto policy to come in and pay what it can toward the medical bills that come from an accident. The second step is for the umbrella policy to pay what is left over after the first policy has paid as much as the policy allows. This ensures that there is no overage left for you to pay. And, the cost of umbrella insurance is low for the amount of coverage that you get. 

Get Your Umbrella Coverage

If you are interested in umbrella insurance, contact us at Midwest Professional Insurance.

Read More

Making sure that you have enough liability insurance can be tricky. How much is enough? With medical bills going up every day, it’s important to have a great deal of coverage so that you can make sure that those bills get paid after an accident. For many people, an umbrella insurance policy is a great way to make sure that they have enough protection. If you are interested in a policy, call us now at Midwest Professional Insurance.

Liability Coverage

Everyone needs to have liability coverage, which is especially true when you have an asset like a home or a car. If you have home and auto insurance policies already, you may assume that you have plenty of liability coverage. However, this may not be the case. Often, these policies come with small amounts of liability coverage in order to keep the price low. And, it can be very expensive to add liability coverage to those policies. The solution is to get an umbrella policy. These policies add more liability coverage to both of those insurance policies so that you are better covered. 

Two Insurance Steps

There are two steps involved when you use an umbrella policy to pay for an accident. The first step is for the home or auto policy to come in and pay what it can toward the medical bills that come from an accident. The second step is for the umbrella policy to pay what is left over after the first policy has paid as much as the policy allows. This ensures that there is no overage left for you to pay. And, the cost of umbrella insurance is low for the amount of coverage that you get. 

Get Your Umbrella Coverage

If you are interested in umbrella insurance, contact us at Midwest Professional Insurance.

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