Frequently Asked Questions

We know insurance can be confusing. To help you make a clear decision when it comes to selecting the right coverage, our insurance experts provide answers to some of the most commonly asked questions.

Retail insurance

Equipment breakdown coverage is broader and covers air conditioning equipment, whereas food spoilage coverage is specific to food spoilage caused by equipment or mechanical breakdown or failure.


A return-to-work (RTW) program is a way to get injured workers back to work more quickly. Job duties may be modified to accommodate an injured worker’s temporary impairment. Employers embracing a RTW program gain reward across every area of operational effectiveness. Most people want to be productive, generating value for themselves, their family, and their employer. An effective RTW plan reassures your employee that he or she is respected and valued. Additionally, if you are a company that has an E-Mod applied to your work comp insurance premium, an RTW program can help limit the negative impact a loss has on the E-Mod calculation.


Thankfully, bringing charges against an employee who stole from you isn’t required for you to make a claim. This can help you through some awkward situations and may make the process easier. However, a filed police report will be required during the claims process.


We started out as Mutual Auto Insurance Company of the Town of Herman in 1925 and have been insuring mercantile risks for over 40 years!


We insure a wide variety of mercantile risks, from restaurants and grocery stores to sporting goods and hardware stores. 


We are one of the rare companies that maintain A+ financial ratings from A.M. Best and Standard and Poor’s.  Of the 3,000 property-casualty carriers in the nation, we’ve consistently been ranked as one of the best-run companies by Ward Financial Group.


While it isn’t mandatory, it is recommended for safety purposes. A bathroom log not only assigns cleaning tasks, but also creates a culture of responsible safety practices. If water or soap is left on the floor, employees or customers could slip and get seriously injured.


A sick leave policy is important for two reasons. First, if your employees come to work ill, they may get other employees and customers sick, spreading illness and creating staffing and service issues for your business. Second, it is a way for you to let your employees know you care for their health and respect them, which will help improve their morale and performance.


We all hope that a crisis never happens, but the truth is they do happen. If you are unprepared, a crisis can easily lead to loss of your business. Make plans to ensure you and your employees are prepared for a fire, tornado, or other unforeseen event. That way, if a crisis does happen, it will be less chaotic and recovery will be more efficient.