MidState Insurance Agency, Inc
Specializing in business insurance and farm insurance throughout Illinois.
Meet Our TeamInsurance Quote
MidState Insurance Agency, Inc
We give you the power of choice
Specializing in business insurance and farm insurance throughout Illinois.
Meet Our TeamInsurance Quote
Insurance Solutions
MidState Insurance Agency, Inc offers business insurance, personal insurance, farm insurance and employee benefits.
About MidState Insurance Agency, Inc
MidState Insurance Agency, Inc is an independent insurance agency dedicated to creating strong working relationships with our insureds and the companies we represent. We strive to maintain a high level of professionalism that will build trust and friendships with all of our clients.
We believe our clients deserve the utmost dedication and attention from a trusted insurance partner. As that partner, we’ll not only offer you coverages, we’ll educate you about your insurance choices – giving you the power of choice!
We operate with a high level of professionalism and integrity with our clients.
We build trust and friendships with our clients.
We deal with every one of our clients fairly and honestly.
We establish strong working relationships with the companies we represent.
Featured Specialty
Farm Insurance
It can be overwhelming to think about insuring your farm if it’s both your home and your business. Farm insurance eliminates the confusion and allows you to simplify your insurance into a single policy.
There’s more to insurance than the price of the policy
Explore our interactive graphics and learn about your unique risks and the related insurance solutions.
Business InsurancePersonal InsuranceEmployee Benefits
ATV / Utility Vehicles
Risk Factor
Utility vehicles or ATVs designed for use on farms can increase liability. This is mainly because these vehicles are known to be associated with high-risk behaviors, such as operating the vehicle without the use of protective equipment.
Solution
If you routinely ride your ATV or utility vehicle, be sure to always use good judgment and wear proper protective equipment, such as a helmet. Additionally, avoid behaviors that are known to increase risk of injury, such as riding on roads that are intended for automobiles.
Products Liability Exposure
Risk Factor
Say, for example, that the beef produced from the cows raised or kept on a farm causes illness in a consumer when it’s eaten.
Solution
To combat this risk, add an endorsement that modifies your insurance policy to protect you from these potential mistakes.
Foreign Object Ingestion Coverage
Risk Factor
Equipment used on a farm has a high risk of mechanical breakdown. For example, a farmer's combine or chopper could ingest a rock causing equipment failure.
Solution
Add Foreign Object Ingestion coverage so the repairs on your combine or chopper will be covered on your policy. Ask your agent if your policy has this coverage since it is not "automatic" on most farm policies.
Coverage for Peak Season
Risk Factor
During harvest, a farmer often stores grain in grain bins, and this grain usually sells within a few months. Coverage is needed while the grain is onsite, but it could get expensive to fully maintain this coverage during the rest of the year when no grain is present on the farm.
Solution
Cover the grain under peak season. This option tailors your coverage to provide increased amounts of insurance during the months in which you have grain on your farm. This type of coverage can be applied to any harvested crop, not just grains.
Pollution
Risk Factor
Pollution is an increasing risk that can occur due to the improper storage or application of pesticides and fertilizers, runoff and above ground or underground storage tanks.
Solution
It is difficult to control pollution risks on your farm, but it is not impossible. You can protect yourself against this type of risk by obtaining environmental insurance that provides protection for both bodily injury and property damage caused by a farm pollution incident.
Umbrella
Risk Factor
What happens when your farm faces a large liability loss that exceeds the basic limit of your standard policy?
Solution
A commercial umbrella insurance policy increases your liability limits by adding protection over and above your current farm policies - providing real financial value, as well as priceless peace of mind. Commercial umbrella insurance is available either by an endorsement to your farm policy or as separate coverage.
Care, Custody and Control
Risk Factor
If you're caring for livestock owned by others on your farm and an unfortunate event occurs causing the death of some or all of this livestock, you may be held responsible.
Solution
To protect yourself and your farm from this type of risk, add care, custody and control to your insurance policy as an endorsement.
Custom Farming / Business Activity
Risk Factor
Does your farm provide services for others? If so, you may be held responsible for the business activities related to these services.
Solution
To protect yourself from any type of incident relating to these business activities, add an endorsement for custom farming to your insurance policy.
Field Crops
Risk Factor
There are many uncontrollable factors that affect the growth of field crops, such as weather. Are you prepared for what might happen if your crops are devastated by an uncontrollable incident?
Solution
You can protect your livelihood and investment from this type of unavoidable risk with the addition of multi-peril crop insurance.
Property
Risk Factor
If you have a barn or farm structure, a loss to these structures can be catastrophic, potentially putting the farm out of business.
Solution
Be sure you have adequate property coverage to protect your farm from potential catastrophic loss.
Glass Coverage
Risk Factor
If your tractor, combine, harvester or other farming equipment has cab glass, that glass could break. It can be an expensive repair and cause your equipment to be unavailable for an extended amount of time.
Solution
Be sure you have coverage to help pay for repairs or other service work for broken glass.
MidState Insurance Agency, Inc + Erie Insurance
We offer Erie Insurance coverage at competitive rates.
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