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Services2022-06-29T13:53:24-07:00

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ISU Lovering Insurance Services offers a variety of personal and commercial insurance options

Personal Insurance

Luxury House with red electric vehicle in front

Bundled Home & Auto

Modern home at night with colored interior lights

Home Insurance

Auto Insurance

Life Insurance

Motorcycle Insurance

Umbrella Insurance

Condo Insurance

Boat Insurance

ATV & Powersports Insurance

RV / Trailer Insurance

Flood Insurance

Specialty Dwelling Insurance

Vacant Land Insurance

Data Backup Insurance

Renters Insurance

Pet Health Insurance

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Commercial Insurance

Trucking Insurance for commercial truck drivers

Commercial Trucking

Commercial Auto

General Liability

Workers Comp

Commercial Umbrella

Business Property

Cyber Liability

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Insurance FAQs

What is workers’ compensation insurance?2022-06-29T13:54:04-07:00

Workers Compensation insurance is a required in almost every state. It covers the cost for benefits to employees with work-related injuries or illnesses, including medical, wage loss, and death benefits. Workers Comp is priced based on payroll and job classification. Depending on the size of your payroll, the classification of your workers and the state in which you do business, Workers Comp insurance costs can vary widely. Our agents are highly experienced in workers compensation requirements, coverages, and insurance availability. We also offer Experience Modification analysis, and can help with Return To Work programs and Case Management for larger businesses that have more complex Workers Compensation insurance needs.

What if I have a claim?2022-06-29T13:54:04-07:00

Generally, you will file your claim directly with the insurance carrier you purchase a policy through. We can help facilitate that and help along the way with communication between you and the insurance company. We’re in this with you!

What if I already have another insurance agent?2022-06-29T13:54:04-07:00

That’s okay! You can still get insurance quotes from ISU Lovering Insurance Services and leverage our expertise anytime. If we can do a better job, great! If not, at least you know your agent is working hard for you. ISU Lovering Insurance Services is a full service “digital-first” insurance agency, meaning we fully leverage technology to make the insurance experience better. If you want to take advantage of our Automatic Savings Program, and our streamlined self-service technology, we’d be happy to become your agent.

Will turning in a claim automatically increase my insurance?2022-06-29T13:54:04-07:00

Different insurance companies will have different formulas on determining your insurance premium; one of which can be claim frequency and severity. It is our recommendation to discuss your specific claim with our claims manager to see if turning in a claim makes sense. However, all possible liability claims need to be turned in; as the insurance company needs to be put on notice. Reach out to one of our agents today to discuss your specific situation and get recommendations.

What is an adjuster?2022-06-29T13:54:04-07:00

An adjuster is a representative of the insurance company that helps settle a claim.  They are not employed by ISU Lovering Insurance ServicesISU Lovering Insurance Services does not settle claims as this is done by the adjuster.  However, we will assist in making sure a covered claim is paid fairly and promptly.

What is scheduling?2022-06-29T13:54:04-07:00

Scheduling involves placing specific items with a specific value on your homeowners insurance.  It can also be called an “Inland Marine” policy.  This allows coverage for items that may be leaving your premises and would then be lost or stolen.  They can also be set at specific deductibles.  The most common items to schedule are jewelry, bikes, cameras and fine arts.

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