picture of a water drop causing a splash

Water Damage And Claims

Water.  it is an essential part of our lives and we could not live without it; however, when water gets into places it is not supposed to be, it can wreak havoc in our lives.  Unwanted water can enter our homes through a variety of sources.  Some of them are covered by your homeowners insurance, some are not, and others have limited coverage.  The following is a brief description of how a Homeowners Policy typically responds to water damage.  Each company can differ, and one should consult their specific homeowners policy for exact coverage.

Water that backs up through sewers,…

picture of combine unloading corn into hopper being pulled by tractor

Farming and Workers Compensation

Farming is one of the most hazardous occupations. If a farm employee gets injured on the job, it can put the entire farming operation in jeopardy. This article will discuss the ways to protect the employer and the employee in a farming operation.

The Workers Compensation statutes in Illinois require ALL employers to provide worker’s compensation benefits to employees injured on the job.  There is an exception for farming: “The Worker’s Compensation law does not apply to an “agricultural enterprise” employing less that 400 working days of agricultural labor per quarter during the preceding calendar year, exclusive of working…