Services

Auto Insurance

Car insurance plans are designed to help cover potential car related damages, loss or injuries financially. It helps protect you, passengers, other drivers, pedestrians, property and your car. Car insurance also helps protects you in the event of a lawsuit associated with an incident involving your car.

 

Overwhelmed by all the auto insurance choices? Don’t be. We can make finding the right car insurance plan easy. Let us help you find the plan you need at a rate you can afford.

 

We will provide you with rates from multiple insurance companies to help you shop for the best combination of price and coverage. We’ll clearly explain the options, so you can make the best decision on which plan works best for you.

Motorcycle Insurance

Chicagoland motorcyle insurance!  Our insurance policies cover all kinds of motorcycles, from sport bikes, cruisers, standard, touring bikes, custom motorcycles, scooters and classic motorcycles. It can also cover custom equipment, medical payments and towing and labor.

 

Let us be your motorcycle insurance agent!

Boat Insurance

Protect your boat or personal watercraft with boat insurance. There are plenty of options with your coverage, including roadside assistance, on water towing, total loss replacement, and also covering anything that is attached to your boat. It will also cover any liability issues that may be caused by an accident.

 

We can offer a multi-policy discount when your boat insurance is part of your home and auto personal insurance package.

Business Insurance

You know your business, but do you know what your business insurance covers?  Together we have over 50 years of combined insurance experience. We offer policies for Restaurants, Contractors, Wholesale and Retailers, Manufacturers, Apartment and Condominiums, Auto Repair and Service, Workers Compensation, Mixed-use buildings, and much more.We work with you to understand your business and the liability associated with your business.  We will customize an insurance policy to fit your needs and your budget.

 

If you don’t see something that fits your business model, contact us today for a custom business insurance plan that fits your business.

Get A Quote
Business Crime Insurance

Business Crime Insurance covers all types of crime that could affect your business. From crooked employees who have stolen from you, any burglaries or robberies to your business, computer fraud or forgery/copyright issues.

 

Today, there are more opportunities for wrongdoing than ever. Whether you’ve just started a company or your business is established and growing, make sure all the hard work you put into your business is covered. Don’t let criminal behavior affect your bottom line. Contact one of our experts to put together a custom business crime insurance plan.

Business Interuption Insurance

Business interruption insurance keeps your business from any losses or damage to the cash flow and profits of a business because of an interruption. If something happens where you cannot operate your business, even if it’s out of your control, you still have to pay the bills. Don’t be in the situation where you have to close your doors temporarily, interruption insurance has you covered.

 

Property insurance covers any broken property but doesn’t cover any lost money that could be caused because of downtime. With business interruption insurance you can keep your business running, get coverage for lost net income, continue paying expenses such as mortgage, advertising, taxes, and salaries, and it can even pay any relocation and advertising fees if you have to move to a temporary site.

Commercial Auto Insurance

Your personal car insurance policy doesn’t cover vehicles used by your business, which is why commercial auto coverage is important. If you use vehicles to provide your employees a way to get around or to move equipment and/or products you need commercial auto insurance. Protect against traffic accidents, vandalism, or even if an uninsured driver hits your vehicle.

 

Commercial auto coverage insures against property damage to vehicles and damage caused to others by those vehicles. We can cover any commercial vehicle from a business car, van, semi-trucks, even a dump truck. Let our experts put together a policy that helps protect your business’ investment.

Liability Insurance

Liability insurance protects your business when it’s sued for negligence. As a business owner you know there are many variables that can come with owning a business. You are liable for unintentional accidents, mistakes or injuries in which you or your employees may be involved in. Business liability insurance helps you with the costs of legal defense and legal damages. It covers medical expenses, attorney fees, and damages when you are legally responsible and other expenses you might have never thought of.

 

Anyone who comes in contact with your business can file a claim or lawsuit against you. Someone can trip and fall, and now needs money for medical bills, business liability has you covered. A client purchases a product of yours and it proves defective, and you have to pay for attorney fees and damages, business liability has you covered. You have a disgruntled ex-employee who is bringing legal action against you, again business liability has you covered.

 

Every business is different, let us put together a business liability program that works best for your business.

Property Insurance

Property insurance protects against loss or damage to your business’ physical assets. That’s why business property insurance is such an important investment in ensuring the strength of your business. Whether you own your building, lease your workspace or work at home, property insurance has you covered.

 

A lot of things can go wrong, things you might over never planned for. A fire hits your business, and now no one can enter the building, property insurance pays to get your building back in working order. Even if that fire destroys all your office equipment it will also be covered. Let us tailor a property insurance plan that works for your business’ needs.

Umbrella Insurance

An umbrella insurance policy supplements your existing general liability, auto liability, and employer’s liability limits. Sometimes accidents happen but are not covered by your existing business insurance programs, with umbrella insurance you have coverage. If there is a huge accident and the damages are above the limits instead of paying out of pocket we can cover you.

 

How much commercial umbrella insurance coverage do you need? There are factors that go into determining the answer, like the type of business you own and how much coverage you already have. Let one of our experts figure out the best plan for your business.

Workers' Compensation

Workers’ compensation insurance is vital to protect your business and in most states is mandatory. It will cover injuries or illnesses when they occur as a result of duties performed on the job or while at work. Some of the injuries that would be covered include injuries caused by lifting heavy equipment, slipping on a wet surface, or injuries because of fires or explosions.

 

Protect your business from a lawsuit and your employees from loss of income. Contact us to tailor a worker’s comp plan that works best for your business.

Business Insurance

You know your business, but do you know what your business insurance covers?  Together we have over 50 years of combined insurance experience. We offer policies for Restaurants, Contractors, Wholesale and Retailers, Manufacturers, Apartment and Condominiums, Auto Repair and Service, Workers Compensation, Mixed-use buildings, and much more.We work with you to understand your business and the liability associated with your business.  We will customize an insurance policy to fit your needs and your budget.

If you don’t see something that fits your business model, contact us today for a custom business insurance plan that fits your business.

Get A Quote
Business Crime Insurance

Business Crime Insurance covers all types of crime that could affect your business. From crooked employees who have stolen from you, any burglaries or robberies to your business, computer fraud or forgery/copyright issues.

 

Today, there are more opportunities for wrongdoing than ever. Whether you’ve just started a company or your business is established and growing, make sure all the hard work you put into your business is covered. Don’t let criminal behavior affect your bottom line. Contact one of our experts to put together a custom business crime insurance plan.

Business Interuption Insurance

Business interruption insurance keeps your business from any losses or damage to the cash flow and profits of a business because of an interruption. If something happens where you cannot operate your business, even if it’s out of your control, you still have to pay the bills. Don’t be in the situation where you have to close your doors temporarily, interruption insurance has you covered.

 

Property insurance covers any broken property but doesn’t cover any lost money that could be caused because of downtime. With business interruption insurance you can keep your business running, get coverage for lost net income, continue paying expenses such as mortgage, advertising, taxes, and salaries, and it can even pay any relocation and advertising fees if you have to move to a temporary site.

Commercial Auto Insurance

Your personal car insurance policy doesn’t cover vehicles used by your business, which is why commercial auto coverage is important. If you use vehicles to provide your employees a way to get around or to move equipment and/or products you need commercial auto insurance. Protect against traffic accidents, vandalism, or even if an uninsured driver hits your vehicle.

 

Commercial auto coverage insures against property damage to vehicles and damage caused to others by those vehicles. We can cover any commercial vehicle from a business car, van, semi-trucks, even a dump truck. Let our experts put together a policy that helps protect your business’ investment.

Liability Insurance

Liability insurance protects your business when it’s sued for negligence. As a business owner you know there are many variables that can come with owning a business. You are liable for unintentional accidents, mistakes or injuries in which you or your employees may be involved in. Business liability insurance helps you with the costs of legal defense and legal damages. It covers medical expenses, attorney fees, and damages when you are legally responsible and other expenses you might have never thought of.

 

Anyone who comes in contact with your business can file a claim or lawsuit against you. Someone can trip and fall, and now needs money for medical bills, business liability has you covered. A client purchases a product of yours and it proves defective, and you have to pay for attorney fees and damages, business liability has you covered. You have a disgruntled ex-employee who is bringing legal action against you, again business liability has you covered.

 

Every business is different, let us put together a business liability program that works best for your business.

Property Insurance

Property insurance protects against loss or damage to your business’ physical assets. That’s why business property insurance is such an important investment in ensuring the strength of your business. Whether you own your building, lease your workspace or work at home, property insurance has you covered.

 

A lot of things can go wrong, things you might over never planned for. A fire hits your business, and now no one can enter the building, property insurance pays to get your building back in working order. Even if that fire destroys all your office equipment it will also be covered. Let us tailor a property insurance plan that works for your business’ needs.

Umbrella Insurance

An umbrella insurance policy supplements your existing general liability, auto liability, and employer’s liability limits. Sometimes accidents happen but are not covered by your existing business insurance programs, with umbrella insurance you have coverage. If there is a huge accident and the damages are above the limits instead of paying out of pocket we can cover you.

 

How much commercial umbrella insurance coverage do you need? There are factors that go into determining the answer, like the type of business you own and how much coverage you already have. Let one of our experts figure out the best plan for your business.

Workers' Compensation

Workers’ compensation insurance is vital to protect your business and in most states is mandatory. It will cover injuries or illnesses when they occur as a result of duties performed on the job or while at work. Some of the injuries that would be covered include injuries caused by lifting heavy equipment, slipping on a wet surface, or injuries because of fires or explosions.

 

Protect your business from a lawsuit and your employees from loss of income. Contact us to tailor a worker’s comp plan that works best for your business.

Home Insurance

Your home is a huge investment, protect it. With home insurance you can protect your home and your possessions. You’ve worked hard for what you have, it’s important to have the right protection. There are many options of what home insurance can cover on your property. We can help you make sure that everything will be taken care of.

 

We are your local independent agent and know the Chicagoland area.  We offer great rates for homes in Chicago, Oak Park, Elmhurst, Downers Grove, Lombard, and the greater Chicagoland area.

Renters Insurance

We’ve got a policy that’s just right for you. We offer a customized renters insurance policy that may include coverage for Personal Property Replacement Cost, Sewer backup, earthquake, Jewelry and Fine Arts, and Computer coverage.  Bundle your auto and renters insurance, and save up to 35%!

 

We only work with insurance companies who offer excellent customer and claims service. Talk to Marci or Kevin about your custom renters insurance policy.

Condo Insurance

Condo insurance can be tricky.  Generally associations only cover the outside of the building, the unit only to the drywall, and common areas.  Make sure your condo insurance protects you and your possessions and liability.  We offer competitive policies for the Chicago and Chicago suburbs, including Downers Grove, Oak Park, Elmhurst, Lombard, Glen Ellyn, and Oak Brook.

 

Bundle your condo insurance with your auto and personal umbrella and save up to 35%.

Homeowners Insurance

We’ve got a policy that’s just right for you.  Our policies can include Guaranteed Replacement Cost, Sewer backup, earthquake, Jewelry and Fine Arts, and Computer coverage.  Bundle your auto and home, and save up to 35%!

 

We only work with insurance companies who offer excellent customer and claims service. Talk to Marci or Kevin about your custom homeowner insurance plan.

Life Insurance

Life insurance policies will protect your beneficiaries with financial stability and security when it matters most. In the event of your passing, life insurance provides financial help to your beneficiaries. Life insurance can help your beneficiaries with:

 

  • Covering any lost income, helping continue the same standard of living
  • Paying off any debts
  • Paying for your children’s education
  • Covering funeral and related costs
Get A Quote
Which is right for you?

First, always ask yourself why you need your life insurance policy and what you’re trying to accomplish by having a life insurance policy. Are you insuring your life so that when you pass away your children will be able to go to college or so your spouse will be able to pay off the mortgage? A temporary form of life insurance – term life – is well suited for these concerns. If you are more concerned about providing income to a widow or widower for life, funding retirement, or passing on wealth to future generations you will find permanent life insurance to be better suited for these goals. If you have a temporary goal in mind then term insurance is probably best.

 

However, if you are looking to address a long term need or concern then it’s best to look at the right permanent life insurance policies for you. Buying insurance of any kind is often confusing. There are always a lot of factors to be considered. Consult with us today to help determine the best type of life insurance and the appropriate premiums for your situation. Our agents are here to help you make a decision that’s right for you!

Permanent Life Insurance

Permanent life insurance provides protection throughout your lifetime as long as you continue to pay your premiums in full. Most permanent life insurance policies build cash value for you to use for expenses later in life like paying off a student loan or purchasing a new car. Cash value is an attractive part of many permanent life insurance plans.

 

  • Whole life policies are the simplest and have the strongest guarantees of any type of life insurance. Whole life policies allow for the accumulation of cash value on a tax-deferred basis, which can be used when you need it. Your cash value will build slowly and steadily, but as your cash value increases you’ll see it grow faster. It pays to be patient!
  • Universal life policies have flexible features that can be customized for you and your loved ones. The flexibility of universal live coverage allows for changes to the death benefit and the size and timing of the policy’s premium, to an extent. So as changes to your life take place so can your coverage. Your tax-deferred cash value account accumulates at least the guaranteed rate of interest but may accumulate at a higher rate depending on current market rates. Meaning, you may receive more cash value than expected or you may get none at all. Consult with our professionals about overfunding to make sure your universal life policy has cash value.
  • Variable life is a permanent life insurance policy with a cash value account. Variable life insurance policies require a fixed annual premium for the life of the policy and may provide a minimum guaranteed death benefit. If the cash value account exceeds a certain amount, the death benefit will increase. Variable life policies usually allow for a wider selection of investment options, known as subaccounts, for you to choose from. Your choices can range from a fixed interest subaccount to a highly volatile international growth account.

 

If you want a policy that can build cash value for you as well as build up some savings for later in life, talk to our agents about the right permanent life insurance plan for you!

Term Life Insurance

Term life insurance provides you protection for a specific price over a specified period of time: usually 10, 15, 20, or 30 years. Coverage expires without value at the end of the term and you will need to either convert your policy to a permanent life insurance plan or purchase a new policy for a new term. Term life insurance pays out a specified lump sum to a beneficiary only in the event that you die before the policy expires. Term life insurance is somewhat less expensive than permanent live insurance due to the drawback of having an expiration date.

 

Different types of term life insurance are available for you. Let us modify a plan to fit your needs and provide you the maximum amount of protection for the least amount of premium.

 

  • Annual Renewable Term – The death benefit is a level amount and will remain the same for the term period. This policy can automatically be renewed without having to provide evidence of good health each year. The premiums may, however, increase each year with age.
  • Level Term – The death benefit is a level amount and will remain the same for the term period. Level term policies are usually purchased for a period of 10, 20, or 30 years and the premium generally remains stable over the entire period.
  • Decreasing Term – The premiums remain level over a specific term, but the amount of death benefit protection decreases throughout the term. Decreasing term insurance is best for you if you have financial obligations that decrease over time such as a mortgage or a loan.

Contact our insurance professionals today to see if term life insurance is right for you.

Life Insurance

Life insurance policies will protect your beneficiaries with financial stability and security when it matters most. In the event of your passing, life insurance provides financial help to your beneficiaries. Life insurance can help your beneficiaries with:

 

  • Covering any lost income, helping continue the same standard of living
  • Paying off any debts
  • Paying for your children’s education
  • Covering funeral and related costs
Get A Quote
Which is right for you?

First, always ask yourself why you need your life insurance policy and what you’re trying to accomplish by having a life insurance policy. Are you insuring your life so that when you pass away your children will be able to go to college or so your spouse will be able to pay off the mortgage? A temporary form of life insurance – term life – is well suited for these concerns. If you are more concerned about providing income to a widow or widower for life, funding retirement, or passing on wealth to future generations you will find permanent life insurance to be better suited for these goals. If you have a temporary goal in mind then term insurance is probably best.

 

However, if you are looking to address a long term need or concern then it’s best to look at the right permanent life insurance policies for you. Buying insurance of any kind is often confusing. There are always a lot of factors to be considered. Consult with us today to help determine the best type of life insurance and the appropriate premiums for your situation. Our agents are here to help you make a decision that’s right for you!

Permanent Life Insurance

Permanent life insurance provides protection throughout your lifetime as long as you continue to pay your premiums in full. Most permanent life insurance policies build cash value for you to use for expenses later in life like paying off a student loan or purchasing a new car. Cash value is an attractive part of many permanent life insurance plans.

 

  • Whole life policies are the simplest and have the strongest guarantees of any type of life insurance. Whole life policies allow for the accumulation of cash value on a tax-deferred basis, which can be used when you need it. Your cash value will build slowly and steadily, but as your cash value increases you’ll see it grow faster. It pays to be patient!
  • Universal life policies have flexible features that can be customized for you and your loved ones. The flexibility of universal live coverage allows for changes to the death benefit and the size and timing of the policy’s premium, to an extent. So as changes to your life take place so can your coverage. Your tax-deferred cash value account accumulates at least the guaranteed rate of interest but may accumulate at a higher rate depending on current market rates. Meaning, you may receive more cash value than expected or you may get none at all. Consult with our professionals about overfunding to make sure your universal life policy has cash value.
  • Variable life is a permanent life insurance policy with a cash value account. Variable life insurance policies require a fixed annual premium for the life of the policy and may provide a minimum guaranteed death benefit. If the cash value account exceeds a certain amount, the death benefit will increase. Variable life policies usually allow for a wider selection of investment options, known as subaccounts, for you to choose from. Your choices can range from a fixed interest subaccount to a highly volatile international growth account.

 

If you want a policy that can build cash value for you as well as build up some savings for later in life, talk to our agents about the right permanent life insurance plan for you!

Term Life Insurance

Term life insurance provides you protection for a specific price over a specified period of time: usually 10, 15, 20, or 30 years. Coverage expires without value at the end of the term and you will need to either convert your policy to a permanent life insurance plan or purchase a new policy for a new term. Term life insurance pays out a specified lump sum to a beneficiary only in the event that you die before the policy expires. Term life insurance is somewhat less expensive than permanent live insurance due to the drawback of having an expiration date.

 

Different types of term life insurance are available for you. Let us modify a plan to fit your needs and provide you the maximum amount of protection for the least amount of premium.

 

  • Annual Renewable Term – The death benefit is a level amount and will remain the same for the term period. This policy can automatically be renewed without having to provide evidence of good health each year. The premiums may, however, increase each year with age.
  • Level Term – The death benefit is a level amount and will remain the same for the term period. Level term policies are usually purchased for a period of 10, 20, or 30 years and the premium generally remains stable over the entire period.
  • Decreasing Term – The premiums remain level over a specific term, but the amount of death benefit protection decreases throughout the term. Decreasing term insurance is best for you if you have financial obligations that decrease over time such as a mortgage or a loan.

Contact our insurance professionals today to see if term life insurance is right for you.

Our Carriers

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At Kevin S Dougherty Insurance, our ultimate goal is to create lasting relationships with each of our clients so that we may continue providing excellent service for many years to come.   We want you to have comfort in knowing that we are familiar with the lines of coverage that we offer.

 

A broad range of product knowledge helps us to instill in our policyholders a greater degree of confidence as to why they placed their insurance with our Agency.

We specialize in the following Services:

 

  • Auto Insurance
  • Home Insurance
  • Personal Umbrella Insurance
  • Restaurant Insurance
  • Manufacturer Insurance
  • Business Owner Package Policies
  • Landlord Package – Condo/Apartment Buildings
  • General Contractors
  • Artisan Contractors
  • Workers Comp

 

Although we are located in Oakbrook, Illinois, we offer unparalleled service and competitive quotes to clients throughout the entire State of Illinois, Wisconsin & Indiana.