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Commercial Insurance

First Fed Insurance Agency, Inc. knows that no two businesses are alike. Whether you need property insurance for your restaurant or a workers compensation policy, we can help meet your specific insurance needs.

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First Fed Insurance Agency, Inc. can help cover general liability, property, workers comp, commercial auto, and equipment when we shop several companies to find the right fit for your business. Protect the vital parts of your operation with Commercial Insurance and make sure your company lands on its feet, no matter what happens.

First Fed Insurance Agency, Inc. is a wholly owned subsidiary of First Federal Savings Bank in Ottawa, Illinois. Established in 1985, our insurance agency offers multi-line personal and commercial insurance and Life and Health insurance.

Commercial Lines

  • Package Policy (Property & General Liability)
  • Business Owners Policies
  • Commercial Auto
  • Workers Compensation
  • Garage Keepers
  • Umbrella Liability
  • Liquor Liability
  • Bonds


Business Owners & Package Policies

  • Insurance companies selling business insurance offer policies that combine protection from all major property and liability risks in one package. A package policy purchased by small and mid-sized businesses is the business owners policy (BOP).
  • Package policies are created for businesses that generally face the same kind and degree of risk. Larger companies might purchase a commercial package policy or customize their policies to meet the special risks they face.

Commercial Auto, Property & Liability

  • Commercial auto liability coverage provides protection for any business-owned or leased commercial vehicle. Just like you need auto insurance for your own car, you need business auto insurance to cover your business-owned or leased vehicles.
  • The purpose of property insurance for the small business is to provide critical financial assistance in the event of a loss, so that the business can continue to operate with as little disruption as possible. Property insurance alone is seldom enough, however. It should be but one part of an overall risk management and disaster recovery plan.
  • Liability insurance pays the cost of your defense and protects your assets. Good liability risk management can reduce the chances that your business will be sued, but it can never eliminate the risk entirely. You may be legally liable to pay damages to someone who suffers a loss due to your actions or inaction.

Worker's Comp, Umbrella & More

  • Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides coverage.
  • Umbrella Liability provides extra protection for catastrophic events. The primary policies are called “underlying” policies and are specifically listed, along with their limits, on the umbrella policy. Typically, the underlying policies are your primary general liability, auto liability and the employer’s liability section of your workers comp policy. The umbrella coverage starts to pay when a covered loss exhausts the primary policy’s per occurrence limit.

INSURANCE PRODUCTS AND SERVICES OFFERED THROUGH FIRST FED INSURANCE AGENCY, INC. are not insured by the FDIC *are not a deposit or other obligation of, or guaranteed by, the bank *are subject to Investment risks, including possible loss of the principal amount invested.

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Call Us 1-800-443-8780

Routing Number: 271972912

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