Policyholders affected by the COVID-19 pandemic - Click here
Policyholders affected by recent Tennessee tornadoes - Click here
Illinois Policyholders Affected by Recent Severe Weather - Click here
We are working closely with our agency partners to help those affected by the recent severe weather in Christian County. Additionally, the Illinois Department of Insurance has issued guidelines governing the treatment of all consumers affected by this disaster, and we are implementing those and other measures to assist our policyholders in this difficult time.

Our policyholders may contact us with any questions or concerns at 1-800-877-3579 as our staff is ready to help! The Department of Insurance is also available to assist with any complaints regarding disaster-related disputes or issues by calling their toll-free complaint hotline at 1-866-445-5364 or by filing a complaint online at https://mc.insurance.illinois.gov/messagecenter.nsf.
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Crop-Hail Insurance

Protection against damage to growing crops from hail, fire, or lightning provided by the private market. By contrast, multiple peril crop insurance covers a wider range of yield-reducing conditions, such as drought and insect infestation, and is subsidized by the federal government.

Crime Insurance

Term referring to property coverages for the perils of burglary, theft and robbery.

Credit Score

The number produced by an analysis of an individual's credit history. The use of credit information affects all consumers in many ways, from getting a job, finding a place to live, securing a loan, getting a telephone, and buying insurance. Credit history is routinely reviewed by insurers before issuing a commercial policy because businesses in poor financial condition tend to cut back on safety which can lead to more accidents and more claims. Auto and home insurers may use information in a credit history to produce an insurance score.

Credit Insurance

Commercial coverage against losses resulting from the failure of business debtors to pay their obligation to the insured, usually due to insolvency. The coverage is geared to manufacturers, wholesalers, and service providers who may be dependent on a few accounts, and therefore, could lose significant income in the event of an insolvency.

Credit Enhancement

A technique to lower the interest payments on a bond by raising the issue's credit rating, often through insurance in the form of a financial guarantee or with standby letters of credit issued by a bank.

Credit Derivatives

A contract that enables a user, such as a bank, to better manage its credit risk. A way of transferring credit risk to another party.

Credit

The promise to pay in the future in order to buy or borrow in the present. The right to defer payment of debt.

Crash Parts

Sheet metal parts that are most often damaged in a car crash. (See Generic auto parts)

Contingent Liability

Liability of individuals, corporations, or partnerships for accidents caused by people other than employees for whose acts or omissions the corporations or partnerships are responsible.

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