Cedar Rapids, NE Auto Insurance

        Cedar Valley Insurance Agency, Inc.

Cedar Valley Insurance Agency, Inc. has 26 years of experience providing complete insurance coverage for families and businesses in the Cedar Rapids, NE area. We have 4 convenient locations, and we serve all of the Cedar Valley area. We offer a wide array of insurance options to cover all the important areas of your life, from your home to your business to your automobile, and much more.


Our Insurance Products Include:

At Cedar Valley Insurance Agency, we do more than just Provide Insurance – We build friendships!

 

Fire/EMS-PAK

Continental Western Group’s Fire/EMS-PAK program is a program specifically designed to meet the specialized needs of volunteer / partial paid fire departments, and volunteer / not for profit EMS organizations. It features many advantages over typical insurance coverages, including extremely competitive premiums. This program has been offered thru Continental Western Group since 1980.

School District Package

The School Commercial Package combines the Property, General Liability, Automobile, Crime and Inland Marine coverages under one policy for Schools. The program is primarily intended for Public and Private schools having classes for Kindergarten up to Grade 12. Property can be written on either a Specific Basis or Blanket by Location. Continental Western Group has devised a plan that provides outstanding coverage along with competitive premiums for School Districts.

Public Entity Package

Continental Western Group’s Public Entity PAK Program was specifically designed to meet the specialized needs of small public entities (town size of 10,000 or less in population) including water districts, irrigation districts, sewer districts and others. As such, it features many advantages over typical insurance coverages, including competitive premiums.
With Public Entity PAK, many of your insurance coverages are combined into a single package policy, saving you both time and money. It offers one common expiration date and one billing.

Motor Carrier Policy

Servicing the unique needs of the transportation industry since 1960 with package policies covering property, inland marine, motor carrier, and physical damage plus stated amount and ACV, workers' compensation and umbrella. Continental Western Group has specialized professionals in underwriting, loss control, and claims. Program is designed for common carrier, contract, exempt, and bobtail carriers operating within a 500 mile radius hauling dry freight, refrigerated, dry bulk tankers, flatbed, intermodal, grain and other agricultural commodities.

Auto Insurance

Your personal automobile policy protects you against overwhelming financial loss if you are involved in an accident and you are determined to be responsible. Our auto policy provides coverage for your legal liability up to the limits of the policy. We also offer coverage, in the event that your auto is damaged in an accident or other mishap (e.g. fire, hail or vandalism). A wide selection of coverage options is available to protect you, your loved ones and your auto.

Homeowner’s Insurance

Feel a sense of security when you protect your biggest asset with an individualized homeowner policy. We offer flexible coverage’s at affordable rates that protect your home, personal possessions and personal liability.

Farm & Ranch Insurance

Farmers, Ranchers and Agribusiness owners need a policy that works as hard as they do. We represent companies that have taken proactive approaches to properly cover the ever changing Farming World. We make available to our insureds coverages that generally are not available through most other carriers or only available by special endorsements all while providing this at a competitive premium. As an On Your Side® Farm Certified Agency, Brian and Brady Yosten have attended rigorous training classes to receive in-depth education on farm and ranch operations. You can be confident that an On Your Side® Farm Certified Agent has extensive knowledge about farm and ranch operations, and provides the highest level of professional service to you and your family along with the Business you have built and love.

Umbrella Insurance

An Umbrella Policy will help protect you beyond the liability limits of your basic policy. This type of coverage adds an extra layer of protection. This easy and affordable coverage will help protect your current and future assets and lifestyle.

Renter’s Insurance

When disaster strikes, it doesn’t differentiate between rented buildings and owned homes. Renters face the same risk as homeowners. Your landlord may have insurance, but it only protects the building structure, not the personal items inside. Renters insurance can protect your belongings in case of disaster.

Businessowner’s (BOP) Policy

Popular for it’s one-stop package approach, a BOP is also designed to provide broader coverage at a better price than most owners would find if purchasing the insurance policies separately. Coverage options can be tailored to specific needs with an enhancement endorsements and flexible payment plans.

Surety Bonds

A surety bond is a written agreement where one party, the surety, obligates itself to a second party, the obligee, to answer for the default of a third party, the principal. There are two categories of surety bonds:

Contract Surety Bonds provide financial security and construction assurance on building and construction projects by assuring the project owner (obligee) that the contractor (principal) will perform the work and pay certain subcontractors, laborers, and material suppliers.
Contract surety bonds include:

  • bid bonds, which provide financial assurance that the bid has been submitted in good faith, and that the contractor intends to enter into the contract at the price bid and provide the required performance and payment bonds.
  • performance bonds, which protect the owner from financial loss should the contractor fail to perform the contract in accordance with its terms and conditions.
  • payment bonds, which guarantee that the contractor will pay certain subcontractors, laborers, and material suppliers associated with the project.
  • maintenance bonds, which normally guarantee against defective workmanship or materials for a specified period.
  • subdivision bonds, which guarantee to a city, county, or state that the principal will finance and construct certain improvements such as street, sidewalks, curbs, gutters, sewer, and drainage systems.

Commercial Surety Bonds - guarantee performance by the principal of the obligation or undertaking described in the bond.

Commercial surety includes:

  • License and permit bonds, which are required by state law or local regulations in order to obtain a license or permit to engage in a particular business, e.g. contractors, motor vehicle dealers, securities dealers Blue Sky bonds, employment agencies, health spas, grain warehouses, liquor, and sales tax;
  • Judicial and probate bonds, also referred to as fiduciary bonds, secure the performance on fiduciaries' duties and compliance with court order, e.g. administrators, executors, guardians, trustees of a will, liquidators, receivers, and masters. Judicial proceedings court bonds include injunction, appeal, indemnity to sheriff, mechanic's lien, attachment, replevin, and admiralty;
  • Public official bonds, which guarantee the performance of duty by a public official, e.g. treasurers, tax collectors, sheriffs, judges, court clerks, and notaries;
  • Federal (non-contract) bonds are those required by the federal government, e.g. Medicare and Medicaid providers, customs, immigrants, excise, and alcoholic beverage; and
  • Miscellaneous bonds, e.g. lost securities, lease, guarantee payment of utility bills, to guarantee employer contributions for Union fringe benefits, and workers compensation for self-insurers;

Crop Insurance

YIELD BASED COVERAGE

Multi-Peril Crop Insurance (MPCI) – provides protection against losses from a number of uncontrollable causes. MPCI is the most popular insurance coverage due to its flexibility in level and price.

Catastrophic (CAT) – Provides the minimum coverage amount on a MPCI policy. For a $100 fee, producers can buy a minimum insurance coverage based on 50% of the producing operation's average yield at 55% of the FCIC established prices.

Group Risk Plan (GRP) – Recommended for farmers whose yield history closely tracks the county or parish history because protection is based on the yield experience of the county rather than their individual farms.

REVENUE INSURANCE PLANS

Crop Revenue Coverage (CRC) – Provides farmers with a revenue guarantee based on their approved yield and current market price. Protects against losses resulting from a decrease in market price, a loss of production or combination of the two. While CRC provides several advantages over traditional crop insurance policies, the real benefit comes when it is incorporated as an integral part of the producer's marketing plan.
CRC can be an effective risk management tool by providing farmers with an established revenue guarantee per acre. Farmers may more proactively market through the growing season when prices are usually higher, knowing that CRC provides the revenue guarantee to cover bushels committed in forward pricing their crop or when using other market options.

Revenue Assurance (RA) – This program was expanded in Crop Year 2001 and is now available on more crops in more states and counties. This policy provides protection against revenue losses resulting from any combination of low market prices or low production yields. RA is available in certain states. Ask your agent about availability in your area.

Income Protection (IP) – The Income Protection (IP) program is designed to insure against reductions in gross income from below average yields and low harvest prices. Since the goal of the program is to protect revenue at the enterprise unit level, the insured unit is based on a county index of all acres of the crop in the county. This program is offered for select crops in a limited number of states.

Indexed Income Protection (IIP) – This pilot program is available for certain states and crops. The pilot program uses a formula that indexes individual yields to county yields to mitigate the distortions of a short yield data base and the disproportionate affect of a low yield on a data base.

Group Risk Income Protection (GRIP) – Similar to GRP, except the focus is on revenue, not yield. It is available in certain states and counties. GRIP is designed as a management tool to insure against widespread loss of revenue from the insured crop in a county. It is primarily intended for use by those producers whose yields are highly correlated with those of the other producers in the county who wish to insure that the combination of the yield and price result in a particular level of revenue.

Adjusted Gross Revenue Insurance (AGR) – This pilot program provides an insurance safety net for producers growing crops without MPCI insurance coverage. Insures all agricultural commodities produced on a farm as well as products purchased for resale.

Contact Cedar Valley Insurance Agency, Inc. at 308-358-0366 or 1-800-935-0366 to receive a free quote, or browse our website for more information regarding our partners or to learn more about us.

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