812-425-1030

Coverage for All Situations

As an independent agency, we have unique access to competitive and comprehensive insurance providers. For commercial, health, dental, vision, life, disability, and personal insurance, we help you find the coverage you need for all areas of your life. Contact us today, and we can assist you in finding the insurance plan that works best for you.

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Health Insurance

Health insurance is an agreement between an employer and employee and a health care provider that provides a monetary benefit for certain medical procedures or services. This benefit can come in many forms, including direct payments from the insurer to providers, discounts on services, guaranteed issue coverage and more.

The professionals at Freeman, Will & Niemeier Inc. have access to many health insurance carriers and can help match you with the one that best fits your needs and budget. From vision, dental, and disability to individual and group coverage, we can define the best policy for you.

Common Health Insurance Policies

Group Health Insurance

Group health insurance is a type of health insurance that provides coverage for employees and their families. It’s typically more affordable than individual health insurance because everyone in the group gets a discount. Group health insurance also offers many of the same kinds of benefits as individual plans, including prescription drug coverage and preventive care.

Individual Health Insurance

Individual health insurance is insurance you purchase to cover your medical expenses individually. It’s not the same as group insurance through an employer, for example, and can be useful for people who have no access to group plans or need more comprehensive coverage than what’s offered through work.

Learn More About Employee Benefits

Life Insurance

Would your family be able to keep their heads above water if you were no longer around? Would your spouse be able to pay for all of life’s expenses, such as groceries, the mortgage, car payments, and gas, and save for daycare, college, retirement, and all other bills without you? Whether your family depends on your income or not, life insurance is imperative to have.

We understand it can feel uncomfortable to think about, but your family will be thankful you established a life insurance policy if you pass away. At Freeman, Will & Niemeier Inc., our agents will take the time to discuss your options. With access to some of the industry’s most competitive and financially stable life insurance companies, you can pick a policy that provides appropriate coverage and is within your budget.

Common Life Insurance Policies

Term Life

Term life insurance covers you for a specific period of time. If you die during that time, your beneficiaries receive a payout for the amount of coverage you purchased. It’s beneficial when you’re between jobs or need to cover mortgage payments while unemployed.

Universal Life

Universal life insurance is an investment-based life insurance plan. It provides the ability to invest in various mutual funds and other financial instruments. A universal life policyholder can choose how much of their premium goes towards the cost of insurance and how much is invested in the fund.

Key Person Policies

Key person policies are insurance policies that protect a company against the loss of key employees. These policies typically cover the costs associated with finding, hiring and training a replacement for an employee who leaves their job and lost revenues.

Whole Life

Whole life insurance policies are designed to be held by individuals for the remainder of their lives or until they no longer need coverage. Whole life insurance is also known as “permanent” or “normal” life insurance because it is intended to be in force for as long as possible.

Buy-Sell Agreements

Buy-sell agreements are a form of insurance that protects against the loss of your business. They’re often used when there is a large amount of equity built up by the founders, and they can include a number of different provisions.

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Commercial Insurance

We treat every business we interact with as its own entity because no two businesses are alike. Each business requires different coverages with different limits. We are committed to providing what’s best for you and ensuring you receive the best coverage and price.

Commercial Policy Options to Consider

Commercial Auto

Provides coverage for your business-owned vehicles and protects you from liability suits while operating any of these vehicles.

Commercial General Liability

Coverage for lawsuits and other unintentional acts you could be liable for.

Umbrella

Umbrella coverage offers an extra layer over your other underlying policies. It’s important when the limits on your other policies have been exceeded.

Cyber Liability

Cyber liability is often overlooked but very important as it protects your business in case of a data breach. Coverage pays for any liability issue that arises from the data breach and notifies and monitors affected individuals.

Commercial Property

Protects your business’ property and its buildings. Coverage may range from “all risk” to “named perils.” We will work with you to design a policy that fits your needs.

Workers’ Compensation

Protects you and your employees when injuries are sustained while at the workplace. Workers’ compensation offers coverage for injuries and any liability issues you might have.

Employment Practices Liability

This covers issues such as wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations.

Professional Liability (Errors & Omissions)

Provides defense and damages coverage against claims as a result of providing professional advice or service.

Personal Insurance

We work hard to provide you with a competitive policy to cover what you have worked hard for. The options for personal coverage are endless. Let your agent know what you need to be covered, and we will help to create a policy that provides the best coverage at the most cost-effective price.

Common Personal Coverage Policies

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Homeowners

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Condos

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Renters

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Automobiles including high-performance vehicles and antiques

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Motorcycles

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Boats of all makes and models

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Recreational vehicles

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Aircraft

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Flood

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Umbrella

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Special events including weddings, hayrides, parties, etc.

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Jewelry

Contact Us at 812-425-1030 with any questions and to get a free quote.

Contact Us

Freeman, Will & Niemeier Inc.

Monday – Friday: 8:00 AM to 5:00 PM
Saturday – Sunday: Closed

Get Directions

1919 West Franklin St.
Evansville, IN 47712

Phone: 812-425-1030
Fax: 812-421-4115

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