Heartland Insurance
Insurance Services
 Courtney Wagner is the newest addition to the Heartland team, joining as the Insurance Services Consultant for Heartland Insurance in 2011. Courtney has been in the Insurance Industry since 2008 as a licensed property and casualty agent, during which time she was a Professional Insurance Agents Association National Young Insurance Professional of the Year nominee. Courtney is a graduate of Otterbein College with a degree in Business Administration and is an active alumnus of the college, serving on the Theta Nu alumni board and as an advisor to a campus organization. Outside of the office Courtney serves as a board member on the Westerville Education Foundation, is the co-chair of the Professional Insurance Agents Association of Ohio’s internship committee and enjoys baking, playing sports and traveling. |
BUSINESS INSURANCE:
Guarding against losses demands more than just the purchase of commercial coverage. It is the clients’ needs that require attention to unique design and administration of risk management programs. To manage risks effectively, through Heartland Insurance, we collect data, analyze exposures, suggest loss funding techniques, recommend levels of risk transfer, and assist the client in the personal attention needed to select the most cost-effective approach.
The steps we perform in the analysis are:
- Policy and coverage review
- Financial review
- Claims/cost risk analysis
- Legal contract and lease review
- Assessment of current in-house programs, such as safety manual, and risk transfer procedures
Commercial policy areas of coverage:
- Property
- Automobile
- Inland Marine
- Workers’ Compensation
- General Liability
- Umbrella
- Contract Surety
- Professional Liability
- Directors & Officers Liability
- Employment Practices Liability
- Technology Errors & Omissions
- Public Official Liability
- Excess & Surplus Markets
- Foreign Liability
- Fiduciary Liability
AUTO INSURANCE:
To properly protect yourself from the always present danger of huge awards for auto liability, it is imperative that you maintain the proper level of coverage for your particular situation.
If you have any doubts about the appropriate level of automobile coverage that's right for you, we have excellent plans available through reputable auto insurers, and we will be happy to help pinpoint the coverages best suited to your needs.
Compulsory Auto Policy Coverage
- Bodily Injury to Others
- Personal Injury Protection
- Bodily Injury Caused by Uninsured Auto
- Damage to Someone Else's Property
Optional Coverage Options
- Optional Bodily Injury to Others
- Medical Payments
- Collision
- Comprehensive
- Substitute Transportation
- Towing and Labor
- Bodily Injury Caused by an Underinsured Auto
HOME OWNERS INSURANCE:
To most, the biggest investment ever made is in their home. That’s why it makes sense to protect the sizable financial investment you’ve made in your own home with a comprehensive homeowners plan.
Your home purchase is an investment deserving the protection that only an experienced insurance professional can provide.
Basic Protection You Need For
- Your Home
- Other Buildings or Structures on Your Property
- Your Personal Belongings - Furniture, Clothing, Appliances, etc.
- Additional Living Expenses
- Your Personal Legal Liability
Special features you can choose for additional security
- Home Replacement Guarantee
- Replacement Cost on Contents
- Additional Coverage Form
EMPLOYEE BENEFITS:
Heartland Insurance provides benefits coverage strategies tailored to fit your objectives. Our representatives will work with you to evaluate your current plan design and suggest options for:
- Managed Health Care
- Flexible Benefits
- Alternative Carriers
- Alternative Funding
- Executive Benefits
- Supplemental Benefits
- Life Insurance
LIFE INSURANCE:
Not only can life insurance benefit your family in the event of your death, but it can also benefit you as an investment. Your life insurance can provide benefits to your children, emergency loans to you while you are still alive, and some other benefits as well. The most well known feature of a life insurance contract is the designation of a beneficiary. In the event of your death, benefits can be distributed to one or more beneficiaries of your choosing. The more popular forms of life insurance are:
Whole Life Insurance - Provides Complete Protection
- Fixed premiums that offer stability
- Tax-deferred cash value that will grow
- Guaranteed death benefit payout
- Ability to borrow against cash value
- Coverage for your entire life if kept current
Term Life Insurance - Offers Affordable Coverage
- Least expensive form of life insurance
- Easy to understand and manage policy
- Complete coverage at a great low rate
- Guaranteed death benefit for current plans
- Flexible term lengths
Universal Life - The Flexible Payment Option
- Adjustable premiums for maximum flexibility
- Guaranteed interest rate
- Annually adjustable death benefit
- Guaranteed monthly income option for beneficiaries
- Policy can be maintained indefinitely
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