Providing Solutions Beyond Insurance

Mid America Insurance is now a division of Ledgestone. Together, we are solving risk management, one client at a time.

Learn About Mid America Insurance

Since our founding in 1983, we have redefined the shape of risk management as the premier firm in Central Illinois. With three offices across the state, we work hard for our clients, taking a holistic approach to examining their business from leadership to HR, and everything in between, helping to provide coverage at all stages of their business.

Ledgestone Insite

Insite rethinks the way professional services are designed and delivered by leveraging the unique strengths of human and digital agents in a collaborative fashion to deliver maximum value at affordable prices.

Insite is a proprietary tool created by Ledgestone to quantify culture and employee engagement. Through a collaborative approach we will gather information through our proprietary survey and leverage that data to pinpoint the areas our clients can leverage for the greatest impact in strengthening their culture and employee engagement.

Occupational Health + Safety Services

ExergyPro provides Safety services to the construction and general industry in Illinois and Wisconsin with our team of board-certified safety experts. We build a culture of safety through inspections, training, written programs, and much more. Our boots-on-the-ground proactive approach allows us to address issues in real time and helps eliminate safety issues and accidents before they occur.

More Solutions For Your Needs

Mid America Insurance offers a variety of business insurance, employee benefits, and personal insurance solutions to help you protect what matters most.

Insurance by Industry

Employee Benefits

Business Insurance

Personal Insurance

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Business Insurance

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We are a Different Kind of Agency

Here’s what sets Mid America Insurance apart from the rest.

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

We are by your side every step of the way.

We are licensed insurance advisors.

What happens if a board member invests the non-profit's assets unwisely and loses everything? A creditor might sue the non-profit as well as its directors and officers. Non-profit organizations are not immune to lawsuits. It’s possible someone may disagree with the way you run the organization and file suit. Oftentimes, non-profits don't have deep pockets to fight these types of lawsuits, therefore putting the organization at risk.

Directors and officers liability insurance protects your directors, officers, trustees, employees, volunteers, and the entity from any act or alleged act, error, omission, misstatement, misleading statement, or breach of duty.

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These can all be accidents waiting to happen that make your non-profit susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.

General liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your organization.

Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

On average, it's estimated that three out of five businesses will be sued by their employees. Claims can stem from just about anything, such as someone taking a joke the wrong way and being offended. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment-related allegations.

What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as a data breach or cyber attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Lawsuits can happen to anyone, and the damages can be hefty whether you win or lose. Even if you’ve done nothing wrong, you’ll need to defend yourself. So regardless of whether a contract requires it, without professional liability coverage, you could be putting your business’ future at risk.

Similar to directors and officers liability insurance, professional liability coverage protects against liabilities resulting from mismanagement of the organization, as well as workplace-related claims such as discrimination or sexual harassment. It covers not only directors and officers, but also staff, volunteers, and the non-profit organization itself.

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Solutions Beyond Insurance Since 1983

Mid America Insurance serves its clients and community as a professional risk management agency with integrity and excellence. In 2020, we became a division of Ledgestone, expanding our capabilities into occupational health, safety, and organizational health.

We are licensed in Illinois.

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