At Midwest Heritage, the well-being of our customers and communities is always a priority. Click here to learn more about our updated branch hours and branch closings.

Commercial Insurance

At Midwest Heritage we understand that each business is as unique as its owner. Owning a business requires passion and a tremendous amount of work. With so many moving parts, it is important to have partners you can trust and depend on.  Protecting your business in our litigious society can be complicated, we’ll take the time to understand your business and help you determine the appropriate protection. Our account executives have knowledge of a wide range of industries and their related risks and exposures.  These include:

  • Construction
  • Hospitality
  • Manufacturing
  • Retail
  • Service
  • Non Profit
  • Food manufacturing
  • Food processing
  • Food distribution
  • Refined fuel and convention stores
  • Lawn and landscaping

Auto & Fleet

Whether you are making trips across the country or across town, having the appropriate coverage can keep operations moving forward when accidents happen.  It’s important to make sure your vehicles, employees, and products are protected. 

We’ll create a customized policy to include:

  • Comprehensive
  • Medical payments
  • Uninsured and underinsured motorist coverage
  • Personal injury protection 
  • Bodily injury liability
  • Collision coverage


Acquiring the bonds you need.

When managing your risk requires a bond, our team will guide you through the process to ensure your business is protected.  Your Midwest Heritage Account Executive will work efficiently to ensure projects can move forward in a timely manner. We can provide bonds for a variety of circumstances, including:

  • Contractor’s bonds
  • Payment bonds
  • Bid bonds
  • Performance bonds
  • Surety bonds
  • Fidelity bonds


From your signage and physical building to the contents inside, property insurance protects your business property from fire, natural disasters, vandalism, and other hazards. Our team will spend time assessing the coverage you will need to replace or repair loss or damage to your property in such an event.  Your commercial property insurance may include the following coverage:

  • Real estate property
  • Business personal property
  • Business interruption
  • Equipment breakdown
  • Mobile equipment
  • Cargo
  • Stock

Professional Liability

Professional liability insurance can be one of the most critical and complicated coverages for business owners. In an ever-changing legal environment it can be difficult for business owners to stay current with regulations. Professional liability insurance safeguards your business from financial loss due to a lawsuit in the following situations:

  • Errors and omissions (E&O)
  • Professional negligence
  • Hiring and employment practices
  • Business communications
  • Administration of employee benefits programs

Worker's Compensation

Businesses with employees are required to have worker’s compensation insurance for the protection of their businesses and their employees.  Worker’s compensation safeguards your business from the associated expenses that result from work-related injuries. It also protects you from lawsuits that might result from such an event. 

Worker’s Compensation policies may cover:

  • Medical expenses
  • Legal fees
  • Replacement wages
  • Death benefit
  • Vocational rehabilitation

Commercial Umbrella

A commercial umbrella policy from Midwest Heritage provides an extra layer of security when a lawsuit exceeds your primary liability coverage.  Defending your business against lawsuits can be expensive and an umbrella policy fills in the gap, so you don’t have to use business profits. Our team can help you determine the right amount of coverage for your business.

Business Continuation Plans

What would happen to the daily operation of your business if a key principal or employee passed away or was disabled and unable to work? Business Continuation Plans are established with a combination of written agreements and insurance coverage to offset the cost associated with the loss of a key employee/owner.

Policies may be used in the following ways

  • Recruit and train new employees
  • Provide a settlement to heirs
  • Stock purchase 
  • Provide assets 

Inland Marine

Are your off-site assets protected? Inland Marie covers items outside your standard property insurance. This additional layer of protection keeps your equipment and other assets protected when they are off-site. It can also extend to cover product and equipment when transported by sea or air. 

Directors & Officers Liability

The leaders of your business are vulnerable to a variety of exposures like securities litigation, regulatory actions, allegations of misrepresentation, and other breaches of fiduciary duties. Directors and officer claims have become increasingly more common, often times putting their personal assets at risk. This has caused many executives to require more complex protection provided by a Directors and Officers Liability policy. 

Cyber Liability

Businesses both large and small utilize technology to conduct their daily activities. New threats emerge every day and it is important to keep employee and customer data safe. 

We’ve all heard of large corporations experiencing data breaches; however the reality is that businesses of all sizes are at risk. A broad cyber liability policy can help protect your business from the financial effects of a breach. It can help cover the following:

  • Defense and liability expenses
  • Expenses related to customer notification
  • Public relations
  • Cyber extortion threats

Products offered by Midwest Heritage Insurance Services are not insured by the FDIC or any other Federal Government Agency, are not a deposit or obligation of, or guaranteed by Midwest Heritage, may involve investment risks, including possible loss of principal amount invested, and may lose value.