Services

Please NOTE:

Insurance coverage cannot be bound by email or telephone.  To bind coverage, interested parties must speak with an agent of MIC Group.

Since the insurance company information listed below is basic and general information, the company contracts of insurance should be confirmed with MIC for provision and coverages.

MIC is licensed in the States of: Colorado, Illinois, Iowa, Kansas, Nebraska, Minnesota, Missouri, and South Dakota but may not be licensed in all insurance lines within certain States.   Please contact MIC for the various types of policies available in each state.

Life & Health Insurance
In today's insurance market, the number of life and health insurance products out there is endless. At MIC Group we will help you wade through the sea of possibilities and find products that fit your personal and professional needs. Call us or e-mail us for more details on any of the following types of products:

• Competitive Term Insurance
• Universal Life Insurance & Whole Life Insurance
• Indexed Annuities
• Traditional IRA's
• Roth IRA's
• Juvenile Insurance Plans
• Individual Retirement Plans
• Long-term Care Insurance
• Individual and Group Health Insurance
• Medical Savings Accounts (MSA's)
• Various Group Insurance Options
• Medicare Supplement Insurance
• Disability Income Policies, Group and Individual

Retirement Plans
Planning for retirement through the use of insurance and investment products is not an easy task. There are several excellent insurance companies with endless combinations of policies. It can be very overwhelming! How can you protect your assets and health without becoming "insurance poor"? How much money should you set aside today so that you can comfortably retire tomorrow? Midwest Insurance Corporation is here to help you make the right choices. We apply common sense and practicality to choosing the right insurance and company for your retirement needs. Call us or e-mail us for more details on any of the following types of products:

• Estate Analysis
• Business Succession Analysis
• Farm Succession Analysis
• Long-term Care Insurance
• Medicare Supplement Insurance
• Pension and Retirement Income Analysis
• Immediate Annuities, Deferred Annuities & Indexed Annuities
• IRA's and Roth IRA's

 
Personal Automobile & Homeowners Insurance
Auto Insurance
Quality auto insurance doesn't need to be expensive, but it needs to provide complete protection for you and your family. At MIC Group we believe your first step in choosing auto insurance is to determine what you need in order to provide the best protection from losses you cannot afford. With today's litigate society, you should be more aware of the potential loss associated with a suit against you or your family. Does your policy protect you? As an independent insurance agency, we represent many different companies and will match your needs with quality coverage and service at a competitive premium. Call us to arrange a free policy review with an experienced professional agent!

Homeowners and Renters Insurance
Whatever you call home - an apartment, a condominium or a house of any age or size- it is your shelter, your retreat. Often, it's your most valuable asset. If the unexpected happens, you will expect your homeowners or renters insurance to help you and your family get back on your feet. At MIC Group we have helped people like you through the worst of claims. We know what additional coverages make all the difference when a family is trying to rebuild their security after a loss. We can show you the real difference in a homeowners or renters insurance program. Call us to arrange a free policy review with an experienced professional agent!

Personal Liability Umbrella Policies
How much can you lose through a liability suit? Is basic liability insurance enough? The average size of a liability suit has increased dramatically. The cost of an additional personal liability umbrella policy is very reasonable. When part of a complete package of auto and homeowners coverage, the umbrella provides an excellent way to provide that extra peace of mind and protection you need. Call us for more details!

Special Coverages
We also can provide protection for several additional exposures including:

• In-home businesses
• Recreational vehicles
• Boats
• Motorcycles
• Snowmobiles
• Vacation home
• Rental property
• Computers
• Jewelry
• Antiques
• Flood
• Earthquake

Agricultural Risk Management
You might ask what MIC Group can do for you that your current agent can't or isn't doing. Does your current agent specialize in tailoring insurance for farm and ag related business? Our full time ag staff consists of experts who have first hand farm experience. We will listen and work with you to find the right coverages to fit your specific insurance needs. We make it our business to understand your business and keep you informed of the constant changes in agriculture that affect your insurance needs.

Our services consist of:

• Offering crop hail rates for several companies, allowing us to shop the markets to provide you with the most competitive crop hail rates for your farm.

• Providing Multi-peril Crop Insurance, Crop Revenue Coverage, Revenue Assurance, and other optional crop insurance programs. We can provide a complete explanation of all of the Federal Crop Insurance options that are available and assist you in making an informed decision as to which program will work best for your farming operation.

• Offering a wide choice of property and liability companies to provide a farm package policy for your farm, auto, and umbrella liability and property exposures. We are an Independent Agent representing many farm insurance companies. We don't work for any one insurance company, we work for you!

• Offering expertise to provide coverage for life, accident, health, estate planning, farm succession planning and long term care.

• Specialized Program for Farm Management Companies, covering all managed properties under one policy with individual farm billings.

AAEA/NABE Program
PROFESSIONAL LIABILITY INSURANCE FOR AAEA and NABE MEMBERS
Professional errors and omissions coverage insures against damages from your acts, errors or omissions in rendering professional services. You may be sued for the failure to perform your professional services to the degree of skill expected. Even if the allegations are false you still have to defend yourself and your reputation. The cost of defense alone may be several thousands of dollars. A special nationwide errors and omissions program has been designed for members of the AAEA and the NABE that are in good standing.

• Policy Form:   Claims-Made
• Policy Limits:   From $100,000 each claim, $300,000 annual aggregate to $1,000,000 each claim, $1,000,000 annual aggregate (higher limits may be available upon special request).
• Deductibles:   From $5,000 on up.
• Special Features:   Comprehensive coverage & competitive rates.
• Insurance Companies Offering Coverage:  Lloyds, London, Commercial Underwriters Insurance Co. and others for special needs.

Underwriting Agency:
Davidson/Babcock
10875 Benson Drive, Suite 110
Overland Park, KS 66210
Phone: 1-913-469-1188
Facsimile: 1-913-469-1177

For program or quotation information contact Todd Egeland or Rick Hugdahl at:

MIC Group
NEVADA CORPORATE OFFICE
PHONE:  1-515-382-3541
WATTS:  1-800-729-4341
FAX: 1-515-382-3844

MIC Group coordinates the quotation and application process. Depending upon the state and the nature of your activities, you will be directed to mail or fax your application and supporting information to the properly licensed agency.

ASFMRA PROGRAMS
ERRORS AND OMISSIONS INSURANCE
You may be sued for failure to perform your professional services to the degree of skill expected. A professional errors and omissions policy insures you against damages from your acts, errors or omissions in rendering professional services. You need a policy that insures you for all of your declared services. Even if the allegations are false you may still have to defend yourself and your reputation.

Defense costs can add up to several thousands of dollars and are also covered by the policy. The company contracts attorneys that is skilled in defending these types of specialty claims.

Program Specifics:

• Policy Form:  Claims-Made
• Retroactive Dates Available
• Policy Limits:  From $100,000 per Claim to $1,000,000 per claim with varying annual aggregates
• Deductibles:  From $5,000 on up
• Insurance Companies Offering Coverage:   Lloyd's London and Commercial Underwriters
• Competitive Rates
• Underwritten and agent assignment through Davidson/Babcock, 10875 Benson Dr., Suite 110, Overland Park, KS 66210

AGRIBUSINESS MASTER FARM INSURANCE PROGRAM
A master insurance policy is one policy written for your farm management firm that offers property and liability protection for all the farms that you manage. Instead of writing separate policies for each individual farm, each farm entity is added as an additional named insured to the master contract. In this manner, all farms have consistency of coverage in the key areas of concern with flexible options to customize coverage for the special needs of your clients. And, the premiums are very competitive!!

SPECIFICS ABOUT THE PROGRAM

Property Coverage

Special Perils
Replacement Valuation
Buildings and Contents
Blanket Farm Personal Property
Blanket Grain, Seed & Chemicals
Deductibles of $250, $500 or $1,000
Liability Coverage
$1,000,000/Occurrence/Premises $2,000,000 General Aggregate
$10,000 Med Pay per Person
$25,000 Med Pay per Accident
$100,000 Fire Legal Liability
$25,000 Chemical Drift Aggregate
$500 Damage to Property of Others
$10,000 Annual Aggregate on Premises Pollution Cleanup
The program is underwritten through American Reliable Insurance Company, rated A- by A.M. Best Company. MIC generates all declaration pages and invoices. The program is only available in states in which MIC Group is licensed.

Click here for the MASTER FARM QUESTIONNAIRE to get specific information for your firm.

Please direct any questions to:

MIC Group
NEVADA CORPORATE OFFICE
PHONE: 1-515-382-3541
WATTS: 1-800-729-4341
FAX: 1-515-382-3844

Ask for Todd Egeland or Rick Hugdahl for information on the Errors and Omissions program. Ask for Brooks Lofstedt for information on the Master Farm program.

Commercial Insurance
Owning a business in today's world requires a smart, efficient team working together to bring all the pieces together. At MIC Group we want you to think of us as a partner in your business in charge of risk management. The independent insurance agency is uniquely qualified to gather the types of policies your business needs and package them together for you. Call us today to arrange for a free policy review with an experienced professional agent!

• Workers Compensation
• Commercial Package
• Businessowners
• Commercial Umbrella
• Inland Marine
• Fidelity & Surety Bonds
• Liquor Liability
• Medical Malpractice
• Professional Errors & Omissions
• Directors & Officers Liability
• Special Risk Coverage
• Aviation Insurance
• Garage and Garagekeepers Insurance
• Bailee Coverage
• Boiler & Machinery Coverage
• Crime Coverage