Services at Krull Agency
We are a full-service insurance independent agency that offers top-notch carriers, claims service & experience. Risk management to help your business further succeed & go beyond your great expectations.
BUSINESS INTERRUPTION INSURANCE TALK
These plans protect your business assets when the business is sued for something the business did (or failed to do) that contributed to injury or property damage to someone else.
Liability coverage extends not only to paying damages but also to the attorneys’ fees and other costs involved in defending against the lawsuit, whether valid or not. The standard business owners policy provides liability coverage, as does a separate policy known as a commercial general liability (CGL) insurance policy.
Generally, commercial liability insurance, whether purchased in a separate policy, or as part of a standard business owners policy, will cover bodily injury, property damage, including loss of use.
Personal Injury and Advertising injury:
Property insurance is also provided to protect your real and business personal property. We find the right coverage to protect your property and show the additional coverage’s that are available to you.
Along with Liability and Property, we provide many additional plans that protect you as an owner, officers, members employees, and spouses.
Farm and Crop Insurance
Revenue Protection (RP) – We at Krull Agency offer Revenue Protection (RP) as well as a host of other MPCI Products. Revenue Protection stands to be our most popular. It is that simple, it ensures against revenue loss in the event of a decrease in yield and/or Price. The final revenue guarantee is based on the higher of the projected price or harvest price.
Crop Hail – Here at Krull Agency we can sit down and determine what is the right level of coverage for your crops. We understand that there is no one farm operation the same. We will find the best coverage for your crops that makes sense.
Pivot Protection – We can offer you a plan to protect one of the most valuable resources on your farm – your pivots. These plans offer replacement costs loss settlements – no depreciation partial loss – full payment on total loss up to the policy amount of coverage scheduled. There is no age restriction on the age of the pivots for this protection.
Why Krull Agency for your farm?
- Years of experience in Crop insurance as well as Production Agriculture and Agri-Business.
- We work together with You and are in the field in the event of a crop hail loss. Making sure everyone agrees is very important!
- We will come to you. No inconvenient trips for you to drive to our office. We will drive to your office, whether it’s your pickup or tractor!
- We are Local. We are in your community. See you at the Game Friday night!
Next Time you see us, ask what we can do to ensure you are more profitable!
They say life is a journey. Where are you? It is not about age, or how much money you have. It’s about doing the best you can with what you have to ensure a better life for you and your family.
You want to do the right thing, the responsible thing. Like making sure your family has good health care. That the kids get a good education. That they’ll have a nice wedding day when they’ll start their own families. You want to be certain that you and your spouse will enjoy your retirement years. Or, that if you, unfortunately, die before all of this unfolds, your loved ones could carry on financially without you.
As you probably know, there are a lot of financial products out there that can provide you with protection and savings. But how do you pick the right ones for you? The Krull Agency staff can help you evaluate what’s needed for a solid financial future, build or revise your plan, so you can live life confident that things will work out for the best. Remember it is Your life. Your family. Your journey. Make every day count.
Life and Health Insurance
While it’s difficult to face our own mortality, planning for it can ease the burden our loved ones will face later. Purchasing life insurance can help make a difficult situation easier by providing death benefits for:
- Unpaid medical bills
- Income replacement for survivors
- Final expenses like burial costs
- Unplanned or emergency expenses
- Your mortgage balance
- Future education funds for your children
Life insurance is an essential part of financial planning. One reason most people buy life insurance is to replace income that would be lost with the death of a wage earner. The cash provided by life insurance also can help ensure that your dependents are not burdened with significant debt when you die. Life insurance proceeds could mean your dependents will not have to sell assets to pay outstanding bills or taxes. An important feature of life insurance is that no income tax is payable on proceeds paid to beneficiaries.
It’s where you live and where your possessions are. Chances are, it’s your greatest asset. But more than possessions and assets, it’s your home…and you need to protect it.
Property Insurance helps provide peace of mind when:
- Bad things happen like theft, fire, burglary, and vandalism.
- You need to replace, repair or rebuild.
- Your lender requires it.
You have special items such as jewelry, silverware, business property, cameras. Whether you rent or own your home, you’ve got a wide range of property insurance products and coverages to choose from. Protect your assets, possessions, home and your family. Understand what coverages are right for you and what discounts and savings may be available.
Two of the biggest challenges employers face today are attracting qualified employees and shouldering the cost of employee benefits. We make sure that we have every option and tool available to our employer clients so that they can offer the best benefits program at the lowest possible cost.
At Krull Agency, we have agents who specialize in employee benefits and offer several lines of employer group coverage:
There are more options for employer-sponsored health insurance than people realize. Whether it’s fully-insured, level-funded, self-funded, Health Savings Account (HSA) or Health Reimbursement Arrangements (HRA) we can help you find the plan and support tools that work best for your business or organization. We also help educate employees about their benefit options and the prudent use of the health care system. When employees approach Medicare eligibility, we are there to help educate and transition them to the Medicare system.
- Short-Term Disability
- Long-Term Disability
- Medicare Supplements/Part D
- And many other great options your employees will appreciate.
Let us help you make your business or organization an even better place to work!
Our Employer Benefit Specialists:
At Krull Agency, our goal is to help educate our clients and community on what Medicare covers and help identify potential gaps in coverage. We analyze each individual’s health and financial needs to determine the most appropriate Medicare coverage.
We offer no pressure personalized assistance to help get you in the right Medicare Supplement, Medicare Advantage Plan, Medicare Cost Plan, and/or Prescription Drug plan. We are licensed and certified to ensure the highest level of compliance and ethics for all individuals we assist.
Many of these new plans offer additional benefits such as Dental, Vision, and Hearing coverage at no cost to you.
As an independent Agency, we are able to access most major companies. We pride ourselves on superior product availability and knowledge to allow for the most comprehensive options and information.
Your healthcare is imperative to ensuring your health and financial viability through your retirement years. Let us help you.
If you are new to Medicare or would like to review your coverage and see what’s new, we are here to help.
Experience the Krull Agency Difference
The Krull Agency Staff go the extra mile to learn all the products that will suit you and your insurance needs to a tee. Our combined experience, expertise and risk management, as well as well trained staff, are there to serve you, at every corner for you and your ever growing family, farm or business.