When it comes to cutting calories from your diet, there are plenty of easy and practical ways to do so. Here are a few from us at Taake Insurance Agency to help get you started here in the Columbia, IL area: 

1. Eat more fruits and vegetables- Fruits and vegetables are naturally low in calories and can be a great way to fill up without overloading calories. Make sure to aim for at least five servings per day! 

2. Skip sugary drinks- Sugary beverages like soda, energy drinks, and juices can add lots of extra empty calories to your day. Opt for water or unsweetened teas instead. 

3. Limit processed foods- Processed foods tend to be higher in calories than whole foods, so try to opt for these healthier options as much as possible. 

4. Watch your portion sizes- It’s important to remember that even healthy food can have too many calories if you overeat! Try using smaller plates when eating to make sure you’re not overeating. 

5. Don’t skip meals or snacks- Skipping meals or snacks forces your body into starvation mode, which can cause you to gain weight instead of lose it! Ensure you’re eating regularly throughout the day to stay full and energized while still managing your calorie intake. 

By following these simple tips, you will be well on your way toward cutting calories from your diet efficiently and sustainably! For more health tips, call us at Taake Insurance Agency today. We proudly serve the Columbia, IL area and want to help you lead a healthy life.

For small business owners, commercial insurance protects their business and its assets. Whether it’s liability coverage or property insurance, having the correct type of Insurance can make all the difference in protecting what you’ve worked so hard to build.

What Is Commercial Insurance?

Commercial insurance is an insurance policy specifically designed to protect businesses from financial losses due to damage or destruction of property, injuries on company property, legal claims against the company, or lost income due to unforeseen circumstances. The right kind of coverage can provide peace of mind for business owners and employees alike, knowing that their hard work and investments are protected in case of an unfortunate incident.

Types Of Commercial Coverage Available

At Taake Insurance Agency, we offer various commercial insurance policies tailored specifically for small businesses in Columbia, IL.

• Property & Liability Insurance– This covers damages caused to your building and liability coverage for third-party injuries sustained on your business premises. This also includes coverage for any lost income due to power outages or other mishaps beyond your control.
• Business Interruption Insurance – If a natural disaster or other catastrophic event causes you to lose revenue, this policy helps cover those costs, so you’re not left high and dry when needed most.
• Product & Professional Liability – If a product fails to perform up to the standards expected in the industry, this policy protects against any litigation costs associated with such an occurrence. Additionally, professional liability covers any mistakes made while providing services if they lead to financial losses on behalf of the client.

No two businesses are exactly alike – each has its own set of individual needs based on factors like size and scope of operations, along with industry requirements that must be met for a company to survive and thrive in today’s competitive marketplace.

Contact Taake Insurance Agency to learn more!

You may hear many different types of health insurance plans thrown around, so how do you know which one is the best for you to choose? Contact Taake Insurance Agency, serving Columbia, IL, for help as you navigate.

What is an “HMO?”

HMO stands for “Health Maintenance Organization.” The goal of an HMO is to focus on keeping individuals healthy and introducing structure to outpatient care. Your main point of contact for your care will be a primary care physician or PCP. If you need specialty care, your PCP will refer you to a specialist within the care network for further treatment. A referral is required to schedule.

What does in-network mean? HMOs function as part of a provider network of affiliated organizations. This helps HMOs keep costs lower, and HMOs typically offer the lowest out-of-pocket costs as a result.

HMOs generally do not pay for out-of-network care except in the case of emergencies.

What is a “POS?”

POS stands for “Point of Service.” Like an HMO, a POS will manage care through your PCP. Unlike an HMO, you will not need your physician’s permission to visit other doctors in or out-of-network.

In this model, the average costs are higher out-of-pocket than for an HMO. Receiving care out-of-network will cost more out-of-pocket.

What is a “PPO?”

PPO stands for “Participating Provider Option.” A PPO generally offers the most flexibility but at a higher out-of-pocket cost. With a PPO, you will not need to choose a regular doctor or get referrals to receive specialty care. If you need or choose to go out-of-network, a PPO will pay a portion of out-of-network costs.

Contact Taake Insurance Agency, serving Columbia, IL, for your questions and to get a quote.

We live unpredictable life. Today, you might be okay, but tomorrow you may suddenly be involved in an accident or fall ill. Given the erratic nature of life, you need to protect those you love with life insurance. But if I am single, do I need life insurance? It depends. Taake Insurance Agency of Columbia, IL looks at instances where a single person may need life insurance.

If you have a debt

Do you have a mortgage, car, or student loan? You should invest in life insurance to care for your debts when you die. Otherwise, you may leave the burden to your cosigners and loved ones.

If you have dependents

You may be single, but that doesn’t mean you don’t have dependents. If you support your siblings or parents financially, investing in life insurance would be a good idea to ensure they aren’t financially crippled when you die.

You plan to start a family.

Today you may be single, but you have plans to get married and have children. It’s a good idea to invest in life insurance now; when you are young and healthy — you may enjoy affordable premiums.

If you have a life insurance policy today, all you need is to update your policy when you get married or have children.

You own a business

When you have business partners, it can be challenging for them to cope in your absence. Life insurance buys them time as they think about the next move. Besides, life insurance proceeds can help settle debts if you have business loans.

Do you still need more information about life insurance in Columbia, IL? Please talk to Taake Insurance Agency. We may not have all the answers — just the life insurance ones.

You probably already have your plate full if you are a small business owner. However, you still need to ensure you have enough coverage to protect yourself and your business. Taake Insurance Agency in Columbia, IL offers commercial insurance, including property and liability risks. You may be able to bundle products to save money, depending on the coverage you need.

While certain businesses must have workers’ compensation, Illinois does not require general liability and other business policies. However, there are at least five reasons it makes sense to get it.

1) Protects Your Physical Location

If you own a commercial building, you’ll want to protect it in case of vandalism or fire. Work with your agent to find the property coverage you need.

2) Covers Business Equipment

Many businesses invest a significant percentage of their budget in equipment. Whether you have expensive refrigeration units or equipment needed to complete work orders, repairs and replacement costs can derail your entire year. Therefore, you may want to add equipment coverage to your policy. Remember that business insurance typically doesn’t cover regular wear and tear on equipment.

3. Handles Non-employee Injuries on Your Premises

If you or an employee slips and falls on the job, you’ll have to rely on workers’ compensation to cover the claim. However, if a customer, client, or guest falls on a slippery floor, your commercial insurance will probably handle the medical and legal expenses. Talk to your agent to ensure you have sufficient liability protection in place.

4. Covers Injuries in Case of Business Product Defects

Whether you sell food, kitchen gadgets, or cars, product liability insurance baked into your commercial policy can protect you in case of product-related injuries. Gadgets and gizmos are great, but there’s always a chance someone could cut their finger on a sharp edge or get sick after eating at your restaurant. With the right insurance, you won’t have to worry about footing medical bills and damages out of pocket.

5. Guards Against Business Interruptions

Business interruption insurance can keep you afloat if you have to shut down due to unforeseen circumstances. Covered events might include natural disasters or fires. To purchase business interruption insurance, you must first have a commercial insurance policy.

Contact Taake Insurance Agency in Columbia, IL for more information on commercial insurance.