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You have worked your whole life building what you have.

Let us protect it for you.

Risk management and insurance solutions to protect your todays and secure your tomorrows.

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Mid America Insurance

Learn more about our agency.

Mid America Insurance is an independent insurance agency with two locations in Normal, IL, and Pontiac, IL. Since 1983, we have focused on managing your current risks to secure a brighter future. We want to help protect your business and your employees, and even your personal assets so that you can feel prepared for the planned and the unexpected.

Our knowledgeable staff, with more than 200 years of combined experience, take the time to understand your business so we can focus on increasing safety within your organization. We help you find customized insurance solutions to manage your risk factors, all while providing you competitive pricing and unparalleled customer service. You have worked your whole life building what you have. Let us protect it for you!

Office Locations
Normal, IL
Pontiac, IL
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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

We represent multiple insurance companies.

We are licensed insurance advisors.

We are by your side every step of the way.

We offer a wide variety of insurance solutions.

We are there for you in your time of need.

Risk Management

Risk management goes beyond insurance in that it’s about planning for and mitigating potential business risks, aside from a policy that pays out when suffering a loss. The two work hand-in-hand together, but it’s important to understand that risk management is all about planning and strategizing for the long-term of your business.





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Visit Our Locations

Our Service Areas:

Normal, IL

321 Susan Drive
Suite C, P.O. Box 8
Normal, IL 61761

Pontiac, IL

303 West Madison Street
P.O. Box 833
Pontiac, IL 61764

Risk Management

We focus on safety within organizations and keeping your employees safe.

Clients Come First

We get to know you and your unique risks to find the right ways to manage them.

Experienced Agents

With 200+ years of combined experience, we know how to help protect you.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Risk Management

Risk Management

Risk Factor

Every business faces risk. The level and type of risk will vary based on multiple factors including industry, size, and location, among others. Risk can never be fully eliminated, but it can be reduced.


Risk management is the practice of taking proactive steps to identify and mitigate risk. It’s a broad topic that involves many areas of a business, from personnel and technology to safety and compliance. Risk management can not only help a business identify what risks need to be insured, it can also pinpoint ways to reduce.


Risk Factor

Staying compliant is hard. The laws for many facets of business are ever-changing. Employee handbooks can become out of date. Employment and other contracts can contain problematic language if not handled properly. Employee relations and human resources concerns can get complicated.


There are insurance coverages like employment practices liability insurance (EPLI) and directors and officers liability insurance (D&O) that can help pay for the legal costs of defending lawsuits against the business, but risk management can help shed light on areas of the business where process improvement and consistent practices could help avoid litigation.

Employee Training

Risk Factor

Employees can make mistakes for a number of reasons. Sometimes, it’s simply the result of a lack of education. Some businesses may choose to skip training because they don’t have the time or resources to devote, but this can lead to mistakes and accidents.


Conducting employee training can reduce risk. For example, sexual harassment training often helps businesses avoid lawsuits. Safety training is essential to avoid workplace injuries. Many insurers will help companies provide employee training as a cost-saving measure.

OSHA Requirements

Risk Factor

The Occupational Safety and Health Administration (OSHA) sets and enforces standards aimed at ensuring the environment in which employees work is safe and healthful. Employers are required to comply with these standards and OSHA may audit workplaces to verify compliance. Employers that fail to comply can be faced with hefty fines.


Lockout/tagout, hazard communication, and powered industrial trucks standards, among others, all require specialized programs. Utilizing outside resources to create and train employees on these programs can be a cost-effective solution that ensures your business is doing everything possible to meet required standards.

Safe Driving

Risk Factor

If your business involves driving, you know that safety is paramount. Failure to drive safely not only endangers the lives of your employees and the general public, but it can also have costly repercussions for the business.


Increasing driver safety is a cost-effective risk management tool. Classes and seminars can be effective resources. Telematic programs allow businesses to see every move a driver makes. Driving simulators can offer hands on training for drivers of trucks, school buses, agricultural haulers, and other vehicles to prepare them for scenarios they may face out on the road.

Location Hazards

Risk Factor

When it comes to weather and natural disaster related losses, where your business is located impacts the kinds and level of risk it faces. Fires, hurricanes, blizzards, tornadoes, earthquakes and other events can cause major losses to your business.


While it’s impossible to control the weather, it is possible to lower the risks the weather poses. Risk management involves assessing which events are most likely and what steps a business can take to protect their building and contents, their employees, and other systems.


Risk Factor

Technology failures can be extremely detrimental to an organization. Problems can arise from power outages or surges, cyber-attacks, or telephone and communication failures.


Understanding what risks the technology your business uses is susceptible to, the processes a tech failure could affect, and how to prevent losses from tech failures is an essential part of risk management. This can help determine the proper insurance policies that are needed, such as cyber liability, property, and business interruption coverage.

Risk Management 101

Risk management can help you prevent and prepare for the worst.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Serving IL and Beyond

We are proud to serve McLean County and Livingston County, IL, and are licensed in 22 states. Contact us today with your risk management needs.

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