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complete coverage for all situations.

Our holistic approach to insurance provides coverage for every area of life, represented by the six segments of the Loman-Ray shield.

 

Click on each section to learn more. 

 

Home
Home

You’ve worked tirelessly to turn your house into a home. You want to keep what’s likely your biggest financial investment protected...

Auto
Auto

You want to ensure your independence behind the wheel. And you know that keeping your vehicle insured is the responsible thing to do.

Health
Health

You already know that medical care costs are skyrocketing, and that having the right insurance is a necessity to have your health expenses covered...

Commercial
Commercial

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible.

Life
Life

Your family means everything to you. You want to watch them succeed and share in their ambitions and dreams. But if the unexpected happens to you...

Farm
Farm

You’ve worked hard to build your farming operation. Whether you’re small or large you need a partner to help protect your operation. We hear you.

Home
Home
Auto
Auto
Health
Health
Commercial
Commercial
Life
Life
Farm
Farm
Home
Home

You’ve worked tirelessly to turn your house into a home. You want to keep what’s likely your biggest financial investment protected—and provide your family with the guarantee that they’ll be safe and sound in it. We hear you.

 

holistic approach to home protection

Loman-Ray is your trusted solution for homeowners insurance. Our coverage options are both flexible and affordable. We'll design a policy that best suits your needs and provides the assurance that your family and possessions are secure.

 

While standard home insurance can cover anything from fire and weather damage to injuries and theft, not all damages and accidents may be insured under a standard policy. That’s why it’s important to talk to us about specific coverage options that are applicable to your situation.

 

Adequate coverage limits on your policies are an integral piece of the conversation you will be having with your agent. Increasing these limits on your underlying policies can be very affordable, and get you better coverage.

 

To further protect your liability and property, Loman-Ray recommends an umbrella policy to supplement your home and auto insurance to extend your bodily and property liability.

 

Keep your memories protected with the right policy from Loman-Ray.

Our Home Insurance coverage options include:

 

  • Property Insurance
  • Homeowners Liability
  • Renters Insurance
  • Condo Insurance
  • Mobile Home Insurance
  • Scheduled Property Insurance
  • Landlords Insurance
  • In-Home Business Insurance

 

Auto
Auto

You want to ensure your independence behind the wheel. And you know that keeping your vehicle insured is the responsible thing to do. We hear you.

 

Customer first auto coverage

Auto insurance is an essential financial decision that you can’t drive without. From accidents and injuries to hit-and-runs and theft, you need to be prepared when something unexpected happens. At Loman-Ray, we combine premium auto insurance with personalized service to give you the best coverage possible.

 

Our staff will work with you one-on-one to find a plan that keeps you, your drivers, and your passengers protected at all costs. We’ll help you get coverage that reduces or covers property damage costs, replacement parts for your car resulting from an accident, medical expenses from injuries, roadside assistance, and much more. Policies vary, so get in touch with us to see what works best for you.

 

Adequate coverage limits on your policies are an integral piece of the conversation you will be having with your agent. Increasing these limits on your underlying policies can be very affordable, and get you better coverage.

 

To further protect your liability and property, Loman-Ray recommends an umbrella policy to supplement your home and auto insurance to extend your bodily and property liability.

 

We offer a variety of coverage and additional protection options, such as:

 

  • Liability Coverage
  • Comprehensive Coverage
  • Collision Coverage
  • Accident Forgiveness
  • Roadside Assistance
  • Specialty Auto Insurance
  • 24-Hour Customer Service
  • Towing
Health
Health

You already know that medical care costs are skyrocketing, and that having the right insurance is a necessity to have your health expenses covered at a reasonable price. But finding the right health plan for you, your family, or your business can be complicated. We hear you.

 

Individual Health Insurance

You don’t have to stress over comparing health insurance plans for yourself and family when the Loman-Ray team can do the heavy lifting on your behalf. Our health insurance professionals navigate through the Affordable Care Act and Healthcare.gov to choose a direct or Marketplace plan that meets your needs.

 

Group Health Insurance

Loman-Ray is committed to providing the knowledge and support you need to help you make the right decision in finding the right health and ancillary benefit plan for yor businesses. The health benefit package can be key to attracting and retaining talent and keeping your employees happy and productive while assuring that they’re protected. Plans vary, but they can cover anything from medical and hospital expenses to dental, vision, and prescription drugs.

 

Medicare

Conversations about Medicare can be overwhelming with so many providers and options to choose from. Loman-Ray Insurance is
committed to helping this transition go as smoothly as possible, asking the right questions to guide you toward a plan that is best for you. Featured topic in Spotlights video

 

complimentary expertise

As an individual or for family coverage, Loman-Ray will never charge extra fees for the sale or service of your medical plan. This means
that the helpful service you get from your Insurance Executive and support staff is additional value to you as a policy-holder that
you would not receive if you bought directly from a healthcare provider or on the Marketplace.

 


We strive to offer the best Health Insurance options possible, from individual and group plans to specialized packages that may include dental and vision coverage.

 

Depending on your needs, our health care packages can include:

  • Individual & Family Health Insurance
  • Group Health Insurance
  • Dental Coverage
  • Vision Coverage
  • Long-Term Care Insurance
  • Short-Term Health Insurance Plans
  • Supplemental Insurance
  • Disability Insurance
  • Child Health Insurance
  • Telemedicine Services (Featured in Spotlights video)
  • Prescription Insurance
  • Medicare Supplement and Advantage Plans (Featured in Spotlights video)

 

Commercial
Commercial

No matter what business you are in, each workday is dedicated to doing your job well and providing your customers with the best service possible. In today's ever-changing environment, risk is constant. Commercial Insurance is not. Loman-Ray Insurance will thoroughly assess your business and situation to develop creative, comprehensive, and cost-effective solutions that fit your needs. We hear you.

 

Individualized solutions for your business

We are committed to keeping your business protected so you can focus on your day to day operations.

 

We do not offer one-size-fits all solutions. We understand that the workers compensation needs of a municipality are different than for a daycare and that a retail store needs a different approach to general liability coverage than a contractor does. These differences impact how we approach building your policy. We take the time to understand the makeup of your business or organization in order to find appropriate coverages that offer the most benefit.

 

We offer the following options for your business assets:

  • Commercial Property Insurance
  • Commercial General Liability
  • Business Owners Policy (BOP)
  • Inland Marine Insurance
  • Commercial Auto Insurance
  • Commercial Umbrella Insurance
  • Professional Liability
  • Workers Compensation
  • Cyber Insurance (Featured in Spotlights video)
  • Bonds

 

Life
Life

Your family means everything to you. You want to watch them succeed and share in their ambitions and dreams. But if the unexpected happens to you, you want to provide the assurance your family needs to keep their futures safe and sound. We hear you.

 

At Loman-Ray, we’ll work with you to keep your family protected in the event of your untimely death. From temporary to permanent coverage, the right life insurance policy can ensure that your finances and beneficiaries are secure.

 

Versatility of Life Insurance

Your policy can also be used to pay off debts and estate taxes, provide money for continuing mortgage payments, keep your business up and
running upon your passing, provide funds for your own long-term care, and serve as a vehicle to leave tax-free gifts to organizations and institutions. Most importantly, it can be used to ensure that your family’s dreams for the future become realities.

 

REview your needs as milestones occur

We also understand that as things in your life change (e.g., marriage, birth of a child, or job promotion), so will your financial and insurance
needs. That’s why it’s important to review your options with a specialist you can trust.

 

 

Whatever your situation, we offer life insurance options, such as:

  • Individual Life Insurance
  • Group Life Insurance
  • Long-Term Care Insurance
  • Mortgage Protection Insurance
  • Disability Insurance
  • Second-To-Die Policy
  • Key Person (Key Man) Insurance

 

 

Care should be taken to ensure this product is suitable for your long-term life insurance needs. You should weigh any associated costs before making a purchase. Life insurance has fees and charges associated with it that include costs of insurance that vary with such characteristics of the insured as gender, health and age, and has additional charges for riders that customize a policy to fit your individual needs.

 

Farm
Farm

You’ve worked hard to build your farming operation. Whether you’re small or large you need a partner to help protect your operation. We hear you.

 

Farm Insurance

At Loman-Ray, we’ll help you manage your risk, providing you the farm coverage you need so you can focus on what you do best. By being proactive with a proper farm policy, your equipment, buildings, and even lost income can be covered in the event that an accident or unforeseen circumstance disrupts your operations.

 

Crop Insurance

You put immeasurable time and investment into your crop– too much to gamble away with inadequate protection. The Loman-Ray team has
the experience and resources to get you the right coverage, many with agriculture backgrounds themselves.

 

income protection

With so many variables out of your control, building some insulation from the markets can offer great relief. A specialist at Loman-Ray can
help you execute on opportunities to establish minimum price, revenue, and/or margin floors at the moment your ideal price becomes available.

Featured topic in Spotlights video

 

Farm Perpetuation

The Loman-Ray team can help you make informed decisions today to minimize uncertainty tomorrow. A buy-sell agreement or perpetuation plan funded by life insurance can keep your farm going and help remove the stress of worry later in life.

 


We’re sensitive to your individual needs and will work with you to find policies that best suit your farm or ranch—so you can sleep a little sounder at night.

 

Designing a specific policy with us gives you several coverage options:

  • Crop Insurance
  • Farm Owners Insurance
  • Farm Livestock Insurance
  • Equine Insurance
  • Farm Equipment Insurance
  • Farm Dwelling Insurance
  • Farm Structures Insurance
  • Farm Auto Insurance
  • Farm Umbrella Insurance
  • Farm Liability Insurance

 

Read the current issue of our Grower Update newsletter for relevant information related to your farm operation.

 

Loman-Ray Insurance Group, LLC is an equal opportunity provider.

Visit Us

We help customers like you throughout east central Illinois and beyond—since 1981.

FIND YOUR LOCAL OFFICE
Champaign- Corporate Office
1902 Fox Drive, Suite A, Champaign, IL, 61820
OFFICE HOURS

By appointment only

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Broadlands
108 S. Lincoln Street, Broadlands, IL, 61816
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Clifton
145 E 5th Ave, Clifton, IL, 60927
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Cissna Park
125 W. Garfield St., Cissna Park, IL, 60924
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Danville
17 E. Liberty Lane, Danville, IL, 61832
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Hoopeston
1016 W. Orange St., Hoopeston, IL, 60942
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Monticello
113 S. State St, Monticello, IL, 61856
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Sidell
208 N Gray St, Sidell, IL, 61876
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Sullivan
13 S. Main St, Sullivan, IL, 61951
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Tolono
107 N Watson, Tolono, IL, 61880
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Villa Grove
15 S Main St, Villa Grove, IL, 61956
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Watseka
120 E Walnut St, Watseka, IL, 60970
OFFICE HOURS

Monday-Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

Windsor
1123 Maine, Windsor, IL, 619557
OFFICE HOURS

Monday - Friday
8:30am - 4:30pm

Saturday - Sunday
Closed

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