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Railside Citrus Insurance Blog

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Hot Insurance Topics – Summer 2026 Edition!

Hot Topics Every Homeowner Should Know – summer 2026 edition! Severe weather continues to make headlines across Illinois and much of the country. From hailstorms and damaging winds to heavy rainfall and flooding, many homeowners are discovering that not all insurance policies provide the same coverage. As insurance professionals, we’ve noticed several topics coming up repeatedly in conversations with homeowners.… Continue readingHot Insurance Topics – Summer 2026 Edition!

What are the benefits of working with an independent agency rather than an insurance company directly? 

Why Work with an Independent Insurance Agency? When shopping for insurance, you have several options. You can purchase insurance directly from an insurance company, work with an agent who represents a single carrier, or choose an independent insurance agency. An independent insurance agency combines the convenience of working with a local team while offering access to multiple regional and national… Continue readingWhat are the benefits of working with an independent agency rather than an insurance company directly? 

What is a Derecho?

Understanding this powerful weather phenomenon. When it comes to severe weather, most people are familiar with tornadoes, hurricanes, and thunderstorms. However, there’s another formidable weather event that often flies under the radar: the derecho. While not as commonly known, a derecho can be just as destructive and dangerous.  What is a Derecho? A derecho (pronounced “deh-REY-cho”) is a widespread, long-lived… Continue readingWhat is a Derecho?

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Construction Safety

Building a Strong Culture of Construction Safety A strong safety program does more than reduce injuries—it also creates measurable business advantages. Construction companies with proactive safety cultures often experience: Lower workers’ compensation costs Reduced downtime and project delays Fewer claims and legal exposures Improved employee morale and retention Increased operational efficiency Stronger client and contractor relationships In many cases, companies… Continue readingConstruction Safety

March: Severe Weather Preparedness Month

It’s Time to Prepare for Severe Weather Why is March Severe Weather Preparedness Month in Illinois? March is designated as Severe Weather Preparedness Month in Illinois because it marks the transition from winter to spring—a time when severe weather threats begin to rise. During this period, severe weather activity ramps up, peaking in April, May, and June. This includes an… Continue readingMarch: Severe Weather Preparedness Month

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Why Commercial Landlords Should Require Tenants to Carry Insurance

Strategic Risk Management is Imperative for Property Owners For owners of commercial buildings, requiring tenants to carry adequate insurance is not just a formality – it is a critical risk management strategy. A well-structured insurance clause in the commercial lease protects the landlord’s assets, reduces legal exposure, helps ensure the long-term financial stability of the property and sets expectations in… Continue readingWhy Commercial Landlords Should Require Tenants to Carry Insurance

Why Fire Districts Are Being Targeted by Cyber Criminals

Cyber Criminals are Now Targeting Fire Districts More Than Ever Fire Departments have long been experts at managing operational risks, and risk management is deeply rooted in the fire service. We can look back at decades of standards, resources, policies and procedures that address emergency vehicle operations, fireground safety, EMS, rescue and more.   Technology is playing a bigger and… Continue readingWhy Fire Districts Are Being Targeted by Cyber Criminals

How to Prepare Your Home, Auto, Business, and Pets for Extreme Freezing Temps (Down to -40°F)

Illinois winters can be no joke — and when temperatures drop into dangerous territory (even -20°F to -40°F), everyday problems can turn into expensive emergencies fast. The good news? A little preparation can help protect your home, vehicles, business, and pets, and may even help reduce the chance of a claim. Here’s your easy checklist to stay safe and reduce… Continue readingHow to Prepare Your Home, Auto, Business, and Pets for Extreme Freezing Temps (Down to -40°F)

2025 Best of the Fox!

🍊We’re Honored! Railside Citrus Wins “Best of the Fox” 2025 Readers’ Choice Award! We are thrilled to share some fresh and exciting news—Railside Citrus Insurance Agency has been named a 2025 Best of the Fox Readers’ Choice Award Winner! 🏆🍊 This award means the world to us because it comes straight from the people we care most about—YOU, our amazing… Continue reading2025 Best of the Fox!

Fire Chiefs workshop: 2025 update – changes to federal Line-of-Duty benefits

A fire department does not know when it will have a line-of-duty death or serious injury and Fire Chiefs and survivors tell us that most Fire Departments are not prepared for these events. Join us for half-day workshop on June 17th, 2025 as we discuss recent changes to the federal line-of-duty benefits offered through the PSOB program. Our guest speaker will… Continue readingFire Chiefs workshop: 2025 update – changes to federal Line-of-Duty benefits

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