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Automotive Insurance Services (AIS), powered by Nicoud Insurance is the AASPI endorsed provider of workers comp and garage keepers coverage through United Fire Group, a Best “A” rated company.

As a member of the Alliance of Automotive Service Providers of Illinois, you can receive the protection you need, through a program specifically designed for you. This unique coverage plan is offered through United Fire’s GaragePro® Program and is serviced by AIS.

AASPI members can take advantage of special pricing and dividend programs!

Insurance Coverages Include:


  • Newly Acquired or Constructed Property
  • Special Causes of Loss
  • Automatic Valuation Adjustment on Buildings
  • 24-hour Waiting Period of Restoration
  • Employee Tools
  • Extended Business Income – 60 days
  • Inflation Guard on Contents
  • Business Income and Extra Expense – Actual Loss Sustained – up to 12 months
  • GaragePro® Property Extension Endorsement
  • No Coinsurance
  • Attached Signs - $10,000 Per Occurrence
  • Automotive Diagnostic and Repair Equipment - $25,000
  • Station Damage - $5,000 Any One Accident ($500 deductible)


  • Products and Completed Operations
  • Personal and Advertising Injury
  • Garage Liability Each Accident
  • Garage Keepers Direct Primary



  • Money and Securities
  • Forgery and Alteration
  • Counterfeit Coverage
  • Employee Dishonesty

Optional Garage Ultra Endorsement

  • Temporary Substitute Auto Physical Damage
  • Broad Form Insured
  • Employees as Insureds
  • Additional Insured Status by Contract, Agreement or Permit
  • Amended Fellow Employee Exclusion
  • Towing and Labor
  • Physical Damage Additional Transportation Expense Coverage
  • Extra Expense Theft
  • Rental Reimbursement and Additional Transportation Expense
  • Personal Effects Coverage
  • Audio, Visual and Data Electronic Equipment Coverage
  • Airbag Accidental Discharge
  • Auto Loan/Lease Total Loss Protection Endorsement
  • Glass Repair-Deductible Amendment
  • Waiver of Subrogation Required By Contract
  • Hired, Leased, Rented or Borrowed Auto Physical Damage
  • Extended Cancellation Condition – to Common Policy Conditions
  • Mechanics Errors and Omissions
  • Customer Auto Expanded Definition
  • Damage to Rented Premises Liability

Our Locations

Nicoud Insurance Services

4481 Ash Grove, Suite B
Springfield, IL 62711
Main office: 217-817-0441
Toll free: 800-982-6564
Fax: 217-546-7034

Community BancInsurance

4481 Ash Grove, Suite B
Springfield, IL 62711
Main office: 217-817-0441
Toll free: 800-982-6564
Fax: 217-546-7034

Missouri Bankers Insurance Services

223 E Capital Avenue
Jefferson City, MO 65102
Main office: 844-546-7034
Fax: 217-546-7034

Our Providers


Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.