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Nicoud HR Solutions

Servicing Policy:

  • The Commercial Account Manager will be assigned to your account and will be accessible to meet your policy service requirements in a professional manner.
  • Certificates of Insurance will be processed and forwarded to you within one business day of receiving the request.
  • Binders will be processed and forwarded to you within three business days after binding coverage.

Account Procedures:

  • Agency will review your operations as you request or at least Time Frame to determine any changes in exposures, claim activity or servicing needs.
  • All service personnel will return telephone calls within the same day they are received.
  • Audits will be reviewed upon receipt. Agency will request that the company complete the audit within 90 days of the policy expiration.

Claims Management:

  • Workers’ Compensation claims should be reported by the insured to Nicoud's Claims Department with the applicable state required form fully completed.
  • Agency reports all claims to your carrier within 24 hours of receipt.
  • Draft authority will be utilized to settle claims “in house” whenever possible.
  • Agency will monitor the settling and reserving of claims and keep you advised of any major changes in reserves.
  • Agency will maintain open and frequent communication regarding the status of the open claims.
  • Loss runs will be reviewed at your request on a monthly, quarterly or semi-annual basis.
  • Agency will review your Workers’ Compensation Experience Modification (where applicable) for accuracy on an annual basis. If a claim is of an urgent nature for which you need immediate assistance and occurs outside of normal business hours, please call 217-899-4764.

Renewal Procedures:

  • Agency will begin reviewing your policy renewal with the appropriate insurance carriers 60-90 days prior to your policy expiration.
  • Agency will provide a renewal proposal and premium quotation prior to your policy expiration.

Your Duties and Responsibilities:

  • Timely payment of all premiums.
  • Audit premiums are payable upon receipt.
  • Timely reporting of all claims.
  • Prompt notification of any material changes or additions to your operations.
  • Compliance and/or written response to loss control recommendations.


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.