Providing insurance solutions and financial services for over 80 years!
We aim to make your life worry free by offering a broad range of individual, business and agribusiness insurance solutions, strategic counsel, employee benefits, financial and risk management services* to partners of all sizes, from individuals to enterprises. We take a proactive approach to a reactive concept by focusing on the client, not the commodity. This means offering innovative, customized products and solutions that are uniquely packaged to accelerate client success by focusing on mitigating the risk up front.
With offices throughout Iowa and Illinois, we combine a sophisticated work ethic and personal touch with unparalleled resources to provide peace of mind for our clients’ bottom line. We are committed to supporting the needs of our clients in the communities we serve.
Trusted advice and insurance solutions to protect what matters most.
Coverage and risk management solutions for companies of all sizes.
Coverage solutions for your agricultural business.
Attract, retain and protect your team.
What People Are Saying
“The People! Friendly, helpful, knowledgeable. Always ready to help answer all of my questions all the time. Great people!!”Abe Conrads
“Our favorite insurance company. We expect great happenings.”Roy Walker
“Great People & Service!”Jo Young
“The Accel Group is friendly, efficient, returns calls promptly & always goes above & beyond. Everyone is always smiling like they love their jobs. I'm glad we stayed in Waverly.”Susan Lenuis
“Wouldn't be with anyone else. Great group. Great people who work for them.”Richard Wellman
“Nice people, help with our home and car insurance.”Phil Gardiner
“The customer service & one stop shop experience.”Connie Yanda
“Best service, friendly, personal, knowledgable, very helpful, always available.”Sharon Leerhoff
“Am so pleased with the service I get and the staff.”Shirley Siberski
“Enjoy the personalized customer service.”Roger Wilcox
“You have been there when we needed you.”Carl Campbell
“Individual attention to our needs is outstanding.”Bob Walker
“The Accel Group caring for their customers, families, and community.”Christina Flammang
“Deciding to transition to the Accel Group has been a great decision. They have an extremely knowledgeable team of specialized agents who are great to work with and have been valuable assets for our farming operation.”Gregg MeesterParkersburg, Iowa
“It had been a while since we took a look at our coverages and our business has been changing a lot. The DISCOVERisk audit process helped us determine if we had coverage where we needed it.”Ron WasikPresident, Rapids Reproductions
“We've been in business since 1957 and The Accel Group is the first agency we have worked with that even offered a risk management audit service. The most valuable part...was the analysis of our policies and procedures, identifying areas of risk and suggestions on how to reduce or eliminate risk.”Karen DeGrootPresident & CEO, The Arc of Southeast Iowa
“I work for an insurance company and we strive to provide the kind of platinum customer service that The Accel Group provides to us. We are only a personal account, not a huge commercial account, but you treat every request as though we are one of your most important customers!”Paula HatchGrinnell, IA
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Ask an Advisor
You Have Questions. We Have Answers.
The knowledgeable advisors at The Accel Group are here to answer all your insurance questions. Browse our current video library for answers to questions on a variety of topics. Don’t see what you’re looking for? Send us your question and one of our advisors will contact you with an answer. We may even feature your question in one of our upcoming videos.
Most fires are devastating. Besides the emotional impact, the physical damage to your home can be significant. If you lost your home to fire, do you have adequate insurance to replace your home and its contents? Remember, inflation rates on building materials and construction costs rarely track with real estate values. As a result, rebuilding a home can often cost significantly more than expected.
Be sure to look for coverage that will account for replacement costs above the actual value of the home due to increased costs for building materials and construction. Also, local ordinances and building codes tend to change over time, which may require additional expense. Talk to your agent to find out what’s available for your home.
Personal Property / Contents - Property Damage
When your home suffers damage due to an unexpected event, your personal property is also at risk. Furniture, appliances, clothing, electronics, and other personal items can also be damaged or destroyed.
Your homeowners insurance policy typically covers personal property, including the contents of your home and other personal items owned by you or family members who live with you. Make sure your homeowners policy includes replacement cost coverage for personal property so that you always receive the full cost to replace whatever item is damaged.
Additional Living Expense / Loss of Use
When there is substantial damage to your home due to unexpected events such as lightning, fire, or a storm, you may not be able to live in your home until it can be repaired or rebuilt–potentially incurring additional living expenses for lodging, food, and other daily needs.
Ensure that your homeowners insurance policy provides additional living expense or loss of use coverage to compensate you for the additional costs you incur for reasonable housing and living expenses if a covered event makes your house temporarily uninhabitable while it's being repaired or rebuilt.
Jewelry, Fine Arts, and Collectables
If your diamond ring disappears or valuable artwork is stolen, your standard homeowners policy may not compensate you for the loss. Homeowners policies include coverage for your belongings and personal property, but some special items like jewelry, furs, silverware, antiques, collectibles, and other valuables have limited or no coverage and need to be insured separately.
Valuable possessions insurance covers personal property that may have unique value, cannot be replaced like regular personal property or is subject to special types of losses such as breakage or mysterious disappearance. For most valuable possession categories, there is no deductible applied at time of loss. Valuable possessions insurance can be added to your homeowners policy or may be written as a separate policy.
If a guest is injured while on your property, even when it’s due to a friendly game of baseball, you may be required to pay any medical expenses associated with their injury.
Your homeowners policy should include medical expenses coverage to take care of injuries and treatment - generally not of a serious nature. In the event a person is injured on your property and requires medical attention, you would be able to submit the injury-related medical expenses to your insurance carrier. Medical expenses are usually paid without a liability claim being filed against you.
In the unfortunate event that someone slips and falls while on your property, you and your family may be held liable for any injuries that result.
Your homeowners policy includes personal liability coverage to respond to incidents where injuries or damages occur to a third party where you may be deemed negligent. However, you should consider purchasing a personal umbrella or excess liability policy to provide additional coverage limits to protect your assets in case a lawsuit is brought against you.
The fun that comes with having a trampoline in your backyard can also be accompanied by serious risks, which may not be covered under your standard homeowners insurance policy since coverage varies from state to state and between insurance companies.
You should make sure your homeowners insurance policy covers your trampoline, as many insurance providers refuse to take on trampoline liability and exclude the item from coverage.
Young people are usually very active online. However, using social media and other sites can increase the possibility of them directly or indirectly damaging someone's reputation and exposing you, the parent, to a lawsuit.
Your homeowners insurance policy includes liability coverage for property damage caused by any member in the family, but it may not cover rumors or statements that damage a reputation. You need to add an endorsement to your policy to expand coverage to include liability protection that covers personal injury.
Umbrella / Excess Liability Coverage
You invite guests over for a pool party and one of your guests dives into the shallow end of the pool and is permanently injured. They hire a lawyer to represent them and after a long legal battle, you and your family are left financially responsible for their injuries. Do you have enough money in savings to cover your legal responsibilities as well as the legal defense costs?
An umbrella or excess liability policy increases your personal liability limits by adding protection over and above your current auto, boat, or homeowners policies-providing real financial value, as well as priceless peace of mind. Excess liability insurance is available either by an endorsement to your homeowners policy or available as separate coverage.
You do not have to live near a body of water to suffer loss due to flooding. With the changing weather patterns and more damaging storms occurring around the globe, flood losses are becoming more common in places that are not normally prone to flood damage. Your homeowners policy does not cover damage from flood. Could your home be at risk?
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.
Owning a secondary home has the potential of increasing your liability exposures.
Be certain that you extend the liability coverage under your homeowners policy to include your secondary home. You should also consider including the secondary home under an excess liability or umbrella policy to provide for additional liability limits.
Collector vehicles often have significant value and require specialized insurance coverage and claims handling.
Schedule your collectible vehicle on a separate collector car policy. By doing so, you are protecting the vehicle for either the appraised value or market value.
If you are a connoisseur of wine, you know that it is susceptible to outside environmental exposures that can ruin it. If the collection is damaged, coverage from your homeowners policy is a possible recourse. However, the damage is only insurable if it is a covered cause of loss as outlined in your homeowners policy. A deductible would also apply.
If you have a sizable wine collection, you may want to consider scheduling the collection on your homeowners policy. Doing so expands your coverage and eliminates the deductible in case of a loss. You can also consider unique coverages for wine, such as for spoilage.
Most homeowners policies exclude coverage for water back-up damages as a result of a clogged drain, sewer, or sump pump.
Water backup coverage can be added to most insurance policies. Consider adding it so that you have the coverage you need in the event of damages caused by a clogged drain, sewer, sump pump, and related risks.
Surprisingly, standard auto insurance does not cover personal property or contents stolen from your car.
Most homeowners policies offer an option to include off-premises theft coverage as an endorsement, which covers you for theft of your personal property away from your residence.