Beardstown Fire Dept. gets new ISO rating

    In early spring of 2016, Insurance Services, Inc. (ISO) contacted the Beardstown Fire Department in order to begin the process of analyzing the City of Beardstown and the surrounding rural area’s fire protection services. ISO is an independent company that provides information to insurance companies, municipalities, and fire departments. Their statistical data offers a relationship between quality fire protection and the ability to limit fire losses.
    Virtually all U.S. insurers of home and business properties use ISO’s public protection classifications in calculating premiums. In general, the price of insurance in a community with a good PPC is substantially lower than in a community with a poor PPC, assuming all other factors are equal.

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    Martin Luther writes in his treatise, The Freedom of a Christian, “I shall set down the following two propositions concerning the freedom and the bondage of the spirit: