Clients, Community and Character: P/L/R’s Recipe for Success

People do business with people they know, like, and trust. Of course, it’s easier to know, like, and trust someone when you have something in common.

Over the years, P/L/R Insurance has found success in helping other small business owners find the path to the right insurance coverage for them.

“The government defines a ‘small business’ as one with less than 100 employees and annual revenues of less than $5 million,” says Bill Lawrence, CIC, and President of P/L/R Insurance. “Our experience is concentrated on the more common ‘small businesses’ that generally have 5 to 50 employees and revenues from $500,000 and up.

“That’s much closer to the way most small businesses look, and we can find connection with them because generally, their small business runs much like ours – with the owners working ‘in’ the business every day, right alongside their employees.

Because our business models are similar, we can understand the challenges that small business owners face every day, even if we’re not in the same business.

For example, we’re not professional bakers, but we might have a client who is. We don’t need to know the cake flour to baking soda ratio to provide insurance coverage for perfect cupcakes. That’s their business.

Our business is to make sure they not only have the correct insurance but to make sure that it explicitly covers equipment breakdowns and food spoilage and that they have a commercial auto policy for their delivery and catering services.”

One of the best things about being a small business owner (SBO) is the ability to react to changing market conditions, change strategy as necessary, and make your own decisions about which organizations and causes to support. At P/L/R, we’ve made it a point to be active in the community and visible supporters of the organizations and causes that align with our mission and values.

Bill and Jan (his better half and the Director of Business Development at P/L/R) and their son John (Vice President of the agency, CIC, CLCS) are actively involved in the community. They are especially interested in supporting organizations that advocate for women and children.
The Lawrences have served as Honorary Co-Chairs of The Baby Fold’s Festival of Trees, and Bill has served on the Board of Directors for the Bloomington-Normal Economic Development Council and the McLean County Chamber of Commerce. He is currently the board chair of the Boys and Girls Club of Bloomington-Normal. John is also involved with local charitable organizations, and so are many of the other employees.

Along the way, P/L/R has built a reputation as a company that genuinely cares about our clients and our community. We’re not in the insurance game to take your money. P/L/R exists to help people understand the complex world of insurance and to help them purchase the insurance coverage that is right for them.

The P/L/R edge lies in our position as an independent insurance agency. P/L/R is 100% independent of any one company, which means we can work directly with various top-rated insurance carriers and offer the best available product to suit each customer’s unique needs.

“Captive” insurance agents are the opposite of independent agents. Captive agents can only offer products from the company that holds them captive. Even if they know that there’s a better product on the market, they cannot provide it to their clients.

We know. Bloomington is an insurance town. There’s an agency on every corner and many independent agencies to choose from, so why should you choose us? We’re glad you asked!

Lawrence continues: “Our goal is to educate people while helping them purchase the right coverage. We don’t participate in insurance company contests. We recommend and sell clients – both personal and commercial – only the products in their best interest. Our team exhibits the highest levels of empathy and professional integrity; we only hire people of good character. That is how we’ve built our business, and our brand is a true reflection of how we view our customer relationships.”

If that kind of passion, loyalty, and reliability is important to you when trusting an agency with your insurance needs, then P/L/R is the agency for you.

Contact us today at for answers to your questions and experience insurance the way it’s meant to be.

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