Business insurance · IL & WI
For contractors, shops, offices and other small and mid-sized businesses. We compare policies from several insurance companies and explain what each one covers, what it excludes and what your contracts may require.
Free quote, no obligation. In English, Ukrainian, Polish or Russian.
Business coverages
Most businesses need a combination of policies. Here is what each one is for.
Covers claims that your business caused bodily injury or property damage to others, such as a customer who slips at your shop or damage you cause at a client’s property, including legal defense.
Does not cover injuries to your own employees, your vehicles or professional mistakes.
Pays medical bills and part of lost wages for employees injured on the job, and includes employer’s liability.
Illinois and Wisconsin have different rules on who must carry it. We check what applies to your business.
Liability and physical damage for vehicles used in the business: pickups, vans, box trucks and vehicles your employees drive.
Hired and non-owned auto can cover rented vehicles and employees’ own cars used for work.
Covers your building if you own it, plus inventory, furniture, equipment and improvements, after covered losses like fire or theft.
Business income coverage can replace lost income while you cannot operate after a covered loss.
Covers tools and equipment that move between job sites, against theft and damage, wherever they are.
Often needed by contractors because a general liability policy does not cover your own tools.
Covers a building under construction or renovation, and the materials on site, until the project is finished.
Who buys it, the owner or the contractor, usually depends on the contract.
Covers claims that a mistake, oversight or bad advice in your professional services caused a client financial loss.
Important for consultants, designers, IT, accounting and other service businesses.
Adds extra liability limits on top of your general liability, commercial auto and employer’s liability policies.
Often requested by larger clients and general contractors.
Tell us what you do and who you work for. We will suggest the coverages and limits that usually fit and show you the options.
Get a Business Insurance QuoteAvailability, limits and terms depend on the state, the insurance company and your type of work. The policy itself is what defines the coverage.
Understanding your coverage
These two are often confused. General liability protects you against claims from other people. Workers’ compensation covers your own employees.
| General liability | Workers’ comp | |
|---|---|---|
| Who is covered | Customers, the public, clients’ property | Your employees |
| Example | A client trips over your equipment | An employee falls from a ladder |
| Required by law | No, but often required by contracts | Usually, once you have employees |
Personal auto policies can limit or exclude vehicles used mainly for business, such as carrying tools and materials to job sites, deliveries or employees driving the vehicle.
A vehicle titled to the business, or used this way, usually needs commercial auto insurance. Tell us how each vehicle is used so the right policy is quoted.
Workers’ comp is usually priced on payroll by job type, and general liability on revenue or payroll. Both start from your estimates and are often checked at an audit after the policy year, so the final premium can go up or down.
If you hire subcontractors, ask for their certificates of insurance. Uninsured subcontractors can be counted in your own audit.
Contracts may require specific limits, additional insured status or waivers. We check them, but whether a policy meets a contract depends on the policy and endorsements available, so we never promise it automatically.
What affects the price
Each insurance company weighs these factors in its own way and some only insure certain types of work.
Rating rules, eligible types of work and discounts vary by company.
Why compare insurance companies
Companies differ a lot in which types of work they accept, how they classify your work and what they exclude. As an independent agency we request quotes from several and compare not only the price but the exclusions and endorsements, which is where business policies often differ most.
We cannot promise the lowest price or that a company will accept every type of business. We can make sure you know what you are buying before you sign.
How to get a quote
Call, text or send the short form. Describe what you do and which policies you have now or need for a contract.
We check companies that fit your type of work and compare coverage, exclusions and price.
In your language. After you choose, we help with certificates of insurance for your clients.
Please do not enter Social Security, driver’s license or payment details in the online form. If a company needs them, we ask later through a secure channel.
Get a Business Insurance QuoteBusiness insurance questions
It depends on the state, your business structure and who works for you. Owners can sometimes exclude themselves, but a general contractor may still require a policy, and uninsured subcontractors can be counted as your employees. We check what applies to you.
A document that shows a client which policies and limits you have. Some clients also ask to be added as an additional insured, which needs an endorsement on your policy.
No. General liability covers damage you cause to others. Your own tools and equipment need tools and equipment (inland marine) or property coverage.
Often not, if the vehicle is used mainly for business or titled to the business. A commercial auto policy is usually the right fit. Tell us how the vehicle is used.
After the policy year, the company compares your estimated payroll or revenue with the actual numbers. If they were higher, you may owe more; if lower, you may get money back.
If clients rely on your advice, designs or professional work, a mistake can cause them a financial loss that general liability does not cover. Professional liability, also called E&O, is designed for that.
Send the short form or call us. We compare quotes from several companies and explain the differences.
ENEnglish
ESEspañol
UAУкраїнська
PLPolski
BGБългарски