BUSINESS INSURANCE
Protecting the business you built.
Whether you run a shop on Main Street, a contracting crew, or an office, we shop our carriers to find coverage that fits your business, and we explain your options in plain English.
WHAT IT TYPICALLY COVERS
The basics, explained.
General Liability
Helps protect you if your business is blamed for injuring someone or damaging their property.
Commercial Property
Covers your building, equipment, inventory, and supplies after a covered loss.
Business Owners Policy
A package that typically bundles liability and property coverage for small businesses.
Workers’ Compensation
Helps cover medical costs and lost wages for employees hurt on the job.
Commercial Auto
Coverage for vehicles your business owns or uses for work.
Coverage descriptions are general. Actual coverage depends on your policy and carrier.
WHAT BUSINESS OWNERS OFTEN MISS
Worth asking
about before you
need it
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Business income coverage.
If a covered loss closes your doors for a while, this can help replace lost income and cover ongoing expenses. Property coverage alone often doesn’t.​​​​​
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Personal policies don’t cover business.
Homeowners and personal auto policies usually limit or exclude business property, business liability, and work use of a vehicle. This includes home-based businesses.
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Cyber coverage.
A data breach or scam can hit any business that takes cards, stores customer information, or relies on email.
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Subcontractors and employees.
How you classify workers can affect your workers’ compensation requirements and your premium. Ask before an audit surprises you.
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Certificates of insurance.
A customer, landlord, or general contractor may require proof of coverage. Call us and we’ll help you get what you need.
WHO IT'S FOR
Coverage for every kind of business
Main Street Shops & Restaurants
Storefronts, food service, and customer-facing businesses with building, inventory, and liability needs.
Contractors /
& Trades
Crews, tools, and vehicles on the road, plus the coverage your customers may require.
Offices & Professional Services
Professional liability, equipment, and cyber coverage for businesses that sell expertise.
Agribusiness
& Rural
Businesses that serve farms and rural communities. Ask us about farm and crop coverage too.
HOW IT WORKS
Simple from first call to claim
1
Tell us about your
business.
What you do, who works for you, and what you own.
2
We shop our
carriers.
We compare options for
you.
3
We explain your
options.
Coverage, deductibles, and price, in plain English.
4
We're here when
you need us.
Claims, certificates, and changes as your business grows.
COMMON QUESTIONS
Good to know
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What kind of coverage does my business need?
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It depends on what you do, who works for you, what you own, and what your customers or lenders require. We’ll ask a few questions and walk you through your options.
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Do I need workers’ compensation?
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Most employers with employees are required to carry it, but the rules vary by state, the number of employees, and the type of work. We’ll help you check the requirements for Illinois or Iowa.
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What affects my rate?
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Typically your type of business, payroll, sales, location, claims history, coverage limits and deductibles, and the carrier you choose.
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Ready to talk about your business?