Small Business Insurance in Illinois

As the starting point for most businesses, General Liability Insurance pays claims where your business is found negligent. Claim types include personal injury, property damage, and personal advertising injury.

Property, equipment, and assets are a necessity for many businesses to offer services. A fire, theft, or storm can damage it all in the blink of any eye. Property Insurance pays to replace or repair it.

Required by Illinois law if you have at least one employee, this is the best way to avoid a lawsuit from injured employees. It pays medical expenses and lost wages when an employee injures themselves on the job.

Illinois requires drivers carry $25k/50k/$20k to operate a vehicle. If your employees use personal vehicles for work, you also need hired & non owned auto to protect your business.

Also a requirement for Illinois business, Disability Insurance pays employees a portion of lost wages for up to six months when they cannot work due to a non-work injury or illness.

If you have employees, an Employment Practices Liability Insurance policy will protect you from employee-related claims alleging discrimination, harassment, or wrongful termination.