Premium Audit Panic
“I’ve already paid my estimated premiums. Why do I need to fill out this audit?” Now, that is a question I get on a regular basis from our clients and business owners we talk to across the state of Illinois.…
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Phone: (815) 456-5006
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Hours 9AM - 5PM
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Email: office@themcbrideagency.com
Patrick McBride
My Neighbor’s Tree Fell on My House: Who Pays in Illinois?
It is a stormy night in Northern Illinois, and a sudden, violent crash shakes your entire home. You rush outside into the wind to find that a massive oak tree belonging to your neighbor has given way, smashing through your…
Is Your Water Backup & Sump Pump Covered
If you’re an Illinois homeowner and you have a basement, specifically a finished basement, you could be sitting on a ticking time bomb. I don’t mean that literally, of course, but financially, the risk is very real. If you have…
The Construction Exclusion Danger
How Illinois Contractors Are Paying for $0 Coverage If you operate in Northern Illinois as a residential general contractor, a property investor, or a professional property flipper, you must give this scenario serious attention. You pay your insurance premiums diligently.…
Illinois ATV & UTV Liability – The Million Dollar Risk
If you own an ATV, a UTV, or a side-by-side here in Illinois, I have an important, potentially million-dollar message for you. You might be sitting on a massive liability gap and not even know it. Recently, a McHenry County…
Major Carriers Are Mandating a 1% Wind & Hail Deductible
Alright, Illinois homeowners, this is the one you need to pay attention to. Your home insurance deductible just got a little bit more expensive, and the chances are very high that you had no idea this change was coming. This…
Illinois Contractor Waiver of Subrogation Explained
If you operate anywhere in the Illinois construction landscape, you don’t just build structures; you build relationships fortified by contracts. Whether you are a general contractor in Chicago or a specialty subcontractor down in Springfield, the paperwork is endless. And…
The Motorized Scooter Liability Trap
It was the perfect gift. Maybe a birthday, or a hard-earned reward. You bought your child a sleek, new motorized scooter. The weather finally turned nice, and now they are happily riding it to school, down to the corner store,…
How the Hammer Clause Squeezes Illinois Contractors
Let’s just pretend for just a second. I know you’re a business owner. I know you’re a contractor. You’ve completed a job for a client. You are confident in your work. Then, that client decides that there is some damage…
Navigating the 2026 Illinois Storm Season
The sky turns that familiar shade of bruised purple, and Illinois residents know the drill. Storm season has officially arrived. While we’ve already discussed deductibles and initial storm preparation recently, two critical developments have emerged this April that fundamentally change…