In the fast-paced world of insurance, one crucial aspect that often flies under the radar is non-owned auto insurance. Picture this scenario: Your employee, Joe, hops into his own car to run a work-related errand and ends up rear-ending another…
Understanding work compensation audits can be confusing, especially when you find yourself asking, “Do I have to pay my work comp audit in Illinois?” This article will break down the essentials of work compensation audits in Illinois, why they’re conducted,…
Think you’re safe from cybercrime? Think again. While most people worry about high-profile ransomware attacks or massive data breaches, the real threat is much closer to home—and a lot simpler. Identity theft is one of the biggest cyber risks individuals…
When it comes to commercial insurance, communication is key. Too often, businesses face a lack of responsiveness or a sense of disconnect from their existing insurance agents, leading to frustration and reduced trust. This issue is so prevalent that it’s…
Commercial property insurance is a safety net that protects against various unexpected events, providing financial security for property owners. When a severe storm damages your building, this insurance becomes indispensable. However, understanding the claims process, deductible implications, and preventive measures…
Property insurance is essential for homeowners and businesses alike, providing a financial safety net against unexpected events. A key aspect of these policies is the deductible, an amount you pay out of pocket before your insurance kicks in to cover…
nsurance is a critical component for any contracting business in Illinois, providing financial protection and peace of mind. However, the insurance market is constantly evolving, and strategies that once worked may no longer be effective. As a contracting business owner,…
When it comes to insurance requests, many agencies follow a routine checklist. This often includes gathering copies of policies, deck pages, drivers’ details, Vehicle Identification Numbers (VINs), and coverage specifics. However, there’s an approach that stands out by placing a…
Managing workers’ compensation costs is a crucial component for any business aiming to maintain financial health. But what happens when your experience modification (mod) factor skyrockets unexpectedly? Such was the challenge faced by one of our clients, who saw their…
Insurance coverage is essential for contracting businesses, particularly those operating in Illinois where the regulatory environment can be stringent. Recently, we encountered a contracting client who faced an unexpected hurdle: their current insurance carrier decided not to renew their workers’…
