The job looked routine until the water kept spreading It is late in the afternoon, and a plumbing contractor is wrapping up what should have been a straightforward job. A connection has been made, a line has been tested, and…
“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.…
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.…
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…
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…
Earlier today, I was standing in line at a coffee shop in Illinois, waiting to meet a student I mentor (the collaborative meeting pictured below). While I was waiting for my latte, a contractor I work with walked in. He…
It’s a scenario almost every business owner in Illinois has encountered or at least joked about. One of your guys, or maybe you, has a momentary lapse in concentration. You’re maneuvering a commercial vehicle at a job site or picking…
In today’s digital age, title companies face a barrage of cyber threats that can jeopardize their business and client trust overnight. That’s why having a robust cyber liability policy isn’t just advisable; it’s non-negotiable. Particularly for those operating in Illinois,…
Annual audits on commercial policies are crucial for ensuring that your policy accurately reflects your business operations and liabilities. Whether you’re with the same carrier or have switched, understanding how to navigate the audit process can save you time, money,…
How many employees do I need before I need work comp?” is a question that perplexes many business owners. Understanding worker’s compensation and its importance is critical for both large and small businesses. This article breaks down the general rules…
