Business Insurance

Business insurance services

Serving Chicago and the Chicagoland area

To Protect your company, we need to fully understand your business

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Insurance is a complex business

How confident are you that your current agent is watching your back?You have invested a lot in your business, if you’re like most entrepreneurs you may have leveraged everything. Are those assets insulated properly? 
When you purchased your coverage, chances are that you were confident that you were doing everything possible to safeguard your company.

However, years of analyzing property and casualty policies have shown us that the odds are not favorable. Our skilled insurance technicians consistently find significant liability risks, not covered by policies. This can be caused by insurance agents with little experience in your industry, agents biased by commissions, simple classification and administrative errors. In some cases, the potential liability is in the millions of dollars.

For this reason we have partnered with Corporate Risk Management. They are experts in the evaluation and administration of commercial policies. Their priority is to make sure you are insured properly and to ensure you that you are not overpaying for coverage because of overlaps in policies.

General Liability

Due to the day-to-day uncertainties of business management, having the right liability program in place to protect you against claims from others is essential.

General liability insurance protects your business from another person or business' claims of bodily injury, associated medical costs and damage to property of others. Liability insurance can help cover medical expenses, attorney fees and damages for which you are legally responsible.

Business Auto Insurance

You and your employees depend on commercial vehicles every day as an essential part of doing business. Protect your vehicles as well as your employee’s because road conditions, weather and most importantly other drivers on the road are simply beyond your control.

Business Property Insurance

No two businesses are exactly alike. With CRM's flexible coverage options, you can tailor coverage specifically for your business’ unique needs. A basic property insurance policy protects your investments in business assets in the event that they are stolen, damaged, or destroyed in a fire or natural disaster, including…
  • Office space owned by your business
  • Fixtures & Furnishings
  • Inventory & Supplies
  • Equipment

Workers Comp

Most insurance companies shy away from certain types of companies that they deem “Risky”. However, there are insurance companies that have good experience with undesirable risks, such as high-rise window washers, roofers, truckers, staffing agencies, and more. Independent insurance agencies, such as ours, are able to connect with these companies to get you coverage and pull you out of the pool. Just by being in the assigned risk pool you are paying at least 20% more than you should (and could be paying up to 40% more). We can help place you with an insurance carrier outside of the pool.

Workers Compensation Benefits Include

  • Minimized Liability Exposure
  • Claims Management
  • Reduced Premiums
  • Loss Control Programs
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Inland Marine

Inland marine insurance provides coverage to businesses for property that is mobile in nature or requires unique valuation that they own or have in their care. Many types of property are covered, including those related to construction, transportation, fine art and communications. The four major types of inland marine coverage’s written today are:
  • Property being transported
  • Buildings under construction
  • Computer equipment and data
  • Contractors equipment

Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance (E&O), is a coverage for businesses that offer professional and personal services. E&O insurance protects you in the event that a client is harmed from a service or advice that you provide for which you are held legally liable. Professional liability can apply to many different kinds of professions such as:
  • Architects and Engineers
  • Bankers
  • Lawyers
  • Directors and Officers
  • ...and can include Cyber Coverage

Business Bond Insurance

Need help getting a required bond to secure a contract? We are able to issue the following bonds:
  • ERISA Bonds
  • Fidelity Bond
  • Bid Bond
  • Performance Bond
  • Contractor License Bond
  • Surety Bond
  • License and Permit Bond
  • Wage and Welfare Bond
  • ...and More

Umbrella

Liability policy. A policy designed to provide protection against catastrophic losses. It generally is written over various primary liability policies, such as the business auto policy (BAP), commercial general liability (CGL) policy, watercraft and aircraft liability policies, and employers’ liability coverage.
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