Business Insurance


Business Insurance Illinois

Every business, regardless of its size, needs reliable insurance. Having insurance protects businesses and from monetary losses that may result from lawsuits filed against a company. Without insurance, business owners put their company and personal assets at risk. Even companies with LLCs should have a solid insurance policy.

Having the right insurance coverage is necessary to reduce potential losses from claims.

The two most common insurance policies businesses have and need are general liability insurance and commercial auto insurance.

General Liability

General liability (GL), known in the industry as business liability insurance, protects against claims from normal business operations.

Insured perils include:

  • Property damage: This coverage protects from claims that result from damaging a third party’s property.
  • Physical injury: If a customer is injured on company property or as a result of a service, physical injury coverage will pay for medical expenses that result from the event, no matter who is found liable.
  • Legal costs: Legal defense coverage pays for legal representation in lawsuits resulting from an insured peril.
  • Personal and advertising injury: If a company is sued for libel and slander, personal and advertising injury pays for the damages, up to policy limits.

Commercial Auto

Commercial auto insurance is business insurance for cars.  If a company uses cars for business purposes, every car must be insured with a commercial auto policy.  If a business owner is using a car for business and does not report that activity to the insurance provider, the provider has the right to cancel the auto insurance policy for material misrepresentation.

The type of business coverage a business selects, the policy limits and the insurance deductible amount selected will all influence insurance costs. Other factors that can either increase or decrease insurance costs include the business industry and location.

Unlike other insurance companies, Insurance Navy offers great protection at an unbeatable price. We offer free insurance quotes at any of our offices, over the phone, online and through our mobile app.

Do you need more information about business insurance? Our agents and customer service representatives are here to help. Call us today at 1-888-949-6289 or visit your nearest Insurance Navy location. For your convenience, Insurance Navy is open from 8 a.m. to 9 p.m. CST, 7 days a week.

*Please review your own policy for details on your insurance coverage. Coverage options vary by policy and provider.

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If you need immediate attention, please call (708) 237-0404. Thank you!

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