Business & Commercial Insurance in St. Charles, IL and Aurora, IL

Servicing businesses in Saint Charles, Geneva, Batavia, Yorkville and Oswego Illinois

Commercial Auto

As a business owner, you need the same kinds of insurance coverages for the car you use in your business as you do for a car used for personal travel -- liability, collision and comprehensive, medical payments (known as personal injury protection in some states) and coverage for uninsured motorists. 

Whether you need to buy a business auto insurance policy will depend on the kind of driving you do. A good insurance agent will ask you many questions about how you use vehicles in your business, who will be driving them and whether employees, if you have them, are likely to be driving their own cars for your business.

While the major coverages are similar, a business auto policy differs from a personal auto policy in many ways. Personal auto policies may exclude driving for business purposes. Business policies may exclude driving a car not owned by the business. There are coverages available to bridge these gaps. Give us a call at 630-762-9090 and we can answer your questions. 

General Liability

General Liability pays for losses arising from real or alleged bodily injury, property damage, or personal injury on your business premises or arising from your operations. If you have a personal umbrella liability policy, there's generally an exclusion for business-related liability. Make sure you have the propert coverage in place to protect your business. 

General Liability insurance can prevent a lawsuit from turning into a financial disaster by providing protection in case your business is ever sued or held legally responsible for some injury or damage.

Broad Range of General Liability Protection

• Bodily Injury, including the cost of care, the loss of services, and the restitution for any death that results from injury
• Property Damage coverage for the physical damage to property of others or the loss of use of that property
• Products-Completed Operations provides liability protection (damages and legal expenses up to your policy's limit) if an injury ever resulted from something your company made or service your company provided
• Products Liability is a more specialized product liability insurance that protects your company against lawsuits from product-related injury or accidents
• Contractual Liability extends to any liability you may assume by entering into a variety of contracts
• Other coverage includes: Reasonable Use of Force; Borrowed Equipment; Liquor Liability; Non-Owned Vehicles (such as aircraft and watercraft); Fire, Lightning or Explosion Damage; Water Damage Liability Protection; Legal Defense Costs; Medical Payments; Personal Injury; Advertising Injury; and specialized liability protection for specific business types

Call us about commercial general liability insurance at 630-762-9090 or fill out an online quote now.  

BOP and Commercial Package Policies: 

Looking for commercial auto, general liability coverage and perhaps more? All in one place?  

BOP (business owners policy) or Commercial package policies can provide auto coverage and general liabiltiy coverage. They can also include property coverage - for the building you own or rent and your business property at that location.  Call us about a BOP  or commercial package policy or fill out an online quote now.  

Workers Compensation
Workers compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.

Workers Compensation Insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance. Workers Compensation Insurance is not health insurance. Workers Compensation is designed specifically for injuries sustained on the job regardless of fault.

In most states, if you have employees, you are required to carry Workers Compensation coverage. Even in non-mandatory states, it can be a very good idea, particularly if you have many employees, or if they are engaged in hazardous activities.

Do I need workers compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.

To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.

Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.

Each state has different laws governing the amount and duration of lost income benefits, the provision of medical and rehabilitation services and how the system is administered. For example, in most states there are regulations that cover whether the worker or employer can choose the doctor who treats the injuries and how disputes about benefits are resolved. 

Call us today at 630-762-9090 or fill out an online quote now for workers compensation insurance!