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If you get hurt at work, you might need to file for workers’ compensation. Workers’ comp is insurance that the State of Illinois requires for most employers. It provides coverage that might help both you and your employer if you get hurt on the job. If you have to file a claim, you might wonder how to do so. READ MORE >>

Your business is often your primary source of income. Therefore, if you face an unplanned closure, you stand to lose out on a lot of money. Coupled with physical losses, the cost of closure might prove financially unsustainable. You might even run the risk of losing the business. READ MORE >>

This year is barely two months old. There’s still plenty to do, and a lot of opportunities within your business. Now is also a prime time to take a few extra safety steps to keep things secure. One of the tasks on your list should be a full review of your cyber security policies. READ MORE >>

Restaurants usually limit access to the back of the house. The kitchen, freezers and storage rooms likely contain a lot of potentially-harmful hazards. Only authorized staff should enter these areas. However, they will face risks of harm, too, even in seemingly-normal situations. What are some of these? READ MORE >>

Maybe you own a food delivery business. Or, you have a courier who delivers legal documents between your practice and the courts. In these cases, drivers usually function as your employees. They will often need commercial auto insurance for their vehicles, as a result. However, they will also need oversight. READ MORE >>

Running a store requires a lot of management. You have to make sales, re-stock and keep on top of industry trends. However, you also must keep customers coming in to shop. That means creating a safe environment for them to patronize. Multiple injury and safety risks exist in retail outlets. READ MORE >>

Most dining establishments serve alcoholic beverages in some shape or form. Some might only offer wine and beer. However, others offer specialty cocktails and unique services which involve high-grade, expensive liquors. Still, regardless of the monetary value of your liquor itself, you have to protect it. READ MORE >>

This winter might bring snow and ice storms to our area. When spring arrives, threats like severe thunderstorms, hail and even tornadoes might beckon. Seasonal threats create a significant risk of property damage. If this happens to your business, the repair costs might mount. READ MORE >>

As a business owner, you endeavor to serve your customers professionally. Still, you can’t forego the risk of an accident impacting one of them during the course of business. And when harm occurs to customers, it often comes back to bite the business. What can you do to protect yourself when accidents happen? READ MORE >>

Let’s say you come into work to find that hackers have struck your computers. They have stolen customer credit card data. This is a major exposure of private information, and your company must respond. Yet, when you turn to your liability insurance, you find that you don’t have coverage. READ MORE >>

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