Frequently Asked Questions
We know first hand that insurance can be confusing. This is why we've created an easy-to-read library of answers to commonly asked questions.
Broaden Your Insurance Knowledge Below
What is an independent insurance agency?
An independent insurance agency works with multiple insurance carriers instead of just one. This means we can compare policies, coverage options, and pricing from various companies to find the best fit for your personal or business insurance needs.
How is an independent agent different from a captive agent?
Captive agents represent only one insurance company, while independent agents represent several. This allows us to provide more choices, competitive rates, and flexible coverage options.
Why should I use an independent agent instead of buying insurance online?
Buying online can be convenient, but it often lacks expert guidance. As independent agents, we help you:
- Understand the coverage you’re buying
- Avoid gaps that could leave you unprotected
- Compare rates from multiple insurers
- Handle claims, policy changes, and renewals personally
Can you customize insurance for my small business?
Absolutely. We specialize in designing tailored insurance solutions based on your business type, size, risk exposure, and industry requirements.
How do I know how much coverage I need?
We conduct a full review of your operations, assets, risks, and contractual requirements to recommend coverage tailored to your specific situation.
How do I get a quote?
You can request a quote through our website, call us directly, or schedule a consultation. We gather a few details about your business or personal needs, then compare options from multiple insurance carriers.
Does getting a quote impact my credit score?
No. Insurance quotes do not affect your credit score.
Why do insurance prices vary between companies?
Each company calculates risk differently. As an independent agency, we compare rates and coverage to ensure you get the best value without sacrificing protection.
How do I make changes to my policy?
You can contact us anytime to update your coverage, add endorsements, change insured items, or request certificates of insurance.
Can you issue Certificates of Insurance (COIs)?
Yes. Most certificate requests are completed same-day, often within hours.
Do you work with startups or new businesses?
Yes. We help new businesses understand legal requirements, risk exposures, and essential policies needed to operate safely and compliantly.
Is workers’ compensation required in Illinois?
In most cases, yes — Illinois law requires businesses with employees to carry workers’ compensation insurance. We can help determine your exact requirements.
Do you offer monthly payment options?
Yes. Many carriers offer monthly, quarterly, or annual payment plans.
Who do I pay—your agency or the insurance company?
Payments are typically made directly to the insurance carrier, but we will guide you through the billing process and help with questions.
Can I manage my policy online?
Most of our partner carriers offer online portals for billing, documents, and claims.
How do I request a copy of my policy?
Simply contact us via phone or email, and we can provide digital or printed copies.
Can I make updates to my policy during the year?
Yes. We handle endorsements, certificates of insurance, policy changes, and renewals as your business grows or changes.