Illinois Is a Strict Liability State for Dog Bites If your dog bites someone in Illinois, you’re liable — period. Under the Illinois Animal Control Act (510 ILCS 5/16), the owner of a dog that attacks or injures a person is liable for the full amount of damages, as long as the person was peacefully…

Flood Insurance Isn’t Just for Flood Zones Most homeowners on Chicago’s North Shore assume flood insurance is only for homes in designated flood zones. That assumption is wrong — and expensive when it matters. Over 20% of all flood insurance claims come from properties outside high-risk flood zones. If your basement has ever had water…

Historic homes need careful insurance planning. Learn about replacement cost, ordinance coverage, custom materials, renovation risk, and preservation concerns.

Chicago restaurants need more than basic liability. Learn about property, liquor liability, workers compensation, spoilage, cyber, and business income coverage.

Manufacturers and warehouses need coverage for products liability, property, equipment breakdown, workers compensation, commercial auto, and business income.

Buying a newly built home? Review replacement cost, builder warranties, sewer backup, roof coverage, service lines, and umbrella insurance before closing.

Illinois SB 714 gives state regulators new authority over auto insurance rate increases. Here is what Chicago-area drivers should know before July 2027.

Illinois homeowners are seeing higher premiums even without claims. Here is what is driving the increases and what to review before your next renewal.

A higher home insurance renewal does not always mean you should switch immediately. Here is what to check before making a decision.

Home insurance should not be a last-minute closing task. Here is what Chicago-area buyers should review before they own the problem.