Recent Articles

Boat risks at a lake house can involve property, liability, docks, lifts, trailers, guests, operators, and umbrella coverage. Learn what to review.

Lake Michigan boat insurance depends on where the boat is kept and how it is used. Compare permanent dock, marina, mooring, and trailer launch risks.

Charter boats may fall outside cheap personal marine policies. Learn about paid passengers, captain requirements, inspections, liability, and commercial coverage issues.

Renovating a Chicago or North Shore home? Review builder risk, contractor insurance, vacancy, liability, property limits, and coverage gaps before work starts.

If you have received a non-renewal notice from your home insurance carrier in the past year or two, there is a good chance a satellite played a role in that decision. What used to require a physical drive-by inspection or an in-person visit from an adjuster can now happen from orbit, and the shift is…

If you have ever compared auto insurance quotes with a friend who lives somewhere else in Illinois and noticed a real difference, you were not imagining it. Location is one of the most significant factors in how carriers price auto insurance, and the effect can be substantial. For drivers on the Chicago North Shore, this…

Food delivery has gone from a niche convenience to a core revenue channel for restaurants across the Chicago area. Whether you’re using third-party platforms like DoorDash, Uber Eats, or Grubhub, running your own in-house delivery operation with employee drivers, or some combination of both, delivery has created an insurance exposure that most restaurant owners seriously…

Running a restaurant in the Chicago area is one of the most rewarding — and demanding — businesses you can operate. Between managing staff, sourcing ingredients, satisfying health inspectors, and keeping customers happy, insurance probably doesn’t feel like a top priority. But it should be. The restaurant industry faces a unique and overlapping set of…

Most contractors use subcontractors. Whether you’re a general contractor who subs out every trade, a plumber who occasionally brings in a helper, or an electrician who partners with a drywall crew to complete jobs, the moment a subcontractor steps onto your job site, your insurance picture changes. This is the part of contractor insurance that…

If you run a contracting business anywhere in the Chicago area — whether you’re a general contractor in Evanston, a plumber working the North Shore suburbs, an electrician in Wilmette, or a landscaping crew bouncing between Winnetka and Lake Forest — insurance isn’t just a legal checkbox. It’s the financial backbone of your business. And…