Chicago’s business landscape is diverse—from South Side contractors and West Loop restaurateurs to Lakeview salons and River North agencies. But every business, no matter the size or sector, faces real liability risks. One accidental injury, property mishap, or personal injury claim could cost thousands—and potentially threaten your operations.
At Hicks Insurance Group, we tailor general liability insurance policies that align with your business’s size, activity, and risk exposure. We understand that cookie-cutter coverage doesn’t work in a city like Chicago. That’s why we take the time to consult, compare, and craft policies that work just as hard as you do. Contact our team today to explore your liability protection options.
At Hicks, we don’t just sell policies—we build them around your business. As an independent agency, we:
This approach keeps your business protected as it evolves. Learn more on our general liability insurance page.
Changes to your operations mean changes in liability. Update your coverage if:
You’ve added staff or contractors. More people means more risk exposure.
You’re renting new space. Commercial leases often require liability limits you might not meet.
Your client base has grown. More customers = more foot traffic = more potential for claims.
You’ve introduced new services or products. Each expansion can change how you’re exposed to liability.
Speak with an agent for a full policy review and risk assessment.
Property Damage
Accidental damage to another person’s property—whether on their premises or yours.
Bodily Injury
Covers medical expenses and legal fees if someone is hurt on-site or due to your business operations.
Personal & Advertising Injury
Protection from claims of slander, libel, or misrepresentation in your advertising and communications.
Legal Costs
Defense fees and settlements—even if the claim turns out to be false.
Industry-Tailored Options
Add-ons for specific risks like professional liability or product recall are available depending on your sector.
Every policy is designed around your actual risks—not generic assumptions.
If your business involves customers, vendors, or physical locations, this insurance is for you. Retailers, contractors, real estate agents, consultants, restaurant owners, and manufacturers are all vulnerable to liability claims. Even if you operate from a small office or work from home, a single claim could disrupt everything.
We work with Chicago businesses of all sizes to make sure the right protection is in place—from local contractors on job sites to multi-location service businesses with staff in the field.
For many Chicago businesses, transportation is more than a convenience—it’s critical to daily operations. Whether you’re making deliveries in the Loop, sending technicians to job sites on the South Side, or shuttling staff to clients across the suburbs, your company vehicles face real risks on the road.
General liability insurance doesn’t cover accidents involving your business-owned or leased vehicles. That’s where commercial auto insurance comes in. It fills the gaps left by standard policies, protecting your company financially if a driver causes an accident, if a vehicle is stolen or vandalized, or if you’re hit by an uninsured motorist.
Commercial auto insurance can include:
If your business involves any driving—whether it’s frequent or occasional—commercial auto insurance isn’t just recommended. It’s essential. And in a high-traffic, high-risk environment like Chicago, it can be the difference between a minor setback and a major financial loss.
Every Chicago business deserves insurance that reflects how it operates—not just where it’s located. At Hicks Insurance Group, we’re here to help you protect your reputation, your resources, and your future.
Call us at (708) 532-7474, get a quote online, or contact us here to schedule a custom liability consultation.
Give us a call today and we can help.
If you are new to Hicks Insurance, you probably have some questions. Let's help you get some answers.
If you cause an accident, be prepared to pay your deductible. After you’ve done that, your insurance company should pay the remaining costs, including damages or medical expenses you caused to other parties involved.
Your business insurance needs are as unique as your business itself. While all businesses need certain types of coverage—general liability, business property, and workers’ compensation, for example—your other needs hinge on your type of business. If, for example, you use vehicles in your line of work, you need business auto insurance. Similarly, businesses that manufacture a product should consider product liability insurance. Talk to your agent to determine your exact needs.
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