We specialize in both personal and commercial insurance. In personal insurance, we have over twenty employees working in just personal lines, with a full review department. In commercial lines, we specialize in certain commercial risks such as contractors, restaurants, and manufacturers.
A long-time client of ours owned a successful contracting business in the south suburbs. For years he had his commercial package with one office and his personal home, auto, and umbrella with another. Two renewals, two phone trees, two sets of declarations pages, and no one looking at the whole picture. When he moved everything to us, we caught an umbrella that did not extend over his rental property and a workers compensation classification that had been mis-coded for two years. That is what specializing in both sides — personal and commercial — actually does for a household.
Our agency specializes in personal insurance and commercial insurance. Not one or the other. Households and businesses are both real practice areas inside our office, with dedicated staff and dedicated carrier relationships on each side. Read our full take on how the agency is structured for the foundation.
On the personal side, we have more than twenty employees working exclusively in personal lines. That includes service representatives, account managers, and a separate review department that handles annual renewal reviews. The team covers auto insurance, homeowners insurance, umbrella insurance, and bundle policies. Whether you live in Orland Park, Naperville, or one of our other service areas, your CSR is on the personal team.
On the commercial side, we have specialists in industries where insurance is complicated and getting it wrong is expensive:
Our depth on the commercial side is the reason we can place difficult risks that other agencies decline. See how many commercial carriers we work with and our note on reviewing workers compensation class codes if you want to go deeper.
Business owners benefit specifically from an agency that handles both sides. Your personal umbrella often needs to coordinate with your commercial liability. Your home and your business location may share certain carrier relationships. If you own the building your business operates out of, the property is treated differently depending on who insures the inside and the outside. Read whether to move business auto, liability, and property at the same time for the operational version of this question.
For a family without business interests, the personal team handles everything end-to-end. We can quote your home, auto, umbrella, and life all at once and let you bundle if it makes sense — our note on bundling walks through whether that saves money in your case. The review department then checks each renewal annually.
If you are a household, start a personal insurance quote and our personal lines team will take it from there. If you are a business, request a commercial insurance quote and an industry specialist will handle the conversation. If you have both, we can run them in parallel and make sure the coverages coordinate properly across the two sides.
Give us a call today and we can help.
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