Owning a business in Frankfort comes with countless rewards—but also significant risks.
Whether you’re running a storefront downtown, managing a contracting team along Route 30, or building a brand from a home office, you’re exposed to challenges that could jeopardize your investment. From property damage and theft to employee injuries and legal claims, even one incident can impact your operations or bottom line.
That’s why comprehensive business insurance in Frankfort is a necessity—not a luxury. At Hicks Insurance Group, we help local entrepreneurs and established business owners protect what they’ve worked hard to build.
As an independent commercial insurance agent, we offer access to 14+ top-rated carriers and design custom business protection plans based on your unique risks, goals, and budget. Contact our team to create coverage that’s built for your business.
At Hicks Insurance Group, we know that no two businesses are alike—even within the same industry. Your risks, goals, and operations are unique, and your insurance should reflect that. That’s why we take a consultative approach to every policy, helping you build a customized business insurance policy that fits your company—not the other way around.
As an independent commercial insurance agent in Frankfort, we work with more than 14 top-rated carriers, giving you access to a wide range of options without the bias of a single provider. Whether you’re a contractor, retail shop owner, or professional service provider, we’ll walk you through every step to identify the right protection at the right price.
Here’s how we make insurance work for your business:
Explore our full business insurance offerings.
You should revisit your policy if:
Coverage should evolve with your operation. Speak with an agent to ensure you’re protected today—and tomorrow.
No two businesses are exactly alike—and neither are their insurance needs. A well-structured business insurance policy includes multiple layers of protection designed to keep your operations running, your people safe, and your assets secure.
Commercial Property Coverage
Protects your building, inventory, tools, and equipment from losses due to fire, theft, vandalism, or storm damage.
General Liability
Covers third-party bodily injury, property damage, and legal claims related to your business operations.
Business Interruption Insurance
Helps cover lost income and ongoing expenses if a covered event forces you to temporarily close or reduce operations.
Workers’ Compensation
Required for most employers—pays for medical care, rehab, and lost wages if an employee is injured on the job.
Professional Liability & EPLI Options
Protection against claims of negligence, errors, or employment-related disputes like wrongful termination or harassment.
Every policy we write is customized to match your industry, risk exposure, and future plans—whether you’re in retail, construction, hospitality, or professional services.
As soon as you bring employees into your business—whether part-time, seasonal, or full-time—your responsibility grows.
Workers’ compensation insurance is designed to protect both your team and your bottom line when workplace injuries occur. Medical expenses, rehabilitation costs, and lost wages can add up quickly. Without proper coverage, even one incident could put your entire operation at financial risk.
At Hicks Insurance Group, we help Frankfort businesses meet Illinois’ workers’ comp requirements while offering options that reflect the realities of your industry. Whether you run a contracting crew, a restaurant, or a retail shop, we’ll customize a plan that fits. Plus, bundling workers’ compensation with your general liability insurance keeps things simple and cost-effective.
You may need workers’ comp if:
It’s more than just compliance—it’s a sign that you value your people and take business seriously.
Running a business comes with enough challenges—your insurance shouldn’t be one of them. At Hicks Insurance Group, we provide customized business insurance coverage that protects your people, property, and profitability. Whether you’re launching a startup, scaling operations, or simply looking for better value, we’re here to help you protect what you’ve worked so hard to build.
Ready to protect your future? Get a free quote today or contact us to schedule a tailored review. You can also speak directly with our team by calling (708) 532-7474. We typically respond within one business day and are always happy to assist.
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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