General Liability Insurance That Protects What You’ve Built – Hicks Insurance Group | Frankfort, IL

Why General Liability Insurance Matters in Frankfort

Owning a business in Frankfort comes with opportunity—and liability. From boutique retailers on Kansas Street to contractors managing job sites throughout Will County, the risk of property damage, injuries, or lawsuits is real. Without the right protection, even one incident could lead to costly legal battles or a devastating settlement.

General liability insurance in Frankfort isn’t just about meeting client or lease requirements—it’s about defending what you’ve worked hard to build. At Hicks Insurance Group, we tailor business liability coverage to reflect your industry, customer interaction, and unique risks. Contact our team to explore affordable, customized coverage today.

Built Around Your Business: A Smarter Approach to Liability Protection

At Hicks Insurance Group, we believe liability protection should be as unique as the business it serves. Whether you’re a solo consultant, a busy retail shop, or a growing contractor in Frankfort, your risks and responsibilities are different—and your coverage should reflect that.

That’s why we don’t offer cookie-cutter policies. Instead, we take the time to understand how your business operates day-to-day. From client interactions and job site visits to marketing practices and employee growth, we evaluate where you’re most vulnerable and where tailored coverage can truly make a difference.

How We Customize Coverage:

• Access to 14+ top-rated business insurers – Let us shop the market to find the right balance of cost and protection.
• Risk assessments based on your field of work – We evaluate what could go wrong before it does.
• Annual policy reviews and claim support – As your business evolves, so should your coverage.
• Flexible policy limits and bundling options – Maximize protection while managing premiums.

Learn more about our general liability insurance and how we can build a solution that actually fits your business.

When to Review or Upgrade Your Liability Policy

As your business grows, your risk changes. Review your policy if:

• You add employees or services
• Your customer base or revenue expands
• You sign a new commercial lease or contract
• You’ve had a claim or near-miss incident

Want help assessing your current policy? Speak with an agent today.

What General Liability Insurance Covers

Property Damage
Pays for accidental damage caused to someone else’s property during business operations.

Bodily Injury
Covers injuries sustained by non-employees on your business premises or job sites.

Legal Costs
Includes attorney fees, court expenses, and settlements if you’re sued.

Reputation Protection
Coverage for claims involving slander, libel, or defamation tied to your business.

Advertising Injury
Protects against copyright infringement and advertising-related claims.

Every policy is tailored by business type and risk level—whether you’re a consultant or a contractor.

Who Needs General Liability Coverage?

Whether you’re running a brick-and-mortar shop, managing construction crews, or consulting from a home office, general liability coverage is critical. It protects small business owners in retail, real estate, hospitality, construction, and countless other industries from the everyday risks that can lead to lawsuits or costly claims.

If your business interacts with clients, manages a physical location, or operates in the field, liability coverage isn’t optional—it’s essential.

Why Choose Hicks Insurance Group

• Serving Frankfort businesses since 1998
• Independent, client-first approach with 14+ carrier partners
• Local advisors who understand your operation and risk
• Comprehensive support from quote to claim

Read what our clients say.

🚚 Highlighted Service: Commercial Auto Insurance

If your business relies on vehicles to move people, tools, or products, then commercial auto insurance isn’t just a nice thought, it’s a necessary must. From delivery vans and company trucks to employee-owned vehicles used on the job, one accident could lead to steep repair costs, medical bills, or legal claims. Standard personal auto policies often don’t cover business use, which could leave you exposed when it matters most.

At Hicks Insurance Group, we help you create custom commercial auto policies that match your business operations and comply with Illinois requirements. Whether you’re transporting equipment to a job site in Frankfort or making client visits across Will County, we make sure you’re covered every mile of the way.

You may need commercial auto insurance if:

• You own or lease vehicles under your business name – Company vehicles require business-specific coverage.
• Employees use personal vehicles for work tasks – You’re liable even if the vehicle isn’t owned by the business.
• You transport tools, equipment, or goods – Coverage protects the contents as well as the vehicle.
• You drive to job sites, meetings, or service calls – Frequent use increases exposure to accidents and liability.

Don’t risk downtime or legal exposure—learn more about commercial auto insurance and how Hicks can help you keep your business moving forward.

Get a Free General Liability Quote

Lawsuits and liability claims can strike when you least expect them—and they don’t wait for your coverage to catch up. Whether you’re just starting your business or expanding operations, now is the time to ensure you’re properly protected. 

Our team is here to walk you through every step—from risk evaluation to final policy selection—with the insight only a local, independent agency can offer. No hard sells. Just smart guidance and custom coverage.

Ready to take the next step? Get a free quote or contact us to schedule a one-on-one consultation. Prefer to call? Reach us at (708) 532-7474—we typically respond within one business day and are always happy to help.