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Frequently Asked Questions

Answers to your Commercial Insurance Questions

Can Hicks Insurance Group handle both my personal and business insurance?

Can Hicks Insurance Group handle both my personal and business insurance?

What insurance do I need for my restaurant in Tempe, Arizona?

What insurance do I need for my restaurant in Tempe, Arizona?

Is workers compensation insurance required in Arizona?

Is workers compensation insurance required in Arizona?

What insurance do I need for my small business in Tempe, AZ?

What insurance do I need for my small business in Tempe, AZ?

Do I need commercial auto insurance for my business vehicles in Mokena?

Do I need commercial auto insurance for my business vehicles in Mokena?

What insurance do I need for my small business in Mokena, IL?

What insurance do I need for my small business in Mokena, IL?

Can I bundle workers' comp with other business insurance?

Can I bundle workers’ comp with other business insurance?

Are independent contractors covered?

Are independent contractors covered?

How much does workers' compensation insurance cost?

How much does workers’ compensation insurance cost?

What types of injuries are covered?

What types of injuries are covered?

What happens if I don't have workers' compensation insurance?

What happens if I don’t have workers’ compensation insurance?

Is workers' compensation insurance required in Illinois?

Is workers’ compensation insurance required in Illinois?

Can Hicks Insurance help increase my bonding capacity?

Can Hicks Insurance help increase my bonding capacity?

How long does it take to get a performance bond?

How long does it take to get a performance bond?

How much does a performance bond cost?

How much does a performance bond cost?

What's the difference between bid bond, performance bond, and payment bont?

What’s the difference between bid bond, performance bond, and payment bont?

Who needs a performance bond in Illinois?

Who needs a performance bond in Illinois?

What is a performance bond?

What is a performance bond?

Can I bundle general liability with other coverages?

Can I bundle general liability with other coverages?

Can general liability insurance cover damage caused by subcontractors?

Can general liability insurance cover damage caused by subcontractors?

Does general liability insurance cover employee injuries?

Does general liability insurance cover employee injuries?

How much general liability insurance do I need?

How much general liability insurance do I need?

Is general liability insurance required in Illinois?

Is general liability insurance required in Illinois?

What does general liability insurance cover?

What does general liability insurance cover?

Can EPLI be bundled with other business insurance?

Can EPLI be bundled with other business insurance?

What steps can I take to prevent EPLI claims?

What steps can I take to prevent EPLI claims?

Does general liability insurance cover employee lawsuits?

Does general liability insurance cover employee lawsuits?

How much does EPLI cost?

How much does EPLI cost?

Do small businesses need EPLI?

Do small businesses need EPLI?

What is Employment Practices Liability Insurance (EPLI)?

What is Employment Practices Liability Insurance (EPLI)?

How much does cyber insurance cost?

How much does cyber insurance cost?

Is cyber insurance required by law in Illinois?

Is cyber insurance required by law in Illinois?

What types of businesses need cyber coverage?

What types of businesses need cyber coverage?

Does cyber insurance cover randomware attacks?

Does cyber insurance cover randomware attacks?

Do small businesses really need cyber insurance?

Do small businesses really need cyber insurance?

What is cyber insurance?

What is cyber insurance?

Can I bundle contractors insurance with other business policies?

Can I bundle contractors insurance with other business policies?

Does contractors insurance cover subcontractors?

Does contractors insurance cover subcontractors?

How much does contractors insurance cost?

How much does contractors insurance cost?

What's the difference between builders risk and general liability insurance?

What’s the difference between builders risk and general liability insurance?

What does general liability insurance cover for contractors?

What does general liability insurance cover for contractors?

What insurance is required for contractors in Illinois?

What insurance is required for contractors in Illinois?

Can I bundle my commercial property insurance with other business coverage?

Can I bundle my commercial property insurance with other business coverage?

What's the difference between replacement cost and actual cash value?

What’s the difference between replacement cost and actual cash value?

How is my property insurance premium determined?

How is my property insurance premium determined?

Does commercial property insurance cover flood or sewer backup?

Does commercial property insurance cover flood or sewer backup?

Is commercial property insurance required in Illinois

Is commercial property insurance required in Illinois

What does commercial property insurance cover?

What does commercial property insurance cover?

Can I bundle commercial auto with other business policies?

Can I bundle commercial auto with other business policies?

How are commercial auto insurance rates determined?

How are commercial auto insurance rates determined?

Does commercial auto insurance cover my employees' cars?

Does commercial auto insurance cover my employees’ cars?

What types of vehicles can be insured?

What types of vehicles can be insured?

Do I need commercial auto insurance if I'm a self-employed contractor?

Do I need commercial auto insurance if I’m a self-employed contractor?

What's the difference between personal and commercial auto insurance?

What’s the difference between personal and commercial auto insurance?

What is Commercial Auto Insurance, and why is it important?

What is Commercial Auto Insurance, and why is it important?

Do contractors need specialized insurance?

Do contractors need specialized insurance?

How can Cyber Insurance protect my business?

How can Cyber Insurance protect my business?

What is General Liability Insurance, and do I need it?

What is General Liability Insurance, and do I need it?

Does my business need Workers' Compensation Insurance?

Does my business need Workers’ Compensation Insurance?

What kind of insurance does my business need?

What kind of insurance does my business need?

How do I file a claim?

How do I file a claim?

What are the next steps after filing a claim?

What are the next steps after filing a claim?

What kind of insurance does my business needs?

What kind of insurance does my business needs?

Will filing a claim make my premium increase or result in my policy being cancelled?

Will filing a claim make my premium increase or result in my policy being cancelled?

Still have questions?

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