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Frequently Asked Questions

Answers to your Commercial Insurance Questions

Are independent contractors covered?

Can EPLI be bundled with other business insurance?

Can general liability insurance cover damage caused by subcontractors?

Can Hicks Insurance help increase my bonding capacity?

Can I bundle commercial auto with other business policies?

Can I bundle contractors insurance with other business policies?

Can I bundle general liability with other coverages?

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

Can I bundle workers’ comp with other business insurance?

Do contractors need specialized insurance?

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

Do small businesses need EPLI?

Do small businesses really need cyber insurance?

Does commercial auto insurance cover my employees’ cars?

Does commercial property insurance cover flood or sewer backup?

Does contractors insurance cover subcontractors?

Does cyber insurance cover randomware attacks?

Does general liability insurance cover employee injuries?

Does general liability insurance cover employee lawsuits?

Does my business need Workers’ Compensation Insurance?

How are commercial auto insurance rates determined?

How can Cyber Insurance protect my business?

How do I file a claim?

How is my property insurance premium determined?

How long does it take to get a performance bond?

How much does a performance bond cost?

How much does contractors insurance cost?

How much does cyber insurance cost?

How much does EPLI cost?

How much does workers’ compensation insurance cost?

How much general liability insurance do I need?

Is commercial property insurance required in Illinois

Is cyber insurance required by law in Illinois?

Is general liability insurance required in Illinois?

Is workers’ compensation insurance required in Illinois?

What are the next steps after filing a claim?

What does commercial property insurance cover?

What does general liability insurance cover for contractors?

What does general liability insurance cover?

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

What insurance is required for contractors in Illinois?

What is a performance bond?

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

What is cyber insurance?

What is Employment Practices Liability Insurance (EPLI)?

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

What kind of insurance does my business need?

What kind of insurance does my business needs?

What steps can I take to prevent EPLI claims?

What types of businesses need cyber coverage?

What types of injuries are covered?

What types of vehicles can be insured?

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

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

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

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

Who needs a performance bond in Illinois?

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

Still have questions?

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