No matter how careful you are, accidents happen. If a customer slips on your floor, a contractor damages a client’s property, or your business is accused of false advertising, the resulting legal and medical expenses can be devastating. That’s why general liability insurance is a must-have for businesses in Manhattan, IL—whether you’re operating from a storefront, your garage, or a job site.
At Hicks Insurance Group, we provide general liability insurance in Manhattan that protects against everyday business risks—so you can focus on growing your company without constant worry. We’ve served Will County entrepreneurs since 1998 and know exactly what coverage your business needs (and what it doesn’t). Contact our team today to get started.
We believe insurance should be understandable and actionable. Our local agents help you assess your exposure, select the right policy, and avoid overpaying for things that don’t apply to your work.
With Hicks Insurance Group, you get:
If any of the following apply, it’s time to review or secure coverage:
If your business sees regular foot traffic—whether it’s retail, a salon, office, or studio—you’re exposing yourself to liability risks like slip‑and‑fall injuries or property damage. General liability helps protect you from costly lawsuits stemming from incidents on your premises.
Does your team perform services directly at client locations (e.g., landscaping, HVAC repairs, construction)? Claims arising from accidental damage or bodily injury while working at someone else’s property could leave you vulnerable—coverage is key to protection.
Whether you install equipment, manufacture goods, or sell items, product or service defects can result in expensive claims. General liability can cover legal defense and damages if your offerings cause harm, malfunction, or fail to perform.
Many landlords, vendors, and clients insist on proof of insurance before doing business. Even if you’re cautious, contractual obligations may require liability coverage—and having a policy in place can help secure new contracts and partnerships.
In today’s online world, your business can be exposed to defamation claims—from advertising copy to customer reviews. Coverage can protect you in the event of accusations around libel or slander, helping cover legal costs and damages.
If any of these apply to your Manhattan business, now is a smart time to review your policy or secure coverage—reach out to make sure you’re fully protected.
Our general liability policies are designed to safeguard your business against the everyday risks that come with operating in Manhattan. Coverage includes protection for bodily injury—such as a customer slipping and falling at your office or store—as well as property damage caused by your employees at a client’s location.
It also helps cover legal defense costs, including attorney fees, court expenses, and potential settlements. Additionally, general liability extends to personal and advertising injury claims like copyright infringement, libel, or slander. Depending on your industry and risk exposure, we can also provide endorsements for data breach liability or liquor liability, giving you a more comprehensive shield tailored to your business needs.
From plumbers and electricians to boutique owners and mobile service providers, Manhattan businesses face unique liability risks depending on how and where they operate.
We help:
Not sure what you need? We’ll explain what’s required and what’s optional—so you can make an informed choice.
Since 1998, Hicks Insurance Group has helped local business owners in Manhattan protect what they’ve built. As a truly local agency, we understand the regulations, neighborhoods, and client expectations that shape your day-to-day work.
We’re not just insurance professionals—we’re part of your local business community.
When employees get injured on the job, Workers’ Compensation Insurance is your first line of defense. Required for most businesses in Illinois, it covers medical expenses and wage replacement—helping your team and protecting your bottom line.
Why it matters:
From retail shops to contractors, Workers’ Compensation is vital coverage that protects both employees and your business’s financial stability. Learn more about Workers’ Compensation Insurance to ensure your team is covered.
From cozy coffee shops to growing construction crews, every Manhattan business faces liability risks. At Hicks Insurance Group, we specialize in helping local entrepreneurs manage those risks with affordable, customized general liability insurance. Whether you’re just starting out or revisiting your coverage after years in business, we’ll walk you through your options and ensure you get the protection that fits your operations.
General liability isn’t just a smart move—it’s often a requirement for contracts, leases, and vendor partnerships. Let us make the process fast, clear, and tailored to your unique needs. Call us at (708) 532-7474 or get a free estimate to start the conversation. We typically respond within one business day and are always here to help your business stay protected.
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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