Welcome to Hicks Insurance Group, your trusted insurance partner serving Chicago, IL and the greater metropolitan area. Since 1998, we’ve been delivering expert advice, flexible options, and real relationships you can count on. As an independent insurance agency, we work with over 14 national carriers to find the best coverage for your unique needs—whether you’re protecting your urban condo, high-rise apartment, vehicle, or thriving business in America’s third-largest city.
Chicago, founded in 1833 and incorporated as a city in 1837, is a vibrant metropolis of approximately 2.7 million residents spread across 77 distinct neighborhoods. Known as the “Windy City” and the “City of Big Shoulders,” Chicago is a global hub for finance, commerce, culture, and innovation. From the iconic Loop and Magnificent Mile to historic neighborhoods like Hyde Park and Lincoln Park, Chicago offers unparalleled urban living combined with world-class amenities including renowned museums, professional sports teams, acclaimed restaurants, and diverse entertainment options.
At Hicks Insurance Group, we understand the unique insurance challenges Chicago residents and business owners face. Urban living presents distinct risks—from property crime and liability concerns to specialized condo insurance needs and commercial property protection. Our experienced team provides personalized service tailored to Chicago’s dynamic insurance landscape, whether you’re a young professional in a South Loop high-rise, a family in a Lakeview brownstone, or a business owner in the West Loop. We’re not just insurance agents—we’re your advocates, committed to protecting what matters most in this great city.
Our independent agency model means we work for you, not the insurance carriers. We compare coverage options from multiple top-rated insurers to ensure you get the best protection at competitive rates. Here’s how we serve the diverse Chicago community:
Chicago is renowned for its stunning skyline and abundant high-rise condo buildings, from historic Gold Coast properties to modern glass towers along the Chicago River. Condo insurance (HO-6 policy) is essential for protecting your unit and personal belongings, yet it differs significantly from traditional homeowners insurance.
Your condo insurance policy typically covers:
Understanding your condo association’s master policy is critical. According to the Insurance Information Institute, gaps between master policies and individual condo insurance can leave owners significantly underinsured. We’ll review your building’s master policy to ensure your coverage fills all gaps without unnecessary overlap.
Special considerations for Chicago condo owners include adequate loss assessment coverage (typically $50,000-$100,000 for luxury buildings), replacement cost coverage for high-end finishes and renovations, increased liability limits given Chicago’s litigious environment, and water damage endorsements. Many Chicago condos feature expensive upgrades and custom improvements requiring enhanced coverage limits.
Call us at (708) 532-7474 to discuss your condo insurance needs and ensure comprehensive protection for your Chicago home.
Learn more about: Condo Insurance Options
Despite its reputation as a high-rise city, Chicago boasts diverse residential properties including historic brownstones, classic bungalows, modern single-family homes, and vintage greystones throughout neighborhoods like Lincoln Park, Lakeview, Beverly, and Hyde Park. Whether you own a century-old Victorian or a new construction home, comprehensive homeowners insurance is essential.
Our homeowners insurance policies cover:
Chicago homeowners face unique risks requiring specialized coverage. Urban property crime rates necessitate adequate theft protection and security system discounts. Lake Michigan’s influence creates severe weather including high winds and heavy snow loads requiring wind and hail coverage. Older homes (many built pre-1950) may need enhanced coverage for updated electrical, plumbing, and mechanical systems. Water backup coverage is essential given Chicago’s aging infrastructure and combined sewer system.
According to the Insurance Information Institute, Illinois homeowners pay an average of $1,582 annually for homeowners insurance, though Chicago rates are typically higher due to elevated property values and urban risks. We work with multiple carriers to find competitive rates while ensuring comprehensive protection.
Get a quote: Homeowners Insurance Coverage
With hundreds of thousands of renters across Chicago’s 77 neighborhoods, renters insurance provides essential protection at remarkably affordable rates—typically $15-$30 per month. Despite this low cost, many Chicago renters remain uninsured, leaving themselves vulnerable to significant financial losses.
Renters insurance covers:
Chicago renters should consider theft coverage given urban property crime rates, liability coverage (especially important in shared buildings where damage to neighboring units is possible), and documentation of valuables including photos, receipts, and serial numbers. Many landlords now require proof of renters insurance as a lease condition.
Protect your belongings: Renters Insurance Information
Chicago’s urban driving environment presents unique challenges including heavy traffic, aggressive drivers, parking challenges, and elevated vehicle theft rates. Illinois law requires minimum liability coverage, but these minimums ($25,000 per person / $50,000 per accident for bodily injury, $20,000 for property damage) are inadequate for serious accidents in an expensive urban market.
Our auto insurance policies include:
According to the Insurance Information Institute, Illinois drivers face some of the nation’s highest auto insurance rates, with Chicago zip codes experiencing premium rates 30-50% above state averages due to elevated theft, accident, and fraud rates. Despite higher base rates, we help Chicago drivers maximize savings through multi-policy bundling, safe driver discounts, defensive driving course credits, low mileage discounts (valuable for those using public transit), and anti-theft device discounts.
Special considerations for Chicago drivers include comprehensive coverage given the city’s position as a national leader in vehicle theft, adequate uninsured motorist protection (approximately 20% of Illinois drivers are uninsured), and liability limits sufficient to protect your assets in this litigious market.
Get a free quote: Auto Insurance Coverage
Chicago is a global business center ranking among America’s top cities for corporate headquarters, startups, and small businesses. From tech companies in Fulton Market to retail shops on Michigan Avenue, restaurants in Pilsen, professional services in the Loop, and manufacturing facilities in industrial corridors, Chicago’s diverse economy requires equally diverse insurance solutions.
Our comprehensive business insurance includes:
According to the U.S. Small Business Administration, adequate insurance is critical for business survival, with uninsured losses being a leading cause of business failures. The right coverage protects your business assets, income, reputation, and ability to continue operations after adverse events.
Chicago businesses face unique exposures requiring specialized coverage including higher liability limits due to the urban legal environment, cyber insurance given the concentration of businesses handling sensitive data, employment practices liability for companies navigating complex employment regulations, and business interruption coverage protecting against lost income from covered events.
Our commercial insurance specialists understand Chicago’s diverse industry sectors and regulatory environment. We’ll conduct comprehensive risk assessments and customize coverage for your specific business operations, whether you’re running a tech startup, retail store, restaurant, professional practice, manufacturing facility, or construction company.
Protect your business: Commercial Insurance Solutions
Chicago’s litigious environment and elevated lawsuit risks make umbrella insurance particularly valuable. This coverage provides additional liability protection beyond your homeowners, condo, and auto policy limits—typically $1 million to $5 million in coverage for just $150-$400 annually.
Umbrella insurance is especially important for Chicago residents who own high-value properties in neighborhoods like Lincoln Park, Gold Coast, or River North; have significant investment portfolios or retirement savings; employ domestic workers like nannies or housekeepers; own rental properties; have teenage drivers; or face elevated professional liability risks. Given Chicago’s high cost of living and above-average household incomes, many residents have substantial assets requiring additional protection.
Benefits include coverage for lawsuits exceeding your primary policy limits, protection for certain claims not covered by underlying policies, defense cost coverage (which can be substantial even if you’re not liable), and worldwide coverage for incidents occurring outside the United States. For the modest premium, umbrella insurance provides exceptional peace of mind and asset protection.
Learn more: Umbrella Insurance Options
While our office is conveniently located in nearby Mokena, we’ve been proudly serving Chicago residents and businesses since 1998. Here’s why your neighbors in Chicago trust us with their insurance needs:
Chicago presents unique insurance challenges that suburban and rural agencies may not fully understand. We’re familiar with condo insurance complexities including master policy coordination and loss assessment coverage; elevated property crime rates requiring comprehensive theft protection; parking challenges and vehicle theft concerns affecting auto insurance needs; business interruption risks in a competitive urban market; and high liability exposures in densely populated environments.
Our experience serving Chicago clients for over 25 years means we understand neighborhood-specific risks, from lakefront condo concerns to industrial area business exposures to historic neighborhood property considerations. We provide knowledgeable advice based on real urban insurance experience—not generic suburban recommendations.
As an independent agency, we’re not tied to a single insurance company. This means we work for you, not the insurance carriers. We partner with over 14 top-rated national insurers, allowing us to:
This independent model is particularly valuable in Chicago’s complex insurance market where coverage needs vary dramatically by neighborhood, property type, and business sector.
Insurance is complicated, especially in a major metropolitan market. Our experienced agents take time to understand your unique situation, explain coverage options in clear language, and answer all your questions. We’re here for you not just when you buy a policy, but throughout your coverage—especially when you need to file a claim.
With over 1,414 reviews and a 4.99 rating, our clients consistently praise our responsive service, knowledgeable advice, and commitment to their protection. When you work with Hicks Insurance Group, you get a dedicated advisor who knows your coverage inside and out—not a rotating call center representative reading from a script.
Claims advocacy is particularly valuable in urban markets where claim complexity and costs are higher. We guide you through the entire claims process, ensure proper documentation, advocate with insurance companies for fair settlements, and help you get back on your feet quickly after losses.
Your insurance needs change over time, and Chicago’s dynamic environment accelerates these changes. We conduct regular coverage reviews to ensure your policies keep pace with life changes including condo renovations and improvements; vehicle purchases or upgrades; business growth or expansion; increasing property values; changing liability exposures; and evolving cyber risks for businesses.
For Chicago business owners, we provide ongoing risk management consulting including safety program recommendations, loss control strategies, employee training guidance, and compliance assistance. This proactive approach helps prevent losses and potentially reduces insurance costs over time.
This comprehensive service sets us apart from online insurance providers and captive agents who typically only contact you at renewal time to collect payment.
“As a condo owner in the South Loop, I was confused about what insurance I actually needed versus what my building’s master policy covered. Hicks Insurance Group’s team reviewed my association’s master policy, identified critical coverage gaps, and customized a policy that gave me complete peace of mind without paying for unnecessary overlapping coverage. Their expertise with Chicago condo insurance is exceptional. I recommend them to all my neighbors!”
“Running a restaurant in Chicago’s competitive market is stressful enough without worrying about insurance. Hicks Insurance Group’s commercial team understood my unique exposures including liquor liability, food contamination risks, and employee injuries. They customized a comprehensive policy at a competitive rate and have been invaluable partners in protecting my business. When we had a kitchen fire last year, they advocated for us with the insurance company and helped us reopen within six weeks. They’re not just agents—they’re genuine business partners.”
“After my car was stolen from a parking garage in River North, I learned the hard way that my previous insurance didn’t include comprehensive coverage. When I switched to Hicks Insurance Group, they not only added comprehensive and enhanced my liability limits, but also saved me $600 annually by bundling with my condo policy. Their knowledge of Chicago’s insurance challenges and commitment to client education sets them apart. I finally feel properly protected in this city.”
While we’re proud to serve Chicago and its diverse neighborhoods, our reach extends throughout the southwest suburbs. We also provide comprehensive insurance services to residents and businesses in:
Whether you live in Chicago proper or the surrounding southwest suburbs, you can count on Hicks Insurance Group for expert advice, competitive rates, and exceptional service tailored to your community’s unique characteristics.
Chicago is the third-largest city in the United States and the largest city in the Midwest, with a population of 2.7+ million residents within city limits and over 9.6 million in the greater metropolitan area. Founded in 1833 near a portage between the Great Lakes and the Mississippi River watershed, Chicago rapidly grew into a major transportation and industrial hub.
Chicago spans 234 square miles and comprises 77 officially recognized community areas, each with distinct character and demographics. From affluent Gold Coast and Lincoln Park to working-class neighborhoods like Pilsen and Bridgeport, to culturally rich communities like Chinatown and Devon Avenue’s South Asian corridor, Chicago’s diversity is legendary.
The city’s economy is remarkably diversified, with major sectors including finance and insurance (Chicago Mercantile Exchange, major banking centers), technology (growing tech hub in Fulton Market), manufacturing, healthcare (major hospital systems and research centers), education (numerous universities including University of Chicago and Northwestern), professional services, and tourism. Chicago’s median household income is approximately $65,000, with significant variation across neighborhoods.
Chicago boasts world-renowned cultural institutions and landmarks including:
Chicago’s crime rates vary dramatically by neighborhood. While overall crime has decreased significantly from 1990s levels, certain areas experience elevated property crime and violent crime rates. According to the FBI’s Uniform Crime Reporting Program, property crimes including vehicle theft, burglary, and theft from vehicles remain concerns in many areas, directly impacting insurance rates and coverage needs.
These crime statistics underscore the importance of comprehensive insurance coverage including adequate liability protection, theft coverage for vehicles and property, security system discounts where available, and enhanced coverage for high-value items. Chicago residents should also consider higher deductibles to offset elevated premiums while maintaining essential coverage.
Chicago is renowned for pioneering modern architecture, from early skyscrapers to Frank Lloyd Wright’s Prairie School homes to contemporary glass towers. The city’s housing stock includes historic brownstones and greystones, vintage Chicago bungalows (one of the city’s most common single-family home types), mid-century apartment buildings, and modern high-rise condominiums.
Real estate values vary dramatically by neighborhood and property type. Median home values range from under $100,000 in some South and West Side neighborhoods to over $1 million in Gold Coast, Lincoln Park, and Lakeview. This wide variation necessitates customized insurance coverage based on specific property values, replacement costs, and neighborhood risk profiles.
Chicago offers extensive public transit through the Chicago Transit Authority (CTA) including elevated trains (“L”) and buses, Metra commuter rail serving suburbs, and ride-sharing services. Many Chicago residents rely partly or entirely on public transit, potentially qualifying for low mileage auto insurance discounts. However, vehicle ownership remains common, and Chicago’s congested traffic, aggressive driving culture, and parking challenges create unique auto insurance considerations including collision coverage, comprehensive protection, and enhanced liability limits.
Chicago is a global business center and the economic capital of the Midwest. The city hosts 36 Fortune 500 company headquarters and numerous international corporations. Key industries include finance (Federal Reserve Bank, CME Group, major banks), technology (growing tech sector in Fulton Market and West Loop), healthcare (major hospital systems and pharmaceutical companies), manufacturing, professional services, and education.
The diverse economy creates varied business insurance needs from manufacturing liability and product liability to professional errors and omissions coverage to cyber liability for tech companies. Chicago’s regulatory environment, including strict building codes, employment regulations, and licensing requirements, makes professional insurance guidance particularly valuable for business owners.
Ready to protect what matters most to you, your family, or your business? Our experienced agents are standing by to provide personalized insurance recommendations tailored to your unique Chicago needs and budget. Whether you need condo insurance for your Gold Coast high-rise, homeowners coverage for your Lakeview brownstone, auto insurance for navigating city traffic, or commercial insurance for your thriving business, we’ll compare options from over 14 top-rated carriers to find you the best coverage at competitive rates.
Contact Hicks Insurance Group Today:
We look forward to serving you and becoming your trusted insurance partner for life. Call us today at (708) 532-7474 to get started with your free, no-obligation quote.
Hicks Insurance Group—delivering expert advice, flexible options, and real relationships you can count on for over 25 years. We’re independent, we understand Chicago’s unique insurance landscape, and we work for you.
Give us a call today and we can help.
Hicks Insurance Group is a proud member of the Chicagoland Chamber of Commerce, supporting the economic powerhouse of the Midwest. As the nation’s third-largest city with 2.7 million residents, Chicago offers unparalleled opportunities across every business sector imaginable. The city’s downtown Loop district, along with thriving neighborhoods throughout the metropolitan area, creates countless commercial opportunities.
The Chicagoland Chamber supports businesses of all sizes through advocacy, networking, workforce development, and connections to resources. Chicago is home to 36 Fortune 500 companies and serves as a global hub for finance, manufacturing, technology, healthcare, and professional services. The city’s world-class infrastructure includes two major airports, extensive public transportation, and the nation’s busiest freight hub.
Chicago’s cultural attractions, universities, and diverse population create a dynamic environment for business innovation and growth. Neighborhoods like the Magnificent Mile, River North, and Fulton Market have transformed into vibrant commercial districts. Small businesses thrive alongside major corporations, benefiting from the city’s entrepreneurial ecosystem, access to capital, and skilled workforce.
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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