Business Insurance in Illinois
Running a business in Illinois means managing risk every day. Whether you're a contractor, retailer, landlord, or service business, Hollinger Insurance Services works with multiple commercial carriers to build a policy program that covers your specific operations. We assess your exposures, explain your options, and find coverage that protects your business without unnecessary cost.
Business Insurance Tailored to Your Operations
We don't push a one-size-fits-all package. A general contractor has different exposures than a retail shop or a professional services firm. We take the time to understand your business and match you with the right coverage — whether that's a Business Owners Policy (BOP), standalone general liability, or a more complex commercial program.
Independent — We Work for You, Not a Carrier
As an independent agency, we shop multiple commercial carriers including The Hartford, Travelers, Chubb, and West Bend to find the best coverage and price for your specific business. We're not incentivized to push any one company.
Certificate of Insurance Management
Need to send COIs to general contractors or clients regularly? We issue them quickly and manage your certificate holders so compliance doesn't slow your business down. Our online COI portal is available around the clock.
What's Typically Covered
- ✓General liability
- ✓Commercial property insurance
- ✓Business Owners Policy (BOP)
- ✓Workers compensation
- ✓Commercial auto
- ✓Professional liability (E&O)
- ✓Cyber liability
- ✓Umbrella & excess liability
- ✓Directors & Officers (D&O)
- ✓Inland marine / tools & equipment
Frequently Asked Questions
What is a Business Owners Policy (BOP)?
A BOP bundles general liability and commercial property coverage into one policy at a lower cost than buying separately. It's a great fit for most small to mid-size businesses. We can add endorsements for any additional coverages your business needs.
Is workers comp required in Illinois?
Yes — if you have even one employee in Illinois, you are required to carry workers compensation insurance. Sole proprietors and partners may be exempt, but subcontractors often need their own coverage.
Do I need commercial auto if I use my personal vehicle for work?
Possibly. If you use your personal vehicle to transport tools, equipment, or clients, your personal auto policy may not cover a work-related accident. We'll review your situation and recommend the right coverage.
Connect with Hollinger Insurance Services
Tell us about your business and we'll build a coverage program that fits your operations and your budget.