The area known as Fox Valley is made up of several communities in Illinois. This area is located in the Rust Belt. It's home to people from all walks of life, and is a diverse place to live. From urban to rural, Fox Valley has something for everyone.
When you're one of the 1,200,000 small business owners in Illinois, you'll want protection. Fortunately, an independent insurance agent can help you find a policy for an affordable price. Connect with a local adviser today to begin your search.
Insurance in Fox Valley, IL, That Will Protect Your Business and Your Staff
Some policies will add value to your business and your employees. When you need protection for your staff, use a trusted adviser. Get with a Fox Valley independent agent for quotes on these types of insurance:
Worker's compensation insurance
Fox Valley, IL, requires every employer to carry worker's compensation coverage if they have one or more employees. Worker's compensation insurance will pay for lost wages and medical expenses when an employee is injured on the job. Speak with a Fox Valley independent agent for options.
Employee benefits coverage
If you're trying to attract and retain employees, so is everyone else. There are about 2,500,000 people in Illinois employed by small businesses. Employee benefits coverage is a great way to add value. It will contribute to your staff's health insurance costs and more. Contact a Fox Valley independent agent for package options.
Will Your Fox Valley, IL, Business Have Coverage for a Liability Loss?
In Illinois, there were $16,998,439 in commercial claims in 2019 alone. If you want to avoid any part of that hitting your bottom line, get a local adviser in your corner. Speak with an independent agent about the following liability coverages:
Cyber liability insurance
When your company gets hacked, cyber liability insurance can save the day. It will provide coverage for damages arising out of a cyberattack. Get with a Fox Valley independent agent for quotes.
General liability insurance
General liability insurance will help pay for a lawsuit arising out of bodily injury and property damage. With this being your foundational policy, you'll need adequate limits. Get with a Fox Valley independent agent for review.
Business interruption insurance
Business interruption insurance will pay for your regular business expenses when a catastrophe closes your doors. Usually, coverage lasts 12 to 24 months, depending on the carrier. Contact a Fox Valley independent agent for details.
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Will Your Fox Valley Commercial Property Have Enough Protection?
Not all business insurance is created the same. Some won't have enough coverage for a loss. A lot of commercial property policies will only supply 80% of the building's value. To get the right insurance, speak with an agent about the following items concerning your property:
- Protective devices in place
- Market value and replacement cost
- Year built and structural make-up
- Total square footage
- Operations that occupy the property
- Prior property claims
Common property risks in Fox Valley, IL:
- Severe storms and lightning damage
- Flooding and water damage
- Heavy snow
- Burglary and other property crimes
Do you have flood insurance for your commercial property?
Commercial property insurance will exclude coverage for flood damage. For that, you'll need separate flood insurance to have protection. Contact a Fox Valley independent agent for FEMA-approved quotes.
How to Connect with an Independent Insurance Agent in Fox Valley, IL
Your business policy is essential. An independent insurance agent can help with coverage and premium. Since they have access to several markets, you'll have options. An independent agent works on your behalf at no cost to your company.
When you use an adviser, you'll get insurance for an affordable price. Connect with one of the 1,184 local experts on trustedchoice.com. They have a find-an-agent resource to get you matched fast.
TrustedChoice.com Article | Reviewed by Jeffrey Green
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