Business Insurance

Business insurance is foundational coverage that protects your business from everyday risks so you can focus on growth and success. At Insured ASAP, we are proud to provide business owners with the following types of coverage at the best prices.

Need coverage fast? Call (800) 641-7488 for a free quote. As an independent insurance company, we can help you explore all your commercial insurance options in one place. We will take the time to understand your needs and recommend affordable coverage that fits your needs. Keep reading to learn about business insurance in more detail.

Browse Business Insurance Plans by Industry

For your convenience, you can also browse business insurance plans by industry. Our tailored coverage options are designed to meet the unique needs of your industry, helping you stay secure and prepared for the unexpected.

Types of Essential Business Insurance Coverage

Every business needs these types of coverage.

Workers’ Compensation

If you have any employees, workers’ compensation insurance is required by law.

General Liability Insurance

Think of general liability as your first line of defense. It protects your business if:

• A customer slips and falls in your store
• You accidentally damage a client's property
• You face advertising-related claims

Commercial Property Insurance

Commercial property insurance covers damage from severe weather, fire, theft, and vandalism. It also protects your equipment and inventory, ensuring your business can recover quickly from unexpected events.

Professional Liability Insurance

Professional liability insurance protects you against claims of mistakes, oversights, or negligence in your services. This coverage is particularly important in today's litigious business environment.

Industry-Specific Protection

Other types of insurance may be required depending on the type of business you’re running. Do you own company vehicles? If so, you’ll need commercial auto coverage. Restaurants need specific coverage for food-related risks and liquor liability. Contractors need protection for tools, equipment, and job site incidents. Retail stores need coverage for inventory and customer accidents. Call us at (800) 641-7488 to learn exactly the types of business insurance you need.

Understanding Your Insurance Costs

Wondering about the cost of business insurance? Several factors influence your rates, and we'll help you understand them all. These factors include:

• The nature of your business
• Number of employees
• Claims history
• Coverage choices

All play a role in determining your rates. We'll work with you to find coverage that fits your needs and budget.

Why Choose Insured ASAP for Commercial Insurance in Chicago?

When you make us your commercial insurance company in Chicago, you're getting more than just insurance - you're getting a partner who understands Chicago's business landscape. We know the challenges you face, from seasonal weather risks to neighborhood-specific concerns. Our team makes the insurance process simple: compare multiple quotes instantly, get customized coverage recommendations, and receive support whenever you need it.

Getting Started is Easy

Ready to protect your Chicago business? The process is straightforward: give us a call at (800) 641-7488, tell us about your business, and we'll guide you through your options. We serve businesses throughout Chicago's diverse neighborhoods, from The Loop to Lakeview, Lincoln Park to the West Loop, and everywhere in between.

Business Insurance FAQ

How much does business insurance cost?

There's no one-size-fits-all answer because every business is unique. Your costs will depend on your business’s location, the type of business you run, how many employees you have, and what kind of coverage you need. We'll help you compare rates from multiple insurers to find the most competitive pricing for your situation.

Are businesses required to provide medical insurance?

Companies that employ 50 or fewer full-time workers are not obligated to provide health insurance according to the Affordable Care Act (ACA). In contrast, larger companies could incur penalties for failing to offer affordable health coverage.

What business insurance do I legally need?

Workers' compensation insurance is legally required if you have employees. While other types of coverage aren't legally mandated, they may be required by clients, landlords, or lenders. For example, many commercial leases require general liability insurance.

How quickly can I get covered?

We can get your business covered on the same day. Our streamlined process means you can get a quote, choose your coverage, and have your insurance in place quickly. We understand that time is valuable when you're running a business.

Do you cover small businesses in Chicago?

Absolutely - we provide coverage options for businesses of all sizes. We'll help you find small business insurance in Chicago that fits your needs and budget.

What if my business type isn't common?

Don't worry - we work with a wide range of businesses throughout Chicago. From traditional retail stores to innovative startups, we can help find the right coverage for your unique business. If you have specific concerns about your industry or business type, let's discuss them.

Where else do you offer business insurance?

Our service areas include:

• Chicago
• Arizona
• Colorado
• Texas

Even if your state isn’t listed here, we can still help. Call to learn more.

Get Business Insurance in Chicago, IL

Don't leave your business unprotected. Whether you're just starting or looking to improve your existing coverage, we're here to help. Call (800) 641-7488 or get an online quote now. We'll make sure you get the Chicago business insurance protection you need with a process that's clear, simple, and straightforward.