Bar Insurance Bargains: Effective Ways to Lower Your Premiums
Lower your bar insurance premiums by improving safety, training staff, bundling policies, and reviewing coverage. H...
Pro Insurance Group
Insurance Cost Guides and Coverage Answers
Real premium ranges, coverage breakdowns, and plain answers to the questions people actually ask before they buy. Every guide is written by a licensed advisor on our team and reviewed before it goes live.
274Published guides
20+Carriers we shop
40+States licensed
$0Agency fees
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Latest Guides
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Insurance A Restaurant Needs To Have To Cover Their Restaurant Operations
A restaurant needs general liability, property, workers comp, and more to cover operations. See the essential cover...
Most Common Restaurant Equipment Breakdowns Covered By Insurance
Equipment breakdown insurance covers restaurant fridge, freezer, oven, and HVAC failures. See the most common break...
What Type of Restaurants Need Food Insurance?
From full-service eateries to caterers and cottage food operators, learn which restaurants need food insurance and ...
What Insurance Should Restaurants Have to Protect Their Employees?
Restaurants protect employees with workers compensation, employer liability, and employment practices liability ins...
Insuring Against Mechanical Bull Accidents and Injuries (2026)
Mechanical bull accidents and injuries in 2026: real claim scenarios, how each coverage component responds, common ...
Understanding Property Coverage for Your Rage Room Business
Rage room businesses need commercial property coverage for buildings, breakable inventory, and equipment. See what ...
How Mechanical Bull Operators Minimize Risk Through Insurance (2026)
Mechanical bull risk management framework for 2026 operators: 6 risk layers including equipment, training, restrict...
The Show Must Go On: Insuring Live Acts and Performances at Your Bar
Live acts at your bar add new risks. Learn how liability, liquor, and event coverage protect your Illinois bar when...
Working With an Independent Broker
The questions people ask before they call.
Does it cost more to buy through an independent agency?
No. Pro Insurance Group charges no agency fees, and carrier rates are filed with the state, so the premium is the same whether you buy direct or through us. The difference is that we can put your risk in front of more than 20 carriers instead of one.
Who actually writes these guides?
Licensed advisors on our team. Commercial guides are written by Neal Fusco, VP of Commercial Lines, who has 25 years across both the carrier and agency sides. Personal lines guides are written by Dave Rysavy, VP of Personal Lines. Every guide is reviewed before it publishes.
Are the premium ranges in these guides real?
They are ranges, not quotes. We publish what we see across the carriers we place business with, broken out by business profile or risk factors so you can find the row that looks like you. Your actual premium depends on your specific exposure, claims history, and location.
How long does it take to get a real quote?
A few minutes to start. You give us the basics, an advisor shops your risk across our carrier panel, and you get options with the reasoning behind each one. There is no obligation and no fee to see what is available.
Independent. Local. No agency fees.
Reading Is Smart. Saving Is Better.
You have done the homework. Now let a local advisor shop 20+ top-rated carriers and find your right coverage at the right price. It takes a few minutes and there is no obligation.