From Allstate to Independent: Meet Our Personal Lines Team
Dave Rysavy and Patrick McHugh each ran their own Allstate agency for decades. Why both went independent, and what ...
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.
249Published guides
20+Carriers we shop
40+States licensed
$0Agency fees
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Latest Guides
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Does Home Insurance Cover Fox River Flooding? What to Know
Most home insurance does not cover Fox River flooding. What flood insurance covers, the 30-day wait, basement limit...
How Much Does Jet Ski Insurance Cost in Illinois?
Illinois now requires jet ski insurance starting January 1, 2027. See the new law, what it costs ($100-$800/yr), an...
How Much Does a Business Owners Policy (BOP) Cost?
A business owners policy (BOP) costs $500 to $3,500 a year for most small businesses. See BOP pricing by industry a...
How Much Does Moped & Scooter Insurance Cost in Illinois?
Moped and scooter insurance in Illinois runs about $150 to $400+ a year. What state law requires for each vehicle c...
Which Businesses Need EPLI Insurance?
Most employment claims target businesses under 100 employees, and general liability will not cover them. See which ...
How Much Does Side-by-Side (UTV) Insurance Cost in Illinois?
Side-by-side and UTV insurance in Illinois runs about $180 to $1,200+ a year. What Illinois registration law requir...
How Much Does Trailer Insurance Cost in Illinois?
Trailer insurance is not required by Illinois law, but your auto and homeowners policies leave real gaps. See what ...
How Much Does Restaurant Insurance Cost in 2026?
Restaurant insurance costs $3,000 to $15,000+ a year. See general liability, workers comp, and liquor liability cos...
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.