How to Get a Certificate of Insurance (And How Fast)
Your agent issues a certificate of insurance, usually free and often same day. What to send them, how fast to expec...
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.
275Published guides
20+Carriers we shop
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Latest Guides
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How Much Does Group Home Insurance Cost in 2026?
Group home insurance costs about $3,000 to $25,000+ a year. See general liability, workers comp, and the abuse cove...
What Is a Ghost Policy for Workers Comp?
A ghost policy is a minimum premium workers comp policy that covers no one. See who qualifies, what it costs, and w...
How Much Does Workers Comp Insurance Cost in 2026?
Workers comp costs about $1.09 per $100 of payroll at the national median. See rates by state, the premium formula,...
How Much Does High-Value Home Insurance Cost in Illinois?
See what high-value home insurance costs in Illinois, what counts as high-value, and how PIG shops 20+ carriers to ...
How Much Does Coffee Shop Insurance Cost in 2026?
See what coffee shop insurance costs in 2026 by business profile, plus the equipment breakdown coverage most polici...
How Much Does Motorcycle Insurance Cost in Illinois?
Motorcycle insurance in Illinois typically runs $175 to $420 a year. What the state requires, what it costs, and ho...
How Much Does Pressure Washing Insurance Cost in 2026?
See what pressure washing insurance costs in 2026 by business profile, plus the runoff pollution coverage most poli...
How Much Does Pet Insurance Cost in 2026?
Pet insurance costs about $37 to $130 a month for a dog and $34 to $54 a month for a cat in Illinois. Real 2026 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.