4 Common Cyber Liability Issues Businesses Face
The 4 biggest cyber liability issues businesses face: phishing/BEC, ransomware, data breach, business interruption....
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.
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Latest Guides
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What Is D&O Insurance? Directors & Officers Coverage Guide
D&O insurance protects directors and officers from personal liability for management decisions. See Side A, B, C co...
Employers Liability Insurance: What It Covers | Pro Insurance
Employers liability insurance is Part Two of workers comp. It pays legal defense and settlements when employees sue...
What Is Not Covered By Homeowners Insurance?
What homeowners insurance doesn't cover: flood, earthquake, sewer backup, mold, pests, and hidden sublimits. Plus t...
What Type Of Water Damage Is Covered By Homeowners Insurance?
Sudden water damage covered, gradual leaks excluded, and the endorsements every Illinois homeowner should know. Ful...
What Is Cyber Liability Insurance?
Cyber liability insurance covers the cost of data breaches, ransomware, and lawsuits. Learn what it includes and wh...
What Is Errors & Omissions Insurance?
What E&O insurance is, what it covers, claims-made policies and retroactive dates explained. Neal Fusco breaks down...
What Does Business Interruption Insurance Cover? 2026 Guide
Business interruption insurance replaces lost income after covered property damage. See what it covers, what it exc...
What Is Employment Practices Liability Insurance?
EPLI protects your business when employees sue over wrongful termination, discrimination, or harassment. See what i...
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.
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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.