Workers Comp Audit: What to Expect and 7 Signs You Are Overpaying
Every workers comp policy gets audited. Learn what to expect, how to prepare, and the 7 signs your audit overcharge...
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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Workers Comp Class Codes: How Misclassification Quietly Overcharges You
Workers comp class codes set your rate per $100 of payroll. Learn how codes work, the misclassification errors that...
What Is an Experience Modification Rate? (And How Errors Inflate Your Premium)
Your e-mod multiplies your workers comp premium. Learn how the experience modification rate is calculated, what err...
Storm Damage Insurance Claims in Elgin and Huntley, IL: What to Do Before You Sign Anything
Hail or wind damage in Elgin or Huntley? Learn what your policy covers, how wind/hail deductibles work, and what ne...
What Does EPLI Cover? Claim Examples and Exclusions (2026)
See what EPLI insurance covers, real claim examples, and the exclusions to watch, so your business knows exactly wh...
How to Choose a Senior Living Insurance Broker in Illinois
How to choose a senior living insurance broker in Illinois: pick a specialist who knows professional liability, abu...
Do Illinois HOA Board Members Need D&O Insurance?
Do Illinois HOA board members need D&O insurance? For condos it is required by law; for other HOAs, usually by the ...
How to Choose an Illinois Insurance Broker (2026)
How to choose an Illinois insurance broker: compare carrier access, niche fit, claims support and fees to pick the ...
How Much Is Renters Insurance in Illinois? (2026 Cost)
Renters insurance in Illinois averages about $15 to $26 a month. What drives your rate, whether it is required, and...
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.