EPLI vs Workers Comp: What's the Difference? (2026)
EPLI covers employment lawsuits like wrongful termination and harassment. Workers comp covers on-the-job injuries. ...
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
Page 5 of 30.
What Does General Liability Insurance Cover? (2026 Guide)
General liability insurance covers third-party bodily injury, property damage, and lawsuits. See what is and is not...
SR-22 Insurance in Illinois: Cost, Rules & How to File (2026)
SR-22 insurance in Illinois explained: what it is, the 3-year rule, minimum 25/50/20 limits, filing fees, and how t...
What Is a Certificate of Insurance (COI)? Small Business Guide
A certificate of insurance (COI) proves your business carries coverage. See what is on a COI, certificate holder vs...
ERISA Compliance Checklist for 2026: Deadlines and Duties
A practical 2026 ERISA compliance checklist: Form 5500 deadlines, SPD and SAR distribution, fidelity bond rules, an...
How Much Does Catering Insurance Cost? [2026 Guide]
What catering insurance covers in Illinois: general liability, liquor liability, commercial auto, and equipment. Re...
Abuse and Molestation Coverage for Assisted Living Facilities
Does assisted living insurance cover abuse and molestation? What it covers, why standard policies exclude it, and h...
How Much Does Bounce House Insurance Cost? 2026 Guide
Bounce house and inflatable rental insurance cost in 2026: premium ranges by operator profile, what drives cost, co...
How Much Does FEC Insurance Cost by Attraction? 2026 Guide
How FEC insurance cost varies by attraction in 2026: bounce house, mechanical bull, trampoline park, paintball, go-...
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.