D&O Insurance for HOA Boards: What Directors Need to Know
HOA D&O insurance protects board members from personal liability. Learn what it covers, typical limits, real claims...
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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Cheap Car Insurance in Elgin, IL: How Drivers Save in 2026
Looking for cheap car insurance in Elgin, IL? Learn how Kane County drivers save hundreds without cutting the cover...
What Does Assisted Living Insurance Cover and Exclude?
What assisted living facility insurance covers, what it excludes like abuse and flood, and how operators close the ...
Does Your Restaurant Qualify for Lower Insurance Rates?
Your liquor sales ratio drives restaurant insurance cost and carrier options. See how alcohol share affects liquor ...
Cheap Home Insurance in Kane County, IL: Are You Really Covered?
Cheap home insurance in Kane County runs about $1,300 to $2,400 a year. See local costs, rate factors, and how to s...
Property and Professional Liability for Assisted Living
How property and professional liability protect assisted living facilities from lawsuits, care claims, and damage, ...
Cheap Tow Truck Insurance: What You Get vs. What You Need
Cheap tow truck insurance often hides dangerous gaps. See what it cuts, where you can save safely, and how to get t...
Tow Truck Insurance in Illinois: Coverage, Cost, and Who to Call
Illinois tow truck insurance in 2026: state and FMCSA requirements, the core coverages, real cost ranges, and what ...
HOA Insurance in Illinois: What Every Board Member Must Know
HOA insurance in Illinois explained. Pro Insurance Group helps boards get the right D&O, property, and liability co...
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.