When Do Businesses Need Commercial Umbrella Insurance Coverage?
When businesses need commercial umbrella insurance, what it covers, how much it costs, and the 7 industries that al...
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.
253Published guides
20+Carriers we shop
40+States licensed
$0Agency fees
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Latest Guides
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Independent vs Captive Insurance Agent: Which Saves You More in IL?
Independent vs. captive agent for Illinois business: independents shop 20+ carriers and specialty markets. See the ...
7 Risks Assisted Living Facilities Face Without Proper Insurance
The 7 biggest risks assisted living facilities face without proper insurance, from resident injuries to cyber breac...
How Assisted Living Insurance Supports Safety and Stability
How each assisted living insurance coverage supports resident safety, regulatory compliance, and day-to-day operati...
Cyber Insurance for Contractors in 2026: Wire Fraud Protection Guide
Cyber liability insurance for construction averages $1,000-$2,500/year in 2026. See wire fraud risks, coverage esse...
Cyber Insurance for Manufacturers in 2026: Cost & Coverage Guide
Cyber liability insurance for manufacturers averages $3,500-$10,000/year in 2026. See real ransomware risks, covera...
Illinois Homeowner Insurance for First-Time Homebuyers
Illinois first-time buyer's guide to homeowners insurance: lender requirements, HO-3 vs HO-5, flood and mine subsid...
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...
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 ...
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.