5 min read
Tow Truck Insurance Cost in 2026: $450-$620/Month Average
Quick Answer: Tow truck insurance averages $450-$620/month ($5,400-$7,440/year) for single-truck operations in 2026,...
Business Insurance
Commercial insurance for every part of your business
From the foundation coverages every business needs to the specialized liability that protects your leadership, your property, and your people, we build the right program and shop it across top-rated carriers. Independent brokers serving Illinois and 40+ states.
Get a Business Quote Call 833-776-467140+
States covered
20+
Commercial coverages
Independent
Multiple carriers
Specialists
Industry programs
Quick Answer: Business insurance protects your company from the costs of lawsuits, property loss, accidents, and professional mistakes. Most businesses start with general liability or a business owners policy, then layer in commercial property, auto, workers compensation, and the management or professional liability lines their operation needs. We build the full program around your actual risk.
Property, auto & foundation coverage
The core coverages nearly every business carries.
General Liability
Third-party bodily injury, property damage, and advertising injury claims.
Commercial Property
Your building, equipment, and inventory against fire, theft, and weather.
Business Owners Policy (BOP)
Property, liability, and business income bundled for small and midsize businesses.
Business Income
Replaces lost income while you recover from a covered shutdown.
Commercial Auto
Liability and physical damage for vehicles your business owns and operates.
Hired & Non-Owned Auto
Protects you when employees drive rented or personal vehicles for work.
Commercial Umbrella
Extra limits above your liability, auto, and other underlying policies.
Workers Compensation
Covers employee injuries and meets state requirements when you have staff.
Management & professional liability
Coverage for the decisions, advice, and data your business is responsible for.
Directors & Officers
Protects the personal assets of your leadership against management claims.
Employment Practices (EPLI)
Defends claims of discrimination, harassment, and wrongful termination.
Errors & Omissions
Professional liability for claims of negligent or inadequate work.
Fiduciary Liability
Protects against claims tied to managing employee benefit plans.
Employee Benefits Liability
Covers errors in administering your employee benefit programs.
Cyber Liability
Covers the financial fallout of a data breach or cyber event.
Specialty commercial coverages
Targeted protection for specific exposures and industries.
Pollution Liability
Covers third-party claims from pollutants released during operations.
Product Recall
Covers the cost of recalling a product that could cause harm.
Abuse & Molestation
Essential for organizations that serve children, seniors, and vulnerable people.
Garage Keepers
Protects customer vehicles in the care of auto-service businesses.
Employee benefits
Group Health
Health plans that help you attract and keep good employees.
Need coverage built for your industry?
Beyond these core lines, we build complete programs for specific industries, including trucking and transportation, contractors and trades, restaurants and hospitality, HOAs and associations, and senior living. See our full specialty insurance lineup.
What our clients say
Why businesses choose Pro Insurance Group
Independent market access
We compare top-rated carriers on coverage and price instead of selling one company's products.
Built around your risk
We cover the exposures that matter to your business and skip the coverage you do not need.
Group captive access
For larger accounts with strong safety records, group captives can deliver better long-term pricing.
Real humans
A licensed advisor manages your account from quote through renewal, claims, and certificates.
Business insurance FAQ
What types of business insurance does Pro Insurance Group offer?
We write the full range of commercial coverage, including general liability, commercial property, business owners policies, commercial auto, workers compensation, cyber, and the full suite of management and professional liability lines such as directors and officers, EPLI, and errors and omissions. We also place specialty coverages like pollution, product recall, abuse and molestation, and garage keepers.
What is a business owners policy (BOP)?
A business owners policy bundles commercial property, general liability, and business income into one policy at a lower combined cost. It is built for small and midsize businesses and is often the simplest place to start before adding specialized coverages.
How do I know which commercial coverages my business needs?
It depends on your industry, size, property, employees, and the contracts you sign. A licensed advisor reviews your operation, identifies the exposures that matter, and builds a program that covers them without paying for coverage you do not need.
Does Pro Insurance Group write specialty and industry-specific policies?
Yes. Beyond core commercial lines, we build industry-specific programs for trucking, towing, contractors, restaurants, HOAs, senior living, and many others. We also access group captive programs for larger accounts with strong safety records.
What does business insurance cost?
Cost depends on your industry, revenue, payroll, property values, claims history, and the coverages you carry. A general liability policy and a bundled BOP are usually the most affordable starting points, while specialized liability lines are priced to the specific risk. We shop multiple carriers to find the best value.
Let's build the right program for your business
Tell us about your operation and a licensed advisor will identify your exposures, shop top-rated carriers, and put a complete commercial program in front of you. No pressure.
Get a Business Quote Call 833-776-4671NF
Reviewed by Neal Fusco, VP Commercial Lines
25+ years building commercial insurance programs for businesses across Illinois and 40+ states.
4 min read
Host Liquor vs. Liquor Liability Insurance: The Difference (2026)
Neal Fusco: Apr 17, 2023
Quick Answer: Host liquor liability covers businesses that allow alcohol to be consumed but do not sell or serve it,...
2 min read
Illinois Commercial Truck Insurance: What You Need to Know in 2026
Pro Insurance Group: Apr 10, 2023
Illinois is one of the nation’s busiest freight hubs, connecting major interstates and supporting everything from...