Independent Broker
20+ Top Carriers
$0 Broker Fees
Licensed Advisors
Quick Answer: Pro Insurance Group delivers your insurance proposal as a personal secure link by text or email. A licensed advisor shops 20+ top carriers first, then a 3-minute guided walkthrough shows your options side by side in plain English, with the advisor's recommendation and reasoning in writing. You choose your option, your extras, and how you want to pay. Nothing binds online: coverage is final only after you review it with your advisor, sign, and the carrier confirms in writing.
Buying insurance has not kept up with the way you buy everything else. You can track a pizza to your door, but a business insurance quote still means phone tag, a 40-page PDF, and a "trust me" from someone you just met. We decided our clients deserved better, so we built it: Pro Hub, the guided buying experience every Pro Insurance Group proposal now arrives in. It works the same whether we are shopping business insurance across our specialty programs or a home and auto package for your family.
The old way vs. the new way
| The old way | The Pro Hub way |
|---|---|
| Days of phone tag to hear your quote read out loud | A personal secure link by text or email, ready when you are |
| A 40-page PDF written in insurance jargon | Your options side by side in plain English, differences explained in one paragraph |
| "Just trust me" recommendations over the phone | Your advisor's recommendation and the reasoning behind it, in writing |
| Coverage gaps you discover at claim time | Every optional coverage offered, explained in one sentence, and documented, including the ones you decline |
| An awkward payment conversation after you have already said yes | Pay in full, finance it, or set up monthly installments, online, on your terms |
How the 3-minute walkthrough works
Before you ever see a proposal, a licensed advisor has already shopped your risk across our carrier lineup and a licensed producer has reviewed and approved every word. Then the link arrives, on the channel you choose: text, email, or both. Prefer to do the whole thing over the phone with your advisor instead? That works too. Same experience, your channel.
Step 1
See your options, not a sales pitch
Your carrier options appear side by side: price, deductibles, and what actually differs between them, summarized in plain English. Your advisor's recommendation is right there with the reasoning spelled out, so you can see why, not just what. The gold badge is a professional opinion you can hold us to, not a sales trick.
Step 2
Optional protection, in plain English, your call
Every additional coverage available to you is explained in one sentence, like "Motor Truck Cargo: covers the freight in your care, custody, and control." Tap "Quote it for me" if you want pricing (no obligation) or "No thanks" if you do not. Either way, your choice is documented to your file, so there is never a question about what you were offered and what you decided. You can change your mind anytime.
Step 3
Handle payment your way
Pay in full, put down a portion and spread the rest over monthly installments through a premium finance plan, or tell us you are not sure yet and talk it through with your advisor. It is clearly labeled a preference, not a commitment, and payment amounts stay estimates until the carrier or premium finance company confirms the final figures. When you are ready, you can pay or set up financing online.
Step 4
Review, confirm, and talk to a human
You see everything you chose in one place, add any questions, and confirm with your name and initials. This is explicitly not a binder: nothing is final until you review it with your advisor, you sign, and the carrier confirms in writing. The moment you confirm, your advisor has your selections and follows up to finish the job.
Product screens shown with sample data for illustration. Premiums and payment amounts are estimates until confirmed by the carrier.
Why clients love buying insurance this way
See your options, not a sales pitch
Side-by-side carrier comparison with your advisor's reasoning in writing. You decide with the facts in front of you.
Insurance in plain English
Every coverage explained in one sentence. No jargon, no pressure, and no obligation on anything you ask us to quote.
Shop your way
Text, email, or a phone call with your advisor. Same experience on every channel, and it works identically on phone and desktop.
Three minutes, on your phone
The whole guided walkthrough takes about three minutes. Read the full designed proposal PDF first if you want the detail.
A human stands behind it
We are an independent broker. A licensed advisor shops every top carrier, reviews every proposal before you see it, and nothing is final until you talk and sign.
Want your next proposal to work this way?
Get My Free QuoteEvery choice documented, so you are never guessing what you bought
Most coverage disputes start the same way: "nobody ever offered me that." Pro Hub ends that conversation before it starts. Every optional coverage we offer you, every "quote it for me," and every "no thanks" is recorded to your file automatically. If your operation changes next year and you want to add a coverage you passed on, it is one tap, not an archaeology project. That is protection for you, in writing, from day one.
And because we are an independent brokerage, the comparison is real. We shop your risk across 20+ top carriers in 40+ states, from trucking and towing to HOA and community associations to home and auto, with $0 broker fees. Your Coverage, Professionally Shopped.
What our clients say
Frequently Asked Questions
Is it better to buy insurance online or through an agent?
You no longer have to choose. Buying direct online is fast but leaves you to interpret coverage on your own; a traditional agent gives advice but the process is slow. Pro Hub combines both: a licensed advisor shops 20+ carriers and writes a recommendation with reasoning, and you review everything online in about 3 minutes on your phone, then finish with a human before anything is final.
What is the difference between an insurance broker and an agent?
A captive agent represents one insurance company and can only sell that company's products. An independent broker like Pro Insurance Group represents you, shops your risk across many carriers (we work with 20+), and recommends the best fit. With Pro Hub you see that comparison side by side instead of taking our word for it.
How do insurance brokers get paid? Do I pay more for using one?
Brokers are paid a commission by the insurance carrier that wins your business; it is built into the premium whether you use a broker or not. Pro Insurance Group charges $0 broker fees, so you get the market shopped, the advice, and the guided buying experience at no added cost.
How long does it take to get an insurance proposal?
Once your advisor has your information and carrier quotes in hand, your Pro Hub proposal is prepared, reviewed by a licensed producer, and delivered to your phone or inbox, typically within days rather than weeks for most accounts, and the review itself takes about 3 minutes. Complex commercial risks can take longer because carriers underwrite them individually.
Can I bind coverage online through Pro Hub?
No, and that is deliberate. Confirming your selections in Pro Hub tells your advisor what you want; it is not a binder. Coverage binds only after you review with your licensed advisor, sign, and the carrier confirms in writing. That final human checkpoint is how mistakes get caught before they become claim problems.
How do I switch insurance companies without a coverage gap?
Do not cancel your current policy first. We line up your new coverage, set the effective date, and handle the switch, including helping cancel the old policy once the new one is confirmed, so there is never a day without protection. If you share your current policy's declarations pages, your proposal even shows a current-versus-proposed comparison.
What is an independent insurance agency?
An independent agency is not owned by or committed to any single insurance company. Pro Insurance Group is an independent agency founded in 2017, based in Elgin, Illinois, writing personal and commercial insurance in 40+ states through 20+ carriers. Independence is what makes a real side-by-side comparison possible.
What if I decline a coverage and change my mind later?
Every coverage you were offered stays documented in your file, so adding one later is a quick call or message to your advisor, and you can request a quote for any declined coverage at any time. Nothing about your walkthrough answers locks you in.
Ready to see your options?
Tell us about your business or your home and auto, and a licensed advisor will shop every top carrier and send your proposal to your phone. No pressure, no jargon, no broker fees.
Prefer to talk? Call 833-776-4671. Personal lines: text "quoteme" to 312-878-9416.
Reviewed by Chris Bakes, President & Founder, Pro Insurance Group. Chris founded Pro Insurance Group in 2017 to give personal and commercial clients a better way to buy insurance: every top carrier shopped, plain-English advice, and a licensed advisor behind every recommendation.