# Pro Insurance Group

> Independent insurance brokerage serving commercial, specialty, and personal lines clients across Illinois and 40+ states, with offices in Elgin and Huntley, IL. We compare multiple top-rated carriers to place the right coverage at the best rate.

Pro Insurance Group is an independent agency, not a captive agent, so we shop the market on the client's behalf rather than selling a single company's policies. We specialize in hard-to-place commercial and specialty niches and provide hands-on local service for Illinois personal lines. Main line: 833-776-4671. Email: info@proinsgrp.com.

## How We Work

- [The New Way to Buy Insurance (Pro Hub Buying Experience)](https://www.proinsgrp.com/buying-experience): How buying insurance works at Pro Insurance Group: a licensed advisor shops 20+ top carriers, then clients review carrier options side by side in plain English with the advisor's written recommendation, choose optional coverages, set a payment preference, and confirm in about 3 minutes on their phone. Explains the difference between an insurance broker and an agent, how brokers get paid ($0 broker fees), how to switch insurance companies without a coverage gap, and why nothing binds online (a licensed advisor reviews and the carrier confirms in writing).

## Specialty Commercial Insurance
- [Habitational Insurance](https://www.proinsgrp.com/specialty/habitational-insurance/): Commercial property and liability for apartment buildings, multi-family and rental portfolios of five or more units, including lessors risk only (LRO) for mixed-use owners.
- [HOA & Community Association Insurance](https://www.proinsgrp.com/specialty/hoa-insurance/): Master property, directors and officers, general liability, and crime coverage for homeowner and condo associations nationwide.
- [Condo Association Insurance](https://www.proinsgrp.com/specialty/hoa-insurance/condo-association-insurance/): Master policy and association coverage built specifically for condominium boards.
- [Commercial Trucking Insurance](https://www.proinsgrp.com/specialty/trucking-insurance/): Coverage for owner-operators and fleets, including auto liability, physical damage, and cargo.
- [Box Truck Insurance](https://www.proinsgrp.com/specialty/trucking-insurance/box-truck-insurance/): Commercial and cargo coverage for box truck operators, including 26-foot units.
- [Towing & Tow Truck Insurance](https://www.proinsgrp.com/specialty/towing-insurance/): On-hook, garage keepers, and liability coverage for towing and recovery operators.
- [Assisted Living & Senior Care Facility Insurance](https://www.proinsgrp.com/assisted-living-facility-insurance): Layered programs covering professional liability, abuse and molestation, property, and workers compensation for senior care facilities.
- [Cyber Liability Insurance](https://www.proinsgrp.com/business/cyber-liability-insurance): Data breach, ransomware, and network liability coverage for small and mid-size businesses.
- [Cleaning Business Insurance](https://www.proinsgrp.com/specialty/cleaning-business-insurance/): Liability and bonding coverage for residential and commercial cleaning companies.
- [Pressure Washing Insurance](https://www.proinsgrp.com/specialty/pressure-washing-insurance/): General liability and equipment coverage for pressure washing contractors.
- [Landscaping Insurance](https://www.proinsgrp.com/specialty/landscaping-insurance/): Liability, commercial auto, and equipment coverage for landscaping and lawn care businesses.
- [Contractor Insurance](https://www.proinsgrp.com/contractor-insurance): General liability, tools, and trade coverage for general contractors and trades including electricians, HVAC, and plumbers.
- [Excavation Contractor Insurance](https://www.proinsgrp.com/excavation-contractor-insurance): General liability with underground coverage, equipment, commercial auto, and workers comp for excavation, grading, and site-work contractors.
- [Staffing Agency Insurance](https://www.proinsgrp.com/specialty/staffing-agency-insurance): Hard-to-place and high-mod workers compensation, general liability, professional liability, EPLI, and hired and non-owned auto for staffing and temporary employment agencies, including non-PEO pay-as-you-go programs.
- [Gymnastics, Cheer & Dance Studio Insurance](https://www.proinsgrp.com/specialty/gymnastics-cheer-dance-insurance): General and participant liability, abuse and molestation, professional liability, and property coverage for gymnastics schools, cheer gyms, dance studios, and tumbling or ninja facilities.
- [Photography Insurance](https://www.proinsgrp.com/specialty/photography-insurance): General liability, professional liability/E&O, and equipment/inland marine coverage for photographers and videographers, plus commercial auto for gear transport.
- [Salon & Spa Insurance](https://www.proinsgrp.com/specialty/salon-spa-insurance): General liability, professional liability, and property coverage for hair salons, nail salons, barber shops, estheticians, and massage therapy businesses.
- [Event & Wedding Insurance](https://www.proinsgrp.com/specialty/event-wedding-insurance): Special event liability for festivals, fundraisers, and one-day events, plus wedding liability and cancellation coverage for couples, venues, and vendors.
- [Food Truck Insurance](https://www.proinsgrp.com/specialty/food-truck-insurance): General liability, commercial auto, kitchen equipment/property, product liability, and workers compensation for food trucks and mobile food vendors.
- [Allied Health & Therapy Practice Insurance](https://www.proinsgrp.com/specialty/allied-health-therapy-insurance): Professional liability/malpractice, general liability, cyber, and workers compensation for physical, occupational, and speech therapy practices and athletic trainers.
- [Law Firm Insurance](https://www.proinsgrp.com/specialty/law-firm-insurance): Lawyers professional liability/legal malpractice, general liability, cyber, EPLI, and business owners policy coverage for law firms.
- [Short-Term Rental Insurance](https://www.proinsgrp.com/specialty/short-term-rental-insurance): Property, guest liability, and lost rental income coverage for Airbnb and VRBO hosts, multi-unit portfolios, and arbitrage operators.
- [Self Storage Facility Insurance](https://www.proinsgrp.com/specialty/self-storage-insurance): Property, tenant goods legal liability, general liability, and business income coverage for self storage facility owners.
- [Security Guard Insurance](https://www.proinsgrp.com/specialty/security-guard-insurance): General liability, professional liability, and workers compensation for armed and unarmed security guard companies.
- [Chiropractor Insurance](https://www.proinsgrp.com/specialty/chiropractor-insurance): General liability, professional liability/malpractice, business property, cyber, and workers compensation for chiropractic practices.

## Retail & Store Insurance
- [Retail Business Insurance](https://www.proinsgrp.com/specialty/retail-business-insurance): Hub for retail store coverage, from a business owners policy to specialty retail, including general liability, property, product liability, crime, and business income.
- [Cannabis & CBD Business Insurance](https://www.proinsgrp.com/specialty/cannabis-insurance): Product liability, property and crop, general liability, and workers comp for dispensaries, cultivators, processors, and CBD retailers through specialty markets.
- [Vape & Smoke Shop Insurance](https://www.proinsgrp.com/specialty/vape-smoke-shop-insurance): Product liability, property, theft, and business income for vape shops, smoke shops, tobacconists, and hookah lounges.
- [Convenience Store Insurance](https://www.proinsgrp.com/specialty/convenience-store-insurance): General liability, property, crime, and business income for convenience stores, with alcohol and fuel add-ons.
- [Gas Station Insurance](https://www.proinsgrp.com/specialty/gas-station-insurance): Underground storage tank pollution, property, general liability, and crime coverage for fuel retailers.
- [Grocery Store Insurance](https://www.proinsgrp.com/specialty/grocery-store-insurance): Spoilage and equipment breakdown, food liability, property, and general liability for grocers and specialty food markets.
- [Jewelry Store Insurance](https://www.proinsgrp.com/specialty/jewelry-store-insurance): Jewelers block, property, general liability, and crime coverage for high-value jewelry inventory.
- [Liquor Store Insurance](https://www.proinsgrp.com/specialty/liquor-store-insurance): Liquor liability, property, general liability, and crime coverage for package and liquor stores.
- [Tattoo & Piercing Studio Insurance](https://www.proinsgrp.com/specialty/tattoo-shop-insurance): Professional liability for body art, general liability, property, and products coverage for tattoo and piercing studios.

## Auto Services
- [Auto Body Shop Insurance](https://www.proinsgrp.com/specialty/auto-body-shop-insurance): Garage liability, garagekeepers, property, and workers comp for collision and body shops, including direct repair program (DRP) requirements and certificates.
- [Auto Repair Shop Insurance](https://www.proinsgrp.com/specialty/auto-repair-shop-insurance): Garage liability with completed operations, garagekeepers, tools, and workers comp for mechanical repair and service shops.
- [Car Dealership Insurance](https://www.proinsgrp.com/specialty/car-dealership-insurance): Dealers open lot, garage liability, garagekeepers, and F&I errors coverage for franchise and independent auto dealers.
- [Auto Detailing Insurance](https://www.proinsgrp.com/specialty/auto-detailing-insurance): General liability, garagekeepers, tools, and commercial auto for detail shops and mobile detailers.

## Commercial Lines
- [Certificate of Insurance (COI)](https://www.proinsgrp.com/business/certificate-of-insurance): What a COI shows, what an ACORD 25 is, the difference between a certificate holder and an additional insured, and how to request one.
- [Errors and Omissions Insurance Cost](https://www.proinsgrp.com/business/errors-omissions-insurance/cost): E&O averages about $76 to $88 a month for a small business. Premium ranges by profession from notaries at $41 to architects and engineers at $239, plus the seven rating factors.

- [Business & Commercial Insurance](https://www.proinsgrp.com/business): Full commercial program placement for Illinois and multi-state businesses.
- [General Liability Insurance](https://www.proinsgrp.com/business/general-liability-insurance): Third-party bodily injury and property damage coverage for businesses.
- [Garage Liability Insurance](https://www.proinsgrp.com/business/garage-liability-insurance): Premises, operations, and completed-work liability for businesses that repair, service, park, or sell vehicles.
- [Garage Keepers Insurance](https://www.proinsgrp.com/garage-keepers-insurance): Coverage for customer vehicles in a shop's care, custody, and control, including direct primary and legal liability forms.
- [Workers Compensation Insurance](https://www.proinsgrp.com/business/workers-compensation-insurance): Coverage for employee work-related injuries and illnesses.
- [Workers Comp Premium Audit & Recovery](https://www.proinsgrp.com/business/workers-comp-premium-audit): Free review of class codes, payroll, and experience mod to find and recover premium overcharges.
- [Employment Practices Liability (EPLI)](https://www.proinsgrp.com/business/employment-practices-liability-insurance): Protection against wrongful termination, discrimination, and harassment claims.

## Personal Insurance
- [Auto Insurance](https://www.proinsgrp.com/personal/auto-insurance): Personal auto coverage with multi-carrier comparison for Illinois drivers.
- [Home Insurance](https://www.proinsgrp.com/personal/home-insurance): Homeowners coverage for property and personal liability.
- [Condo Insurance (HO-6)](https://www.proinsgrp.com/personal/condo-insurance): Unit-owner HO-6 coverage for interiors, belongings, liability, and loss assessments, matched to the association's master policy type.
- [Vacant Home Insurance](https://www.proinsgrp.com/personal/vacant-home-insurance): Dedicated coverage for empty homes standard policies exclude: estates, renovations, sales, and rentals between tenants, with short flexible terms.
- [Insurance Coverage Checkup (free tool)](https://www.proinsgrp.com/coverage-checkup): Free 60-second tool that scores home, auto and umbrella coverage 0 to 100 and names the specific gaps in plain English.
- [How Much Insurance Do I Need](https://www.proinsgrp.com/personal/how-much-insurance-do-i-need): Coverage sizing benchmarks: 100/300/100 auto liability, dwelling at full replacement cost above the 80 percent coinsurance threshold, umbrella at least equal to net worth.
- [How Much Car Insurance Do I Need](https://www.proinsgrp.com/personal/auto-insurance/how-much-do-i-need): What the three liability numbers mean, why state minimums fall short, and when to move from 100/300/100 to 250/500/250 plus umbrella.
- [How Much Home Insurance Do I Need](https://www.proinsgrp.com/personal/home-insurance/how-much-do-i-need): Replacement cost versus market value, the 80 percent coinsurance rule with a worked example, and how personal property and liability limits are sized.
- [How Much Umbrella Insurance Do I Need](https://www.proinsgrp.com/personal/umbrella-insurance/how-much-do-i-need): Sizing umbrella to net worth, average cost of about $380 a year for $1 million, and the underlying auto and home limits carriers require.
- [Landlord & Rental Property Insurance](https://www.proinsgrp.com/personal/landlord-insurance): Dwelling fire (DP-3) coverage for single family rentals, duplexes and rental condos, including the building, owner liability and loss of rental income, placed in 40+ states.
- [Landlord Insurance Cost](https://www.proinsgrp.com/personal/landlord-insurance/cost): Real premium ranges by dwelling limit and property type, the national average of about $1,478 a year, and the eight factors that set a landlord rate.
- [Illinois Landlord Insurance](https://www.proinsgrp.com/personal/landlord-insurance/illinois): Illinois rental property coverage by region, what state law requires, and the four exposures common to Illinois rentals including sewer backup and Fox River flood zones.
- [High Net Worth & Private Client Insurance](https://www.proinsgrp.com/personal/high-net-worth-insurance): High value home, private client auto, umbrella, and collections through Chubb, Hanover, and AIG for households with substantial assets.
- [Jewelry & Engagement Ring Insurance](https://www.proinsgrp.com/personal/jewelry-insurance): Scheduled and standalone jewelry coverage for rings, watches, and collections, including loss and mysterious disappearance.
- [Second Home & Vacation Home Insurance](https://www.proinsgrp.com/personal/second-home-insurance): Coverage for seasonal and secondary properties in 40+ states, coordinated with the primary Illinois program.
- [Pet Insurance](https://www.proinsgrp.com/personal/pet-insurance): Accident and illness coverage for dogs and cats with any-vet flexibility.

## Locations
- [Elgin, IL Insurance Agency](https://www.proinsgrp.com/locations/elgin-il-insurance-agency/): Headquarters office serving Elgin and Kane County at 2521 Technology Dr, Suite 201.

## Get a Quote
- [Commercial Insurance Quote](https://www.proinsgrp.com/request-a-quote-commercial-insurance): Request a quote for business, commercial, and specialty coverage.
- [Auto & Home Quote](https://www.proinsgrp.com/request-an-auto-or-home-insurance-quote): Request a personal auto or homeowners quote.
- [HOA Insurance Quote](https://www.proinsgrp.com/request-a-quote-hoa-insurance): Request a community association quote.
- [Trucking & Towing Quote](https://www.proinsgrp.com/request-a-quote-trucking-towing): Request a trucking or towing quote.
- [General Quote](https://www.proinsgrp.com/request-a-quote): R