Neal Fusco

Why a Carrier Background Matters for Your Business

Neal spent 16 years at Zurich North America working in workers' compensation managed care and claims. That is the side of the business most agents never see: how claims are handled, how medical costs are managed, and how an underwriter decides whether an account is a good risk.

In 2017 he moved to the agency side to use that knowledge for business owners instead of a single carrier. Today he leads commercial lines at Pro Insurance Group, where he can take an account to 20+ carriers instead of one.

His approach is straightforward: understand how your operation actually runs, present it to underwriters the way they need to see it, and explain plainly what is driving your premium and what you can do about it.

Industries Neal Specializes In

• Workers' compensation insurance for Illinois employers, including Illinois requirements and premium audits
• Trucking insurance, from owner-operators to fleets, and towing insurance
• Contractor insurance for roofing, HVAC, plumbing, electrical and excavation trades
• HOA insurance and condo association insurance
• Assisted living and senior living facility insurance
• Core coverage: general liability, commercial auto, commercial umbrella, cyber and errors and omissions

What Business Owners Can Expect

• One submission, 20+ carriers. Your information is gathered once and taken to the markets that fit your operation.
• A review before a quote. Send your declarations pages and loss runs, and Neal will walk you through what you have and where the gaps may be.
• Help with the numbers behind workers' comp. Claims, return-to-work and premium audits all affect what you pay, and Neal explains how.
• A second look every renewal. Your program gets re-marketed when it makes sense instead of auto-renewing.

Common Questions About Neal Fusco

Quotes and coverage are subject to each carrier's underwriting. Comparing carriers does not guarantee a lower price. Pro Insurance Group is an independent insurance agency.