Business Insurance

Spasa Affordable Insurance offers business insurance - commercial auto insurance to customers in Libertyville, Chicago, Niles, Des Plaines, Norridge, Glenview, Skokie, Rockford, Schaumburg, Lyons,  Illinois accross Illinois and as well in Indiana, Wisconsin, Ohio and Michigan. We also provide insurance coverage for your auto, life, home and more

Illinois Business Insurance: Whether for-profit or nonprofit, small businesses should have certain kinds of business insurance in Illinois. Illinois Liability insurance is highly recommended for property and automobiles. Worker’s Compensation Insurance is state-required when you have employees

Part of the decision about what insurance to buy depends on the nature of the business. For example, if it has a lot of assets, it might consider theft and property damage insurance. You may want life insurance on you and other critical personnel in your organization. You also may want to consider various other forms of insurance, for example, Directors and Officers (if you have a Board of Directors) or business interruption

Some of the Business Insurance Companies we represent:

Nationwide, AIG, Progressive, Safeco, Hartford, Lexington, Pen American, Liberty Mutual, Travel, Northland, Skottsdale

Business Insurance quotes are available in all of Illinois, Indiana, Wisconsin, Michigan, Ohio including Chicago, Rockford, Aurora, Naperville, Peoria, Springfield, Waukegan, Gurnee, Grayslake, Round Lake, McHenry, Cicero, Elgin and all other Illinois, Indiana, Wisconsin, Michigan, Ohio areas. 

Insurance Coverage for your Illinois Business

The purpose of Illinois Business insurance is to transfer a risk that you can afford (i.e. the payment of a premium with no guarantee of its return) to cover a risk you cannot afford. For example, what homeowner does not insure his or her personal residence from damage by fire?
Besides your attorney and accountant, another professional you will need to bring into the start-up process will be your insurance agent. It may be helpful to have one agent who can handle all of your insurance needs. There are policies available that are specifically designed to cover small businesses that, in one package, will cover most of your insurance needs.

“Your Illinois Business Insurance is not only going to be important to you, but it will be important to your other business relationships. For example, if you choose to lease office space, the landlord will typically require that you furnish a certificate of insurance or be listed as an additional insured on your policy as assurance that your business will not disappear overnight in the event a loss occurs”

Illinois Business Insurance Coverage

Illinois Bodily Injury Liability Coverage
Bodily Injury Liability Coverage in Illinois Provides protection for damages you’re legally obligated to pay because of injuries you cause to others in a covered accident. This coverage also provides for legal costs associated with defending claims and lawsuits against you or your company, that arise out of accidents for which you may be liable.
 
Illinois Property Damage Liability Coverage
Property Damage Liability Coverage in Illinois Provides protection for damages you’re legally obligated to pay because of damage you cause to the property of others in a covered accident.
 
Illinois Medical Payments Coverage
Medical Payments Coverage in Illinois Provides payment for the reasonable and necessary medical treatments you or your employees incur as a result of a covered accident.
 
Illinois Uninsured Motorist Bodily Injury Coverage
Uninsured Motorist Bodily Injury Coverage in Illinois Provides protection if you or your employees are injured in a covered accident caused by an uninsured driver. Coverage will vary by state.
 
Illinois Uninsured Motorist Property Damage Coverage
Uninsured Motorist Property Damage Coverage in Illinois Provides protection if you or your employees are injured in a covered accident caused by an uninsured driver. Coverage will vary by state.
 
Illinois Collision Coverage
Collision Coverage in Illinois Pays for damage caused to your commercial vehicle resulting from a covered accident with another car, or a covered collision with most anything else (such as a tree).
 
Illinois Comprehensive Coverage
Comprehensive Coverage in Illinois Pays for damage to your commercial vehicles for covered losses not caused by collision or from the auto being overturned. This may include, among other things, fire, theft, hail, flood or vandalism.
 
Illinois Non-Owned Auto
Non-Owned Auto in Illinois Provides liability protection for your business, for injuries or damages that your employees are responsible for if they get into an auto accident involving their own vehicle while they are ”on the clock.”
 
Illinois Hired Auto
Hired Auto in Illinois Provides liability coverage for you, as the business owner, when you rent vehicles for use in your business on a short-term basis. For an added level of protection, you may also consider Hired Auto Physical Damage Coverage, which provides comprehensive and collision physical damage protection to the vehicles you rent on a short-term basis.
 
Illinois Loading and Unloading
Loading and Unloading in Illinois Provides liability protection for damage resulting from the handling of property during the loading onto or unloading from your covered vehicle. 
 
Illinois Additional Insured
Additional Insured in Illinois Provides liability protection for other entities you may work for or lease vehicles from.
 
Illinois Rental Reimbursement
Rental Reimbursement in Illinois If you have a covered comprehensive or collision loss as an insured person, this coverage typically reimburses you for the cost of renting vehicles, up to the dollar amount limit per day shown on your policy.
 
Illinois Drive Other Car
Drive Other Car in Illinois Provides liability and physical damage coverage protection if you or your employees rent private passenger cars on a short-term basis, even when there’s no personal auto liability policy in force.
 
Illinois Audio, Visual and Data Electronic Equipment
Audio, Visual and Data Electronic Equipment in Illinois Provides protection for equipment that receives or transmits audio, visual or data signals and that is not designed solely for the reproduction of sound. Equipment must be permanently installed in the vehicle or removable from a housing unit that is permanently installed in the vehicle, using the vehicle’s electrical system for power.

About Spasa Affordble Insurance in Libertyville Illinois

Spasa an Illinois based Insurance Company is committed to reducing your Illinois insurance costs without cutting your level of cover. And with our range of Illinois Insurance Policy options, you can protect yourself with the amount of cover that’s just right for you.

We provide: Car Insurance, Business Insurance, Home Insurance, Health Insurance, Life Insurance, Commercial Trucking Insurance to customers in Libertyville, Chicago, Niles, Des Plaines, Norridge, Glenview, Skokie, Rockford, Schaumburg, Lyons,  Illinois accross Illinois and as well in Indiana, Wisconsin, Ohio and Michigan.