Business Insurance

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BUSINESS INSURANCE SOLUTIONS

Specialize in Restoration Contractors in the Fire, Water and Mold Services

West Suburban Insurance provides in-house Commercial Lines underwriting that guarantees a complete and thorough analysis of your insurance needs and a custom-designed program specifically for your business.

We provide coverage for Contractors, Manufacturing, Retailers, Restaurants, Service Industry, Apartments, Condos, Rental Properties and many more.

We specialize in Restoration Contractors in the Fire, Water and Mold Services.

General liability

General Liability is very broad including such things as slips and falls by guests on your premises. Products Liability for things you make and sell that could cause injury or property damage to someone. Complete Operations if an installation (using someone else’s products) caused injury or property damage; Personal Injury involves libel, slander, invasion of privacy or false arrest. Damage to Rented premises covers the portion of the building you rent.  Medical Expense does not require legal liability for payment to a guest on your premises if they are injured.

Commercial auto

Whether you call it commercial automobile, business automobile, truckers’ insurance or motor carrier insurance, we have all the coverages you need for your vehicles.

Property

From building and contents coverage to loss of income and full replacement coverage, property insurance provides broad coverage for your property’s needs.

Excess liability

Excess liability protects you with high limits of insurance and fits on top of the protection you have with your auto, liability, and employers’ liability coverage.  Commonly if a claim is covered on the Auto, General Liability or Workers Compensation policy, it is covered by the Excess policy limit.

Inland marine

When your Business Personal Property is away from your premises it is not covered by your Business Personal Property policy. A variety of policies cover your Business Personal Property away from your premise such as a Transit, Contractor’s Equipment Floater and Builder’s Risk / Installation policies.

Workers’ compensation

Workers’ compensation policies pay the required benefits to injured workers. We assist you in establishing procedures to assure your employees, independent contractors and subcontractors all have Workers Compensation insurance.

Employment Practices Liability Insurance (EPLI)

Employment practices liability insurance protects you against claims made by employees, ex-employees, new hires and even applicants who were not hired.  They can sue your business for a variety of causes alleging wrongful acts you commit as an employer.

Cyber

Cyber-crime is one of the fastest-growing types of crime in the world. Every business of every size now faces cyber risk. Third party access to your data, breaches from lost cell phones, tablets, flash drives, laptops triggers Cyber coverage. Triggers from your website include copyright infringement, defamation, invasion of privacy, and intellectual property laws. Employees posting on blogs, social media sites, or discussion forums that violates copyrighted material. A hacker gaining access to your client data causing identity theft or an employee forwarding an email that has an unintentional virus that hacks your client’s information.

Crime and fidelity

We have the coverages you need, from employee dishonesty to theft of money, securities, and other property. The Employee Retirement Income Security Act (ERISA) requires that any retirement plan be bonded from an employee theft at 10% of the plans assets up to $500,000.

Equipment breakdown

Equipment breakdown coverage is no longer simply for your boiler and machinery. Property policies typically exclude or do not cover Equipment Breakdown. This policy or endorsement to your property policy can cover if the machinery breaks down suddenly and accidentally (versus wear and tear).

Bond

A bond is a financial instrument guaranteeing your performance or fiduciary responsibility. Underwriting is all based on your finances and your ability to repay the bonding company.  A bond allows you to engage in an activity that has a bonding requirement like Surety, License & Permit, Performance, Contractor or other bonds.

We offer the following business insurance solutions:

  • Property
  • Liability
  • Automobile
  • Inland Marine
  • Umbrella
  • BOP
  • L&P Bonds (License and Permit)
  • Bonds