Insurance Questions Every Small Business Owner Should Ask
What does my general liability policy actually respond to, and what's excluded? Professional services, cyber exposures, employment practices and liquor are common exclusions that may need separate coverage.
How is my business property covered — and is the limit still right? Equipment, inventory and improvements to a leased space are easy to outgrow.
Do I need commercial auto? If a personal vehicle is used for business, coverage may need to be structured differently.
Do I need workers' compensation? Illinois requires it for almost every employer with employees.
What happens if a claim is filed against my business? Ask to walk through the claims process before anything goes wrong, not after.
Related coverage: Business Insurance in Chicago
This content provides general information and is not legal advice or a statement of insurance coverage. Actual coverage depends on the policy's terms, conditions, limits and exclusions.
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