Insurance Services
Our Insurance Solutions
Coverage You Can Count On
From personal to commercial protection, Insure First Commercial LLC delivers reliable coverage backed by decades of industry experience, local insight, and access to leading insurance carriers — all tailored to fit your unique needs.
Auto Insurance
Get reliable coverage for your vehicle with plans that protect you from accidents, theft, and unexpected costs—so you can stay focused on the road ahead.
Commercial Insurance
Whether you’re a small startup or an established enterprise, our commercial insurance plans help shield your business from liability, property damage, and more.
Workers Compensation Insurance
Keep your team and your business protected. Our workers compensation coverage ensures your employees are cared for in the event of work-related injuries or illnesses.
Homeowners Insurance
From fire and theft to natural disasters, protect your home and everything in it with comprehensive coverage tailored to your needs.
Auto Insurance
Illinois law requires all drivers to carry minimum liability insurance to legally operate a motor vehicle.
At Insure First Commercial LLC, we’re here to help you stay compliant with state laws and make sure you’re covered every time you drive.
Why Auto Insurance Is Required in Illinois
Illinois mandates that all drivers maintain financial responsibility in case of an accident. The most common—and practical—way to meet this requirement is by carrying an auto insurance policy. Proof of insurance must be presented during traffic stops, vehicle registration, and accident investigations.
Illinois Minimum Liability Insurance Limits
Liability insurance pays for damages and injuries you cause to others in an accident. The minimum coverage required by Illinois law includes:
• $25,000 for injury or death to one person
• $50,000 for injury or death to multiple people
• $20,000 for property damage
These minimum limits offer only basic protection and may leave you financially vulnerable in the event of a serious accident. Our team can help you explore policy options with higher limits that better protect your financial wellbeing and peace of mind.
Commercial Insurance
Starting or running a small business in Illinois comes with its share of risks. At Insure First Commercial LLC, we make protecting your business easier by helping you identify your exposures and recommending the right coverage to safeguard your operations.
Coverage That Protects Your Business
A well-structured commercial insurance policy can shield your business from major financial losses. Common coverage options include:
• Property
• General Liability
• Business Interruption
• Workers Compensation
• Commercial Auto
The right mix of protection depends on your industry, operations, and risk profile.
Property Insurance
Property insurance is essential for safeguarding your building, inventory, and equipment against fire, theft, vandalism, and severe weather. You can also add flood insurance to expand your protection and avoid costly gaps in coverage.
General Liability
If your business involves customer foot traffic, liability coverage is critical. It protects you from claims related to accidents or injuries on your premises — helping cover medical bills and legal costs in the event of a lawsuit.
Business Interruption
A serious event like a fire or natural disaster can shut your business down temporarily. Business interruption insurance helps you recover lost income, pay employees, and cover rent or other fixed expenses while you get back on track.
Workers Compensation
In Illinois, workers compensation is required if you have one or more employees. This coverage helps pay for medical expenses and lost wages when an employee is injured on the job — keeping your business compliant and your team protected.
Let’s Protect What You’re Building
Get in touch with Insure First Commercial LLC to discuss your commercial insurance options. We’ll help tailor a policy that fits your business, your risks, and your future goals.
Workers Compensation Insurance
In Illinois, businesses with even a single employee are required by law to carry workers compensation coverage. At Insure First Commercial LLC, we make it easier to stay compliant and protect your team — whether you’re a one‑person operation or a growing enterprise.
What It Covers
Medical Care: Covers all necessary treatment—doctor visits, hospitalization, prescription medications, therapy—for work-related injuries or illnesses.
Wage Replacement: Offers temporary disability benefits (typically around two-thirds of regular wages) when an employee cannot work due to a workplace injury.
Permanent Disability & Rehabilitation: Provides benefits for lasting impairments and helps fund retraining if the injured worker can’t return to their previous role.
Death Benefits: Supports an employee’s dependents in the event of a fatal work injury.
Why It Matters
Workers compensation operates on a no-fault basis, meaning employees receive benefits regardless of who was at fault—and typically cannot sue their employer. This protects both your workforce and your business from costly legal disputes.
State Requirements
Illinois law mandates this coverage for any business with employees. Even sole proprietors and independent contractors may choose to carry it for added security. Not having valid coverage can result in steep fines, business suspension, or legal consequences.
Let Us Help You Stay Compliant & Covered
Connect with the team at Insure First Commercial LLC to explore tailored workers compensation options. We’ll guide you through coverage choices and help ensure your business and employees stay protected at every step.
Homeowners Insurance
Owning a home in Illinois means protecting it against a wide range of risks — from everyday accidents to severe weather and unexpected damage. At Insure First Commercial LLC, we simplify homeowners insurance by offering coverage options that match your needs and the evolving challenges of living in our state.
Core Coverage Elements
Dwelling & Other Structures: Covers repair or rebuild costs due to fire, wind, theft, or vandalism.
Personal Property: Protects your belongings—your furniture, electronics, clothing—whether damage occurs at home or elsewhere.
Loss of Use (Additional Living Expenses): Pays for hotel stays, meals, and other costs if your home becomes uninhabitable.
Personal Liability & Medical Payments: Covers legal and medical expenses if someone is injured on your property.
Why It Matters in Illinois
Standard homeowners insurance typically includes protection against fire, smoke, wind, hail, and certain types of water damage — all important given Illinois’ seasonal storms and weather extremes.
While earthquake and flood damage aren’t covered under standard policies, you can purchase separate coverage to protect your home from these less common but potentially devastating events.
At Insure First Commercial LLC, we’ll help you understand what’s included in your policy — and what additional coverage you may need based on your location and risk factors.
Navigating Today’s Market
The Illinois home insurance landscape comes with its own set of challenges. While wildfires aren’t a primary concern, severe storms, flooding, and aging infrastructure can impact coverage availability and rates in certain areas. Insurers may adjust premiums or policy terms based on regional risks. Understanding these shifts is essential when choosing — or adjusting — your coverage. At Insure First Commercial LLC, we help you stay informed and prepared, no matter how the market changes.
Ready to Protect Your Home?
At Insure First Commercial LLC, we help you compare carriers, build custom protection plans, and select disaster-specific coverages like flood, sewer backup, and extended replacement cost. Let’s work together to secure the right safeguards for your home in today’s Illinois insurance environment.