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Arial Insurance Group Blog

How Condo Insurance Works

When you own a condo, you have ownership of specific areas of the building and not of other areas. The areas that you own are required to have condo insurance on them. If you have a mortgage loan, your lender will require you to have this type of insurance. Your condo board will also require it. Even in the rare cases when it isn’t required, it’s still an essential way to protect your home and your investment.

If you need a condo insurance policy, call us at Arial Insurance Group in Chicago, IL to get started. 

Insuring the Home

Your condo insurance policy will be written so that it protects the precise areas that you own. This doesn’t include the outer walls of the home. In some cases, it doesn’t include the interior of the outer walls either. It also doesn’t cover any common spaces. Your condo policy will protect your home against many different events that can happen to it. From calamities to disasters, it can pay for the damages that need repairs when a damaging event has happened. 

Protecting Your Belongings

As with home and renter’s insurance, condo insurance also protects all of the belongings you have inside your home. A damaging event that ruins your things can mean an enormous amount of money is needed to replace it all. Condo insurance pays for those replacements so that you won’t have to. 

Liability Protection

Condo insurance also pays for the medical bills of someone who gets injured while they’re in your condo. Medical bills can be sky-high, so this is important coverage to have. It may also pay for other expenses related to the accident. 

Get Your Condo Insurance Policy

To learn more about these policies, give us a call today at Arial Insurance Group in Chicago, IL. 

Do I Need Commercial Insurance for My Company Vehicle?

At Arial Insurance Group serving the Chicago, IL metroplex, we like to make sure that our clients have the right type of coverage to protect their businesses and vehicles. While some folks may think that a regular auto insurance policy is enough to cover their company car, they may be surprised to find out that a commercial insurance policy is probably a more appropriate choice.

If you’re confused about what type of insurance you should use to cover your company vehicle, our team of insurance professionals is happy to walk you through the process of protecting your vehicle if you live in Chicago or one of the other areas we serve.

Do I Need Commercial Insurance for My Company Vehicle?

As a new company, figuring out the right kinds of insurance policies to protect your business’ equipment can be a daunting task. Even if you already have a personal car insurance policy, your current policy probably doesn’t cover a vehicle that’s used for business purposes. If you find yourself delivering items from your business in your car or conducting other commercial activities in it, it’s time to switch to a commercial insurance policy that protects your car to stay covered in the event of an emergency.

Although it might not seem like a big deal now, having the wrong auto insurance for a company vehicle can cost you money and end in harsh consequences down the road. Commercial insurance policies have specific terms that are tailored to the needs of business owners. Your car and your company are valuable enough to deserve coverage that fits the challenges and rewards they face.

Contact Us Today

To discover how we can help you protect your business and company vehicles, call Arial Insurance Group in Chicago, IL!

Don’t Sell Yourself Short on Home Insurance

When you have a mortgage, home insurance is a given as it’s often a requirement for obtaining your home loan. When you own your home outright, home insurance isn’t required, but it’s a wise investment to safeguard one of your most valuable possessions against damage or loss. Chicago, IL homeowners can rest assured that their home is in good hands with home insurance from Arial Insurance Group.

Importance of Adequate Insurance Coverage

When it comes to protecting your home, it doesn’t pay to sell yourself short on home insurance. With the right insurance coverage, you can avoid financial loss in the event of a disaster.

A standard home policy from Arial Insurance Group offers dwelling, personal property, and liability coverage. The amount of coverage you obtain will depend on your home value, the value of your belongings, your lifestyle, your budget, and the risks of damage to your home due to its location.

When it comes to dwelling coverage, we recommend purchasing sufficient coverage to rebuild your home if it’s totally destroyed in a disaster. If your budget allows, your personal property insurance should cover the cost of replacing personal goods that are damaged or lost.

If a guest is accidentally injured when visiting your home, liability insurance helps pay for their medical costs. As medical care is at an all-time high, we recommend obtaining the maximum liability coverage money can buy. If you’re held responsible for a serious accident and sued for damages, your liability insurance will help cover this cost.

Protection Against the Unexpected

After all you’ve invested in your home and lifestyle, it only makes sense to protect yourself from the unexpected with home insurance. If disaster strikes, you’ll have financial support to rebuild your life and move on.

To purchase home coverage for your Chicago, IL home, give Arial Insurance Group a call.

Who would benefit from having long-term care insurance?

For people in the Chicago, IL area, having proper insurance coverage continues to be extremely important. A form of insurance all people here need to consider getting is long-term care insurance. There are various situations when a person would benefit from having long-term care insurance, which offers financial support if you are in need of long-term care. 

Long-term Care Insurance Beneficiaries 

Those at Risk of Developing Health Conditions

A situation when someone will want to have a long-term care insurance plan is if they are at risk of developing health conditions that could require additional care. If you develop a serious health condition, it could require you to pay for very expensive long-term care, and having insurance to provide support here would be very helpful. Some individuals that have a higher risk of developing a disease include older adults, those with certain health risks, and those with a family history.

Those Looking to Protect Assets

If you have worked hard your whole life and built up a nice nest egg, you will likely want to be able to pass some of it down to your dependents. Unfortunately, an unforeseen illness or health condition that requires long-term care can eat away at your savings over the years. When you have a long-term care insurance plan, it will give support so you can protect your assets as much as possible.

Reach Out To Us

There are a lot of situations when someone in the Chicago, IL area would benefit by having long-term care insurance. If you are looking to get this coverage here, it would be great to start the process by calling our team with the Arial Insurance Group. If you do call us at the Arial Insurance Group, we will give the support necessary to understand all options and build a policy.

Finding a Health Insurance Policy that Rewards Your Healthy Behaviors

Navigating the world of health insurance can be frustrating and stressful. It’s difficult to know what is and isn’t covered, which causes confusion and might mean you’re not receiving optimal care. You might not know this, but many health insurance policies reward you for healthy habits. Therefore, when choosing a health insurance policy, make sure you find one that accounts for your healthy lifestyle.

Rewards for Healthy Habits

You want to live a long and healthy life, and one of the best ways to do that is to look after your physical and mental well-being. That includes regular exercise, not smoking, weight management, dietary choices, and more. When your policy rewards you for these habits, it gives you extra motivation to keep them up while potentially offering financial rewards.

Ways Insurance Programs Encourage Health and Wellness

Your insurance policy may cover more than you realize. When choosing a policy that cares about your well-being, you may receive discounts or incentives for flu shots, blood tests, and community engagement activities like blood donations. Additionally, it could offer incentives such as free gym memberships contingent upon regular usage. 

Insurance and Corporate Wellness Programs

When picking a policy for your employees, check out the health benefits they offer. They may provide financial contributions as part of the employee benefits package. Doing this will make your workforce healthier and happier, leading to better production and employee culture.

Looking for Health Plans in Chicago, IL?

Our expert agents at Arial Insurance Group can guide you through choosing a health insurance plan for yourself, your family, or your employees. 

Find out more about health insurance policies that reward healthy habits with Arial Insurance Group in Chicago, IL by calling us today.

How much life insurance is enough?

Life insurance is not the same for everyone. What is the right amount of coverage for one person may not be right for another. It is vital to make sure your dependents are able to survive financially and that you discuss your needs in-depth with your independent insurance agent. At Arial Insurance Group in Chicago, IL, we are happy to discuss the insurance options that we offer and personalize a plan just for you. 

To determine how much life insurance is enough, it is vital to take several factors into consideration:

  • What your income is
  • Your dependents
  • The age of your dependents
  • What percent of support they require


If your income is low, you will need less life insurance to replace it than if you have a high income. The object of life insurance is to replace your income to provide for your dependents if you are not there to do it yourself. 


Who counts on your income to survive? Is it just your partner or do you have dependent children?  


The age of your dependents is important when considering the amount of life insurance you will need to keep them in the lifestyle they are currently enjoying. How many years will the support need to be provided? 

What percent of support

Does your spouse or partner work? How much of the income that you provide will be necessary to maintain their lifestyle? Will it be 50%, 75%, or 100%?

Once you have all of this information, you can come up with a figure. Take the number of years times your income and then the percent of it that is required. For instance, 50% of 10 years of $50,000 is $250,000.  

We Can Help You!

Give us a call at Arial Insurance Group or drop into our Chicago, IL office for a free no obligation quote. 

Three things you might not realize about auto insurance

There is a lot of misinformation out there about auto insurance that motorists really should be aware of. At Arial Insurance Group, we can provide you with the important information you need about auto insurance in Chicago, IL.

Here are three things you might not realize about auto insurance that you should be aware of:

You can choose from different deductible amount options

You don’t have to purchase a policy with a specific deductible amount. You should be able to choose from a few different deductible options. 

Choosing a higher deductible may help you to enjoy lower premiums. 

Auto insurance is not optional

Carrying auto insurance is important because it helps you out financially if you get into an accident. However, you shouldn’t assume that you can choose whether you want to buy auto insurance or not.

Every state requires that motorists carry auto insurance or insure themselves in some way to drive legally. Motorists can be penalized if they are caught driving without adequate insurance coverage. 

Every state sets its own auto insurance requirements

Auto insurance requirements are regulated at the state level. Different states may have different liability coverage requirements. 

In the state of Illinois, motorists need to cover at least $50,000 in bodily injury liability coverage per accident and at least $20,000 in property damage liability coverage per accident. 

While liability coverage is required by law, motorists are not typically required to carry collision or comprehensive coverage. 

Contact Our Team Today

Call us at Arial Insurance Group to learn more about auto insurance in Chicago, IL. We’ll be happy to answer any questions you have and give you a quote on an auto insurance policy. 

The differences between a unit policy and a master policy

When it comes to condominium living, there are two different types of policies that you need to be aware of: the unit policy and the master condo policy. Each has its own set of rules and regulations, and it’s important for owners to understand the differences between them. At Arial Insurance Group, we have been helping condo owners and condo associations in the Chicago, IL area for many years and would be glad to help you understand the differences as well.

The differences between a unit policy and a master policy

The unit policy applies to each individual unit within a condominium complex. It outlines specific details that must be adhered to in order to maintain the aesthetics and safety of your particular unit. Things like pet policies, noise levels, parking restrictions, etc. are defined by this document. 

On the other hand, the master condo policy is much more comprehensive. It covers issues like structural safety standards, hazardous material management protocols, community amenities upkeep, and general maintenance guidelines. This document affects all units in a complex as well as common areas such as lobbies, hallways, and recreational facilities shared by multiple residents. 

Both documents are important for condo owners to understand in order to ensure compliance with their building’s rules and regulations. Understanding the differences between a unit policy and a master condo policy can help make living in a condominium much smoother for everyone involved!

Reach Out To Us

If you have any questions about the differences between a master condo policy and a unit condo policy, or if you’re interested in exploring insurance options for your condo or condo association, give us a call at Arial Insurance Group today. We proudly serve the Chicago, IL area.

Is Commercial Insurance Necessary for Businesses Without Employees?

Owning a business in Chicago, IL is a big responsibility, and it’s important to make sure you’re properly protected. One of the most common questions asked by entrepreneurs is whether or not they need commercial insurance if they don’t have any employees. Arial Insurance Group is here to assist.

What Does Commercial Insurance Cover? 

Commercial insurance can provide protection for your business in the event of an accident, injury, or lawsuit. It covers things like property damage, medical expenses, and legal fees that are related to your business activities. Depending on what type of policy you get, it may also cover lost income due to a natural disaster or other unforeseen circumstances. 

Do You Need Commercial Insurance if You Don’t Have Employees? 

The short answer is yes—even if you don’t have any employees, it’s still wise to invest in commercial insurance. That’s because accidents and lawsuits can happen at any time, regardless of the size of your business. If something were to happen while you were conducting business operations, you could be held liable for damages or injuries that occur as a result.

Additionally, some clients may require that you carry commercial insurance before signing a contract with you. This is especially true for larger companies that want to protect their own interests against potential legal issues related to working with vendors who do not have the proper coverage in place.

Contact Us Today

Even if you don’t have any employees or do not plan on hiring any in the near future, investing in commercial insurance is still important in Chicago, IL. It can provide financial protection in the event of an accident or lawsuit while also helping businesses compete for larger contracts. For more details, contact Arial Insurance Group.

Making your home safer inside and out

At Arial Insurance Group, serving the greater Chicago, IL community, we work hard to make sure that our customers have all the information they need to make educated choices when it comes to their home insurance. Home safety is a top priority for our agency and most homeowners. 

Home Safety Tips: Inside & Out

Clean your chimney

If you use your fireplace, it is important to get your chimney cleaned regularly to avoid the danger of a chimney fire. 

Check your smoke detectors

Smoke detectors can save your life. Check the batteries every six months to make sure they are working. If you can burn something in the kitchen and not set off the alarm, you have a problem. 

Keep stairs and hallways clear of clutter

Falling is one of the biggest safety issues in most homes. Tripping is a real danger, especially for the elderly and little children. Avoid putting hazards where they could cause a fall and stairs and hallways are particularly dangerous. 

Add a home security system

Today’s home security systems are much easier to have than in the past. Many take only a few minutes to install and are easy to operate even with your smartphone. It can be as simple as a camera and motion detector spotlights or a doorbell camera. 

Keep walkways clear

No one wants to get sued. If you have slippery leaves, ice, or snow on your sidewalk, someone could slip and fall, and legal action could follow. 

Lock your doors and windows

Your doors and windows have locks. They are only useful if you use them. Keep them locked not only when you are away, but also when you are inside your home. 

Get Coverage For Your Home

Contact Arial Insurance Group in Chicago, IL when you are in need of home insurance information or a policy. 

Partner Carriers

  • Aegis
  • Aetna
  • Allstate
  • American Modern
  • American Strategic Insurance(ASI)
  • Assurant Flood Solutions
  • Berkshire Hathaway Guard
  • Blue Cross Blue Shield
  • Capital Premium Financing
  • Chubb
  • Cigna
  • Dovetail
  • Foremost
  • Grange
  • Hagerty
  • Humana
  • Kansas City Life Insurance Company
  • National General
  • Nationwide
  • Old American Life
  • Openly
  • Physicians Mutual
  • Progressive
  • Prudent Pet Insurance
  • RLI Surety
  • Safeco
  • State Auto
  • Stillwater
  • Stonemark
  • Travelers
  • United Healthcare
  • USLI