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Arial Insurance Group

250 Parkway Drive Ste 150
Lincolnshire, IL 60069

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Arial Insurance Group Blog

I’m a small business owner. Do I really need commercial insurance?

If you’re a small business owner, you may question whether or not you should invest in commercial insurance. The Arial Insurance Group of Chicago, IL understands that small business owners may not understand commercial insurance’s true benefits. As a result, we’re invested in creating understanding and guiding small business owners in making this choice. 

Commercial Insurance Benefits

You aren’t required by law to carry Public liability insurance. However, it benefits businesses of all sizes, even home-based businesses. This insurance protects you and your employees if something happens to cause harm or damage to third parties as a result of your products or services. This includes bodily injury or property damage. However, you could be penalized if you don’t carry workers’ comp coverage, and one of your employees gets hurt at your place of business. Your workers won’t receive benefits if you don’t invest in public liability insurance. The worker’s compensation board could fine you in your state if you don’t have workers comp for your employees. 

Other Considerations…

It’s safe to say that all businesses can benefit from some form of insurance. The types of coverage needed will vary from business to business. This is primarily because businesses vary in terms of the type of business, sector, industry, and business size. It’s best to work with an insurance agent to create a commercial policy that suits your business’s unique needs. We want to help you get the coverage needed to meet your business’s needs, regardless of the size of your business. Give us a call; we want to help guide your decisions as you look for the best coverage for your small business.

Partner Carriers

  • Aegis
  • American Modern
  • American Strategic Insurance(ASI)
  • Assurant Flood Solutions
  • Berkshire Hathaway Guard
  • Capital Premium Financing
  • Cigna
  • Dovetail
  • Foremost
  • Grange
  • Hagerty
  • Humana
  • Kansas City Life Insurance Company
  • Met Life and Health
  • National General
  • Nationwide
  • Old American Life
  • Openly
  • Progressive
  • RLI Surety
  • State Auto
  • Stillwater
  • Travelers
  • United Healthcare