Commercial property insurance protects buildings and physical assets owned or used by a business. It typically covers damage to structures, equipment, inventory, furniture, and other business property caused by risks such as fire, theft, vandalism, and certain weather events. It can also help businesses recover financially by covering repair or replacement costs after a covered loss, thereby reducing downtime and operational disruption.

General liability protects your firm from third-party claims of bodily injury and property damage — a client injured during a meeting at your Chicago office, or damage that occurs during an off-site event. For financial advisory and accounting firms that regularly host clients, general liability is the baseline of any complete commercial insurance program.

Financial firms are among the most targeted industries for cyberattacks — and one of the most heavily regulated when a breach occurs. Cyber liability coverage for Chicago financial services firms covers forensic investigation, client notification, regulatory fines, legal defense, and reputational management costs following a breach. We work with carriers who understand the specific data obligations of RIAs, broker-dealers, and accounting firms under SEC, FINRA, and Illinois regulatory requirements.

Financial firms handle client assets, confidential account information, and significant transaction volumes — making fidelity and crime coverage essential, not optional. It protects against employee theft, embezzlement, fraudulent wire transfers, and forgery. For investment advisors and wealth managers, many custodians and institutional clients require a minimum fidelity bond as a condition of doing business. We make sure your coverage meets those requirements and reflects the actual assets under management or custody.

Commercial auto insurance protects vehicles used for business purposes and the people who operate them. It provides coverage for liability, physical damage, and medical costs resulting from accidents involving company-owned or employee-driven vehicles.

Illinois law requires workers’ compensation for any firm with employees. For financial services firms, the primary risk isn’t physical injury — it’s the legal and financial exposure of operating without compliant coverage. We ensure your policy reflects your actual staff structure, including any remote employees or part-time professionals common in boutique advisory and accounting practices.

Commercial Umbrella Liability insurance provides an extra layer of protection above your existing general liability, commercial auto, and employers liability policies. It kicks in when underlying coverage limits are exhausted, helping protect your business from large claims or catastrophic losses.