Protect your business with the right insurance coverage in Illinois

Coverage Built For Small Business

Commercial insurance Hillsboro IL with real guidance

Securus Insurance Service helps startups and long-time owners choose policies that match real risks. We work with retailers on main streett, trades and contractors, farm-adjacent businesses, and professional offices across Illinois. We explain premiums clearly, then build a plan that can grow as you hire or add equipment.

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What Most Companies Need

Essential coverages for Illinois businesses

General liability helps with customer injuries or damage to someone else’s property. Commercial property protects your building, inventory, tools, and equipment from losses like fire, theft, or wind. Many small firms qualify for a business owners policy that combines both. If you have employees, workers compensation is required in Illinois and covers medical bills and lost wages after a work injury. Contractors often need proof of coverage fast, and we issue certificates promptly. We also help with commercial auto, inland marine for mobile equipment, and bonds when a project requires them. When agriculture overlaps with your operation, we coordinate with farm insurance for outbuildings or on-site exposure.

Tailored To Your Industry

Customized insurance for your industry

Contractors need general liability and equipment coverage on job sites. Retailers and restaurants focus on commercial property and business interruption. Offices look for cyber options and hired non-owned auto when errands are part of the job. We adjust limits and endorsements for each setup so you are not overpaying for the wrong things.

Why Work With Securus

Local insight, multiple carrier quotes

As a Hillsboro agency, we understand weather exposures that affect roofs and signage, and we know how landlords  write lease requirements. We compare several insurers, review limits annually, and support claims so downtime is shorter. If you run a home-based business, we will explain why a separate policy is necessary and how it complements your personal coverage.

Common Business Questions

Business insurance FAQs for Illinois owners

  • I’m launching soon, what comes first

    We start with general liability, then add property or a BOP if you keep inventory or gear. If you will have payroll, we set up workers compensation before the first hire.

  • Can I combine coverages to save

    Yes, eligible small businesses can place liability and property in a BOP. We will price separate versus bundled and recommend the better value.

  • Do I need coverage if I work from home

    Home policies rarely cover business liability or inventory. A home-based business endorsement or separate policy fills the gap.