Our Blog

Non-profit organizations are just as vulnerable to lawsuits as private companies-except they rarely have the financial resources to deal with costly claims that their for-profit counterparts do. Instead, a non-profit's directors and officers may have to dip into their personal pocketbooks to cover legal costs. This puts Illinois non-profits, and those who work at them, in a particularly fragile position. Even if a claim against a non-profit turns out to be without merit, the expense of fighting it can be devastating.
Continue Reading...

Even with Halloween looming on the horizon, the prospect of so many newly licensed Illinois teen drivers getting behind steering wheels is undoubtedly the most frightening thing about fall. The new school year is in full swing, and with the abundance of social and extracurricular activities taking place all over town, not to mention the need to get to and from campus, inexperienced teen drivers have every excuse to get on the road.
Continue Reading...

A few years ago, Hurricane Ike tore through the Bolivar Peninsula in Texas, leaving almost nothing but rubble in its wake. Before the hurricane, some 200 homes had proudly stood along the peninsula's coastline, their inhabitants enjoying idyllic lives on the beach. But after Ike had wreaked his havoc, only 10 of those homes remained standing. Some of the surviving homes had lost power, and their decks had blown away; one sustained roof damage. But all were move-in ready soon after the storm had passed.
Continue Reading...

Wouldn't it be wonderful if, when you raked your front lawn this autumn, each and every fallen leaf were a hundred dollar bill? If Fall was actually short for "windfall"? If money really did grow on trees? Sadly, these fantasies aren't likely to come true anytime soon. And this fall, with the economy being what it is, chances are you'll be looking for ways to cut back on your expenses and save.
Continue Reading...

The law of large numbers is a statistical concept that relates to probability. It is one of the factors insurance companies use to determine their rates.
Continue Reading...

You may consider yourself well versed when it comes to the ins and outs of business insurance in Illinois, especially if you own a business in Illinois. But just how accurate and in-depth is your knowledge? In the spirit of fall, which is back to school time, take this quiz to test your awareness of business insurance myths and truths.
Continue Reading...

When one of your kids is going to college in Illinois or out-of-state, there's so much to think about: the cost of tuition, packing all the right things to take along, and registering for the proper classes, not to mention the powerful emotions that arise when one of your fledglings makes the bold leap out of the nest and flies away. One important matter that may be easily forgotten amidst all these other concerns is that of insurance. In particular, health and property are two aspects of every college student's life that may require new coverage.
Continue Reading...

Chances are you already have a number of different insurance policies in place. It's almost inevitable, however, that even with all that protection, there are some cracks in your coverage. Umbrella insurance is designed to essentially seal those cracks, so that all your bases are covered. It will, metaphorically speaking, shield you from the storms that may come in the form of accidents and other unforeseen events that your existing policies aren't equipped to fully cover.
Continue Reading...