Comprehensive, Quality Business Insurance for Your Most Important Investment in Illinois


Northern Insurance is prepared to give you an asset protection program for your business with comprehensive policies that provide you with protection 24/7/365 days of the year. Choose us as your personal risk advisor and together we can reach your financial goals.

Property

We provide coverage for buildings and personal property, business income, and extra expense. You can purchase endorsed coverage for spoilage, ordinance of law, pollutant cleanup and removal, and more.


General Liability

This includes liability coverage for premises liability, business operations, product liability, completed operations, contractual, contingent, personal injury, advertising liability, vacancy changes, and outdoor signs—just to name a few.


Commercial Auto

This provides coverage for most business auto exposures including auto service risks. It provides liability coverage resulting from the ownership, maintenance, or use of owned, non-owned, hired, or borrowed autos. It also provides physical damage for loss to autos whether they are owned, hired, or borrowed.


Worker’s Compensation

This provides statutory benefits for those who suffer an occupational injury or disease. This can also provide coverage for employers’ liability insurance.


Umbrella Coverage

Increase liability limits that exceed the primary policies. Many businesses may need $5, 10, or 25 million in an excess liability policy.


Real Estate

Insurance protection for your real estate practice in the event of general liability claims including defense coverage.


Cyber Liability

General liability policies contain many restrictions and exclusions, and many were not designed for cyber-related exposures. We provide coverage for content liability, privacy liability, security breach liability, and security breach expense.


Business Owner’s Policy

Owners of smaller or complex businesses may handle their insurance needs through a BOP. This protection could include both property and liability protection and is a comprehensive solution that can be supplemented by other coverages. Often used for small office buildings, small retailers, some contractors, and some restaurants.


Employment Practice Liability

Hiring and firing practices have become legal mine fields. It is important that businesses have clear policies that are applied consistently to each employee. This coverage helps businesses in case of any wrongful employment practice claims against them.

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