Get small business insurance Illinois companies rely on

Are you searching for the small business insurance Illinois companies trust? Well, you’ve found it. 

biBerk has a proven track record and the coverage you need. We offer different policies to protect you from the many types of risk businesses like yours face.

Illinois Workers' Compensation insurance

This insurance helps protect your business if an employee gets hurt, contracts an illness, or dies as a result of an incident on the job. It can cover medical costs, legal fees, and lost wages due to the injury. If you need a policy for workers’ compensation in Illinois, we can provide tailored coverage.

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Illinois General Liability insurance

Also called commercial liability insurance, a general liability insurance in Illinois covers damages and legal costs associated with injury claims by customers and other people who don’t work for you, damage to other people's property that was caused by your business, and medical costs associated with these incidents. It also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Illinois Business Owners Policy (BOP)

Also called property & liability insurance, a business owners policy (BOP) combines general liability insurance with coverage for your company’s property. You get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income and cover other costs of getting your business back up and running after suffering property damage—using a temporary location is a common example. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Illinois Professional Liability insurance

Also known as errors and omissions (E&O) insurance, this small business insurance for Illinois companies could protect yours from the cost of damages and legal fees when someone claims your professional service hurt their business financially. This insurance is crucial whether you’re a big or small business in Illinois. Coverage includes both mistakes on the part of your business (errors) and the failure to perform a service (omissions). You should consider professional liability insurance if your business provides professional advice, offers a professional service, or has contractual requirements for the coverage.

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Illinois Commercial Auto insurance

If your company owns or leases vehicles, this policy protects your business. This type of insurance can provide coverage for your legal fees and the medical costs of other parties if your employee is at fault in an accident. It can cover the cost of damages even if the vehicle is used for personal activities outside of its primary business use. 

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Illinois Cyber insurance

You can buy this coverage as an add-on to a general liability, professional liability, or BOP policy. It helps cover costs related to system hacks or data security breaches where sensitive data like customer credit card information is stolen and fraud has occurred or is likely to occur.

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Illinois Umbrella insurance

As you’d expect, every liability insurance policy you purchase has a maximum value that it will cover if an incident occurs. Umbrella insurance adds another layer of protection: It can cover costs that exceed the limit of another liability policy up to its own limit. Without it, you may be responsible for anything over your policy limit. Business liability suits can easily exceed the actual value of many small businesses, so we highly recommend an umbrella policy to protect your small business in Illinois.

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If you have questions about the types of small business insurance your Illinois company needs, our licensed insurance experts are happy to answer them. 

We cover all kinds of professionals and businesses in Illinois, including:

  • Accounting firms
  • Ambulance services
  • Auto service and repair centers
  • Building electrician services
  • Building operations
  • Business consultants
  • Cabinet and trim installers
  • Car rental companies
  • Carpentry services
  • Concrete driveway installation/repair services
  • Conduit construction companies
  • Contractor building operations
  • Contractors
  • Fast food restaurants
  • Floor and carpet installations
  • Full-time housekeepers
  • Garbage collection services
  • Grocery stores
  • Heating and air installation/repair services
  • Home health care companies
  • Hotels
  • Indoor and outdoor ceramic tile, stone, and marble installers
  • Iron and steel dealers
  • Landscaping and gardening services
  • Laundry services
  • Law firms
  • Masonry services
  • Metal fence installation
  • Painting and wallpaper installation companies
  • Paperhanging companies
  • Physicians’ offices
  • Plastering companies
  • Public park operations
  • Restaurants
  • Retail stores
  • Telephone and telegraph companies
  • Trucking companies
  • Wood furniture manufacturers

Why choose biBerk for your business insurance in Illinois?

We’re the experts when it comes to small business in Chicago and throughout Illinois.

Save time

Get a quote entirely online or speak with one of our insurance experts right away for help getting a quote, buying a policy, or answering any questions you may have.

Save money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less than policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.


Why is biBerk better for business insurance in Illinois?

Whatever type of commercial insurance you need in Chicago or around the state, we’re often less expensive and easier to do business with than other insurance companies. That’s better for you in many ways. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he’s dedicated to providing small businesses with services and value that can help them grow.

What do biBerk customers say?

Who needs to understand small business insurance in IL?

Every Illinois company can benefit from small business insurance. It’s especially important to understand what’s available and what your business requires if you own a startup. As an entrepreneur, you’re probably a cost-conscious business owner, so you’ll be glad to learn that biBerk sells affordable policies that provide robust financial protection. It’s also helpful that we make it easy to change or enhance your coverage when your new business takes off! Plus, our licensed insurance experts are friendly, knowledgeable, and accessible. It’s reassuring to know they’re a resource for your business.

Comprehensive insurance coverage is essential

If you own or operate an established business, comprehensive insurance coverage is essential. You’ve got more people, property, and exposure to risk as you grow, so it’s really important that your insurance portfolio keeps pace with your operations, and we can help make sure it does. In addition, if you need to file a claim, as most companies eventually do, we make that process fast and efficient, so you can get paid for covered incidents and keep your business moving forward.

Small business advisors should stay informed

Small business advisors should also stay informed about IL business insurance requirements and options. One way to do that is to develop a relationship with an insurer like biBerk. Business professionals trust our expertise and the clear guidance we provide to business owners, decision-makers, and other stakeholders like business advisors.

Workers’ Compensation and other IL business insurance requirements

Workers' Compensation

Every business with employees is required to carry workers’ compensation insurance in Illinois. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re caught doing business with employees in Illinois without a workers’ comp policy.

Other policy considerations

While the law may not state it, you probably need to carry other business insurance in Illinois besides workers’ comp. Many contracts require a general liability policy and/or a professional liability policy. Even if your customers, clients, or partners don’t require you to carry specific policies, we recommend that you have policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What does business insurance in Illinois cost?

The cost of business insurance in Chicago and throughout the state is based on multiple factors. For example, let’s say you’re looking to buy general liability insurance in Illinois. Your price will reflect several characteristics about your business, including the industry, the size of your company, your desired coverage, and any claims you’ve had in the past. For that reason, the cost of insurance can vary quite a bit for different small businesses. Consequently, getting a good rate on the other business insurance you need—like up to 20% less with biBerk—is very important.

Frequently asked questions about small business insurance in Illinois

  • What types of insurance do I need for a small business in Illinois?


    Every Illinois business is different, so we need to learn a little bit about your company before recommending coverage. But, generally speaking, if you have employees, you’re probably required to have a workers’ compensation policy. General liability insurance is needed for companies that have customers visit their premises, and errors and omissions insurance is important if you provide a professional service or advice. If you have assets like equipment and furniture, or if you own buildings, a business owners policy or BOP (also called property & liability insurance) can provide crucial protection.

  • How long does it take to get small business insurance in Illinois?


    Getting a business insurance quote online and then paying for one or more policies is fast and easy. It can take as little as five minutes, and your IL business insurance policies are issued immediately for the effective date.

  • Can I set up my commercial insurance in Chicago (or anywhere in the state) to be paid automatically when premiums are due?


    Absolutely! Our autopay feature is easy to activate and signing up gives you one less task to worry about.

Small business insurance in Illinois in three simple steps


Get a quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a quote today

Save up to 20% on small business insurance in Illinois.