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Chicago Insurance
Insurance in Chicago, IL
Chicago winters, summer hail and basement flooding all show up in claims. We compare insurers for homeowners, condo owners, small businesses and contractors across the city and suburbs.
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Coverage in Chicago
What We Write in Chicago
Personal
Home, auto, flood, renters and condo, and umbrella, including the uninsured motorist coverage Illinois requires on auto policies.
Learn More →Business & Commercial
Liability, property, workers' comp, commercial auto and umbrella for every kind of Illinois business.
Learn More →Life
Term, permanent and final expense coverage, plus key person and buy-sell for business owners.
Learn More →Specialty
Trucking, contractors and builders risk, with help meeting Illinois roofing license and workers' comp rules.
Learn More →Know Before You Buy
What Chicago Clients Should Know
Weather, basements and city licensing are what most often change coverage in Chicagoland.
General information only, not legal advice. Laws change, and your policy's terms decide what's covered. We'll confirm what applies to you before you buy.
- Sewer backup needs its own coverage. Many Chicago basements flood when storm sewers back up. Standard home policies usually exclude water backup unless you add an endorsement.
- Frozen pipes and ice dams. Winter freeze damage is generally covered, but insurers expect heat to be maintained. Vacant or seasonal homes need the right policy.
- Illinois auto minimums. Illinois requires at least 25/50/20 liability plus uninsured motorist coverage. Many drivers buy higher limits to protect their assets.
- Chicago licenses general contractors. General contractors working in Chicago need a license from the Department of Buildings, which requires proof of insurance. Many trades also need their own licenses.
- Comp for nearly every employer. Illinois requires workers' comp for nearly all employers with employees, including part-time workers.
Where We Work
Serving Chicagoland
We work with clients across Chicagoland by phone, text and email, including:
ChicagoEvanstonOak ParkCiceroSkokieSchaumburgArlington HeightsNapervilleAuroraJolietElginBolingbrookOrland ParkWaukegan
State rules and coverage details: Illinois insurance
Questions
Chicago Insurance Questions
Don't see your question? Ask us directly. A licensed agent will answer, in English or Spanish.
Does homeowners insurance cover basement water backup?
Usually not on its own. Water backup coverage is an endorsement you add to the policy. We recommend it for most Chicago-area homes with basements.
Do I need a license to work as a contractor in Chicago?
General contractors need a Chicago Department of Buildings license, and the city asks for proof of insurance. We provide the certificates you need.
Do you insure Chicago condos?
Yes. We match your HO-6 policy to your association's master policy so there are no gaps between them.
Licensing
Licensed Agents in Illinois
Have a question about our licensing? Call or text 239-799-5411.
- J&D agents hold Illinois producer licenses
- J&D Insurance Associates is a Florida licensed agency, license L123435
Let's Get You Covered.
Tell us what you need and we'll compare insurance companies licensed in Illinois.