Now More Than Ever, Chicago's Business Insurance Seekers Have Options

Online, July 4, 2011 (Newswire.com) - SWIAS (Statewide Insurance Agency of Skokie) has been helping people and businesses in Chicago's near northeast suburbs and northeast Chicago since 08/09/2006. Born out of the owner's desire to help the people major insurers wouldn't insure, it grew into an agency that now helps everyone. Recently, it's added Travelers Insurance to the list of great insurers it works with.

The original goal was to help Chicago auto insurance seekers. Chicago home insurance services, then the full array of insurance had to be added as people needing them sought help from Statewide.

So Statewide has been helping Chicago business insurance insurance seekers since its early days; the addition of Travelers Insurance to the list of insurers Statewide Insurance Agency of Skokie works with is significant as it allows Statewide to provide a full array of business insurance to Skokie, Morton Grove, Glenview, Niles, and northern Chicago small business owners.

Business owners have the choice of going to an independent insurance agency, like Statewide, a captive insurance agent, or to an insurance broker. Captive insurance agents can only sell you whatever products the insurer for which they're working has. Independent insurance agents and brokers shop around different insurers.

For large businesses with very complex needs, the added expense of using an insurance broker makes sense. However, businesses that do not have complex needs are overpaying when using an insurance broker.

For instance, if you were looking to buy car insurance for your business, this is how you'd tell if you need an insurance broker or an independent insurance agent:

1. can't review your insurance plan often
2. have many people working for you
3. have lots of vehicles
4. your drivers change
5. you're in a high-risk industry.

Go with an agent if the opposite is true, if you

1. can review your insurance plan regularly
2. have only a few people working for you
3. have few or 0 vehicles
4. your drivers don't change (or not often)
5. you're not in a high-risk business.

Statewide Insurance Agency of Skokie is not the only place you can get Chicago insurance, however, you're in better hands with them.