Pro Insurance Group

06/02/2026

The 10 Top Risks of Owning a Family Entertainment Center is live.

Every FEC operator faces the same 10 risks. Some manage them well. Some get hurt.

The full guide breaks down:
→ Participant bodily injury (the highest-frequency risk)
→ Catastrophic liability ($3M-$10M+ verdicts becoming more common)
→ Workers comp (class code 9015, misclassification audits)
→ Property loss + business interruption (the 1-2 punch that closes operations)
→ Equipment breakdown (the HVAC failure that ends your busiest weekend)
→ Cyber and data breach
→ Employment practices (high-turnover workforce risks)
→ Liquor liability (where applicable)
→ Carrier non-renewal and specialty market exit

Each risk includes a real-world claim example with specific dollar amounts, the risk management practices that reduce frequency and severity, and how a proper insurance program responds.

Written by Neal Fusco, our VP of Commercial Lines with 25+ years in specialty entertainment placement.

https://www.proinsgrp.com/blog/top-risks-of-owning-a-family-entertainment-center

10 critical risks FEC operators face in 2026: participant injury, catastrophic liability, workers comp, property loss, business interruption, cyber, EPLI.

05/28/2026

🚗 What does car insurance actually cost in Illinois in 2026?

The honest answer most agents won't give you: most drivers are paying $1,400 to $2,200 per year, and if you haven't shopped in 2+ years, you're almost certainly overpaying.

In this quick video, I break down what's actually driving Illinois auto rates in 2026 and how independent brokerage comparison typically saves clients 20 to 40 percent with BETTER coverage.

Free comparison, no obligation: https://www.proinsgrp.com/request-an-auto-or-home-insurance-quote
Or call 833-776-4671

05/25/2026

Today, we pause to remember and honor the brave men and women who made the ultimate sacrifice for our country.

Their courage, service, and dedication to protecting our freedom will never be forgotten.

At Pro Insurance Group, we are grateful for those who gave everything — and we stand with the families who carry their legacy forward.

Wishing everyone a safe and meaningful Memorial Day.

05/25/2026

Quick question for any Illinois homeowner reading this: when's the last time someone actually showed you the math on whether bundling your home and auto insurance is saving you money?

Most carriers advertise "save up to 25% by bundling!" and that's true... sometimes.

We just published a breakdown of the 6 situations where bundling is actually the WRONG move and costs you more money. A few examples:

✅ Bundle: most homeowners with standard cars and no home-based business
❌ Don't bundle: classic car owners, home-based business owners, rental property owners, households with a younger driver, or anyone whose home and auto carriers don't compete on both products

The catch is that captive agents (the ones who only sell one company's policies) can't show you a non-bundled option even if it's cheaper. That's where an independent agency comes in.

If you want to see whether bundling actually saves YOU money or just feels like it should, we'll quote it both ways across multiple carriers. No pressure, no obligation.

Read the full post here:
https://hubs.la/Q04hPjZ70

Or message us directly and we'll start the comparison. 📞
https://hubs.la/Q04hPjZ70

Bundling home and auto can save 5-25%, but it's not always the best move. See when to bundle, when to keep policies separate, and find the lowest cost.

05/19/2026

When Do Businesses Need Commercial Umbrella Insurance Coverage?

Learn when businesses need commercial umbrella insurance and how it protects against large claims that exceed standard policy limits.

05/19/2026

Most homeowners and drivers carry $300,000 to $500,000 in liability coverage. For a serious at-fault accident, a dog bite lawsuit, or a teenage driver claim, that is rarely enough.

A personal umbrella policy adds $1 million to $5 million of additional liability protection on top of your auto, home, and recreational vehicle coverage. For most Illinois households, the cost runs $200 to $400 per year for $1 million in coverage.

Read our full guide to personal umbrella insurance:

Personal umbrella insurance adds $1M to $5M in extra liability protection above your auto and home policies. Quote with Pro Insurance Group.

05/18/2026

Most of us in Illinois have been with the same insurance agent for years. But here is a question worth asking at your next renewal:

How many carriers can your agent quote you with?

If the answer is "one," you have a captive agent. If the answer is more than five, you have an independent agent. The structural difference between the two shapes what you pay, how often your coverage gets re-shopped, and what happens when your renewal rate jumps.

We just put together a full breakdown of how each works, where the real savings show up over time, and four questions to ask your current agent before your next renewal.

Read it here: https://hubs.la/Q04h1W6x0


https://hubs.la/Q04h1W6x0

Independent vs captive insurance agent: which structure saves Illinois households more? A clear breakdown and where the real savings show up.

05/12/2026

7 Risks Assisted Living Facilities Face Without Proper Insurance

Discover 7 major risks assisted living facilities face without proper insurance, from liability claims to property damage and legal exposure.

05/04/2026

How Assisted Living Insurance Supports Resident Safety and Operational Stability

Learn how assisted living insurance supports resident safety, reduces liability risks, and protects facility operations with comprehensive specialized coverage.

05/01/2026

Construction has become the #1 industry for business email compromise and wire fraud losses.
The reason is structural: high wire transfer volume + email-based vendor communication + decentralized payment authority = the perfect target.

Average loss per incident: $185,000.

Real anonymized claim from a $14M GC: spoofed concrete subcontractor email with updated banking instructions. AP clerk processed a $310,000 wire to the fraudulent account before anyone noticed. Fully covered by the cyber policy because they had a $500K social engineering sublimit (instead of the default $100K most policies start with).

Cyber liability for contractors averages $1,000-$2,500 per year. One of the lowest-premium / highest-ROI commercial coverages in the market.

Full guide: 2026 cost ranges, coverage priorities for construction, real claim scenario, and 6 ways to lower premium ↓
https://hubs.la/Q04f5rYl0
https://hubs.la/Q04f5rYl0

Cyber liability insurance for construction averages $1,000-$2,500/year in 2026. See wire fraud risks, coverage essentials, and contractor requirements.