Pro Guard Insurance Agency, Inc.

Pro Guard Insurance Agency, Inc. Pro Guard Insurance Agency is an independent insurance agency specializing in transportation insuran Mowimy po Polsku.

Pro Guard Insurance Agency is an independent insurance agency specializing in transportation insurance. We are licensed in AL, AR, AZ, CO, FL, GA, IA, IL, IN, MA, MI, MN, MO, NC, ND, NJ, NM, OH, PA, SC, SD, TN, TX, WA, WI.

08/31/2026

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08/31/2026

Navigating commercial vehicle and trucking insurance can be complex, but Pro Guard Insurance Agency, Inc. is here to make it simple. Whether you are an independent owner-operator or managing a growing fleet, we specialize in securing the exact coverage you need to keep your business moving forward safely.

Need assistance in Polish? Mówimy po polsku! 🇵🇱 We are proud to serve our bilingual community.

Give us a call today to review your coverage, or stop by and see Joanna and Anna at the office!

📍 1619 W Colonial Parkway, Inverness, IL

🚚 Attention Leased Owner-Operators! Are you fully protected when you are off the clock? 🚚When you are leased to a motor ...
08/26/2026

🚚 Attention Leased Owner-Operators! Are you fully protected when you are off the clock? 🚚

When you are leased to a motor carrier, their primary liability insurance covers you while you are under dispatch—but it leaves critical gaps that could cost you your livelihood.

At Pro Guard Insurance Agency, we specialize in the three essential coverages every 1099 owner-operator needs to stay compliant and fully protected:

🛡️ Non-Trucking Liability (NTL): What happens if you get in an accident while running personal errands or taking your rig to the shop? NTL protects you when you are driving off the clock and not under dispatch.

🚛 Physical Damage: Your truck is your biggest asset. Physical damage coverage pays to repair or replace your equipment in the event of a collision, theft, fire, or severe weather—whether you are hooked to a trailer or not.

🏥 Occupational Accident (Occ Acc): Because independent contractors don’t typically qualify for traditional workers' compensation, Occ Acc is vital. It provides medical, disability, and death benefits if you are injured while on the job, protecting your income while you recover.

You work hard to keep America moving. Don’t leave your equipment, your income, or your family exposed.

📲 Send us a message or call today for a fast, competitive quote on your NTL, Physical Damage, and Occ Acc coverages! We will make sure your lease agreement requirements are met without buying more coverage than you actually need.

08/24/2026

Looking for a better rate on your commercial vehicle insurance? Whether you are a single owner-operator or managing a growing fleet, getting the right coverage at the right price is critical to your bottom line.

We specialize in commercial policies, including navigating Risk Retention Groups, to find the exact fit for your business. Don't leave your livelihood to chance—reach out to Pro Guard Insurance Agency, Inc. today for a commercial vehicle quote! 📋💼

08/14/2026

🚨 Attention Truckers & Fleet Owners: Why are insurance companies cracking down on out-of-state ownership and garaging? 🚨

If you have recently tried to quote or renew your commercial auto policy, you might have noticed that underwriters are getting incredibly strict about out-of-state DOT operations. They are heavily scrutinizing where your business is registered versus where your trucks are actually parked.

Why the sudden crackdown? Here is what you need to know:

• 🛑 Stopping "Rate Evasion": Insurance premiums are heavily based on your exact garaging zip code, as different regions carry different premium rates. Using a cheaper, out-of-state address when your truck is actually parked and operating in a higher-risk state is considered rate evasion. Carriers are auditing these addresses heavily, and even investigating locations like truck stops to ensure they aren't being used as fraudulent garaging fronts.

• 📊 Strict DOT Alignment: Insurance companies now require your DOT data, Motus data, and garaging address to match what is being quoted to the T. If your LLC is in one state, your CDL is in another, and your garaging address is somewhere else, underwriters will view it as a massive red flag.

• ⚖️ Tightening State Regulations: The DOT is coming down hard on compliance, especially here in Illinois! Regulators and insurance carriers want to ensure that commercial vehicles are properly registered, insured, and inspected in the actual state where the owner operates.

• 📉 Proper Risk Assessment: Carriers need to accurately assess the real risk of theft, traffic density, and state litigation laws. An out-of-state setup makes it impossible for them to properly underwrite the policy, often leading to immediate declinations for new ventures.

The Bottom Line: What happens if your garaging address or DOT setup doesn't match your physical reality? You risk sudden policy cancellation, or worse—a denied claim when you need it most.
Don't let a paperwork mismatch sideline your business. If you need help untangling your DOT compliance or finding a carrier that fits your exact operational needs, we have the markets to help you get it done right!

📞 Reach out to us today for a compliant quote!
🏢 Pro Guard Insurance Agency Inc.
📍 1625 W Colonial Parkway STE F, Inverness, IL 60067 (Right near Schaumburg!)

🚨 Truckers & Owner-Operators: Are you driving unprotected? 🚨The road is unpredictable, and when you are hauling freight,...
08/11/2026

🚨 Truckers & Owner-Operators: Are you driving unprotected? 🚨

The road is unpredictable, and when you are hauling freight, your CDL and your livelihood are always on the line. If you haven’t installed a dash camera in your cab yet, here is why you need to make it your next investment:

📷 Bulletproof Evidence: In a "he-said, she-said" accident, the commercial truck usually takes the blame. A dash cam provides undeniable proof of what actually happened, protecting you from false claims and staged accidents.

⚡ Faster Claims Processing: When you have clear video footage of an incident, insurance companies can process claims much faster, getting you back on the road and making money.

💰 Potential Premium Savings: Many insurance carriers love dash cams! Having one can often help lower your premiums or qualify you for discounts because it shows a commitment to safety and risk management.

🛡️ Protect Your CDL: Your driving record is your resume. Video evidence can protect you from unjustified citations and keep your record clean.

Don't leave your business to chance. Protect yourself, your rig, and your reputation!

Looking for a policy that rewards your safe driving? We have competitive markets for new ventures, experienced active companies, and owner-operators!

📞 Reach out to us today for a quote!
🏢 Pro Guard Insurance Agency Inc.
📍 1625 W Colonial Parkway STE F, Inverness, IL 60067 (Right near Schaumburg!)

08/06/2026

🚛 ATTENTION TRUCKERS & OWNER-OPERATORS! 🚛

Need an insurance quote for your trucking company or owner-operators? Let Pro Guard Insurance Agency Inc. do the heavy lifting for you!

Whether you are a brand-new venture, an experienced active company, or an independent owner-operator, we have the right markets to get you covered.

✅ Why choose us?
• We work with 100+ insurance companies, meaning we do the shopping around to find you the most competitive rate possible!
• We are licensed in 29 states: AL, AR, AZ, CO, FL, GA, KY, IA, ID, IL, IN, MI, MN, MO, NC, ND, NE, NJ, NM, NV, OH, PA, SC, SD, TN, TX, UT, WA, and WI.

📍 Local to Illinois?
Come see us! We are located at 1625 W Colonial Parkway, STE F, Inverness, IL 60067 (Right near Schaumburg, off Roselle & I-90).

Give us a call today to get your free quote and see how much we can save you!

📞 Contact Us:
Office: 847-701-8070
Joanna’s Cell: 773-440-2742
Anna’s Cell: 224-595-7080
Fax: 847-463-0575

📧 Email:
Quotes: [email protected]
Joanna (Owner): [email protected]
Anna (Owner): [email protected]

Why are more insurance carriers asking to connect to your ELD? 🚛📊If you’ve shopped for commercial auto liability lately,...
07/29/2026

Why are more insurance carriers asking to connect to your ELD? 🚛📊

If you’ve shopped for commercial auto liability lately, you’ve probably noticed a growing trend: insurance underwriters aren't just looking at your loss runs and MVRs anymore—many are now requesting (or requiring) a direct telematics or ELD (Electronic Logging Device) connection.

Why the shift? It comes down to replacing guesswork with real data:

1. Personalized Risk vs. Group Averages
Traditional insurance prices your fleet based on industry averages, garaging zip codes, and historical claims. ELD data allows carriers to look at how your trucks actually operate—rewarding safe driving habits like smooth braking, controlled acceleration, and steady highway speeds.

2. Proven Hours of Service (HOS) Compliance
Fatigue is one of the leading causes of severe roadway accidents. Carriers use ELD connections to verify clean HOS logs and ensure drivers are getting required rest. A clean logbook demonstrates proactive fleet management and helps underwriters justify lower premiums.

3. Proactive Maintenance & OOS Prevention
Many ELDs capture engine fault codes and maintenance alerts before a roadside failure happens. Since high Out-of-Service (OOS) scores can trigger automatic declination from top-tier insurers, carriers love seeing that your fleet stays ahead of mechanical issues.

4. Protecting You Against Fraudulent Claims
In the event of an accident, hard GPS location data, timestamps, and speed logs act as an objective eyewitness. This makes it much easier to defend your drivers against nuclear verdicts or not-at-fault claims.

The Bottom Line:
Connecting your ELD turns your safe driving record from a promise into proof—often unlocking lower rates, better package options, and quarterly safety rebates.

Got questions about how ELD data impacts your upcoming renewal? Give us a call!

Address

1625 Colonial Parkway STE F
Inverness, IL
60067

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+18477018070

Website

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