Schatz Insurance

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Schatz Insurance Serving Illinois and Wisconsin, we are an Indpendent Insurance Agency to help with all of your needs our goal is to assist you in all your insurance needs.

We sell: Home, Auto, Motorcycle, Renters, Life, Health, Commercial Property, Workers Comp, General Liab, Special Event Coverage, Wedding Insurance, Restaurant, Commercial Auto, Trucking (local), Manufacturing, and more. We will help you manage and plan for all your potential risks. Call for a quote today! We Also have an office in Pueblo Colorado!

09/22/2026

Saving money on your insurance premium sounds great…until the coverage you removed is the exact coverage you need.

Water backup coverage is often optional, and a $5,000 limit may not go very far once you start replacing flooring, drywall, cabinets, furniture, and everything else in a finished basement.

Sometimes paying a little more now can prevent a much bigger expense later.

09/18/2026

Hiring a subcontractor doesn’t automatically remove the risk.

If they don’t carry their own workers’ comp coverage, an injury involving them or potentially someone they bring onto the job could not only be a liability but a major expense if things go wrong.

Before they start the work, verify the coverage.

09/10/2026

If customers or clients are coming into your home for business, there’s an important question to ask:

👉🏽What happens if someone gets hurt?

A standard homeowners 🏡 policy MAY NOT cover every business exposure.

Whether you run a daycare, cut hair from your basement, or operate another home based business, make sure your agent knows exactly what you’re doing.

A conversation now could uncover a coverage gap you didn’t know existed.

09/05/2026

Your side hustle doesn’t have to be a full time business before insurance matters.

Driving Uber 🚘 ?
👉🏽Your personal auto policy may not cover everything.

Doing photography 📷 ?
👉🏽Your equipment may now need business coverage.

Using subcontractors 🛠️ ?
👉🏽You need to know who is responsible if something goes wrong.

The goal isn’t to buy every policy on day one. It’s to have the conversation early, understand where your risks are, and build the right coverage as the business grows.

That’s where we can help.

08/28/2026

A sign that says “fully insured” can give a false sense of security.

Because if the contractor’s coverage has gaps, you could be left responsible for medical costs, damages, or other claims.

The best protection is knowing exactly what coverage is in place before the work starts.

08/22/2026

Big claims don’t always start with big mistakes.

Sometimes it’s an unlocked door, a missed safety check or one small detail nobody thought twice about.

That’s why protecting your business is about more than just having insurance. It’s about identifying risks before they become claims and making sure you have the right coverage in place for the things you can’t prevent.

Because when something does go wrong, you want confidence that your business is protected.

08/13/2026

Hiring a contractor, handyman, painter, plumber, or electrician?

Before they start working on your property, ask for a Certificate of Insurance.

You want to verify they carry the proper liability coverage and understand what happens if someone gets injured while working at your home.

Because when something goes wrong, the question isn’t just “Are they insured?”

It’s “Who could ultimately be responsible?”

A five minute insurance conversation before the job starts can save a much bigger headache later.

08/08/2026

Your tools 🧰 and equipment 🛠️ don’t always stay at the shop, so your coverage shouldn’t either.

For contractors, the right coverage can help protect equipment while it’s in transit 🛻 , at the job site, and wherever the work takes you.

Make sure you know where your coverage stops before you find out the hard way.

07/27/2026

You already spend enough time running your business.

You should not have to waste hours contacting different carriers, repeating the same information, and trying to determine which policy is right.

Find an insurance agent you trust, let them learn your business, and allow them to do the shopping for you.

So while you focus on increasing the bottom line. We help make sure one unexpected loss does not pull it out from under you.

07/25/2026

Not every insurance claim is worth filing.

If the damage is only slightly above your deductible, paying out of pocket could save you money 💰 over the long run.

But there’s one important exception…

If the damage could get worse over time…
👉🏽especially water damage, roof leaks, or anything that can spread… REPORT IT IMMEDIATELY.

It could turn a small problem into a much larger one.

❌The key isn’t filing every claim.
✅It’s knowing which claims make sense.

Address

500 PARK Avenue STE 201
Lake Villa, IL
60046

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

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