Commercial/Business Insurance

There are many unique needs for a small or large business, and I am prepared to help protect your organization with the appropriate industry-specific insurance in order to have the best coverages.

Whether your business is large or small, I can help you identify the right insurance products to meet the needs of your business.  Every business and industry is unique; together we will identify ways to properly insure the unique hazards/risks of your business.  As a business owner, I understand the special protection businesses need to prosper.

Let me help to evaluate your current business conditions and recommend ways to lower property, auto, workers’ compensation, and liability losses.  Lower losses will not only lower your insurance costs but also increase your productivity by avoiding downtime.

Business Owner Policy

Get an insurance policy that combines protection from all major property and liability risks in one package.


Property insurance- for buildings and contents, Business interruption insurance- covers the loss of income, Liability protection- covers your company’s legal responsibility

General Liability Insurance

Covers the costs of legal defense and will pay on your behalf all damages if you are found liable - up to policy limits.


CGL coverage is one of the most important insurance products, due to the negative impact that a lawsuit can have on a business and because such liability suits happen more frequently.

Commercial Auto Insurance

Commercial auto insurance is insurance designed for vehicles used for business purposes.


Covers the same major coverages private individuals purchase, but with higher limits with add-ons more suited for commercial driving.

Workers’ Comp Insurance

Workers’ comp protects businesses from expenses resulting from on-the-job injury or illness.


Workers’ compensation insurance is something almost every business needs, don’t leave your business at risk – whether you have employees or not.

HAVE QUESTIONS? I can help you. Contact me today for your FreeVIPQuote.


Commercial/Business Insurance

Why do I need business insurance?

Your business may very well be the main income source for you and your family in your life. With hard work and good planning, your business will pay the mortgage and pay your children’s education. But what if thieves break in? Or a fire breaks out? What if your employee(s) accidentally gets injured on the job? A customer might even sue you. Without insurance, an unfortunate accident could cost you and your business. With Business Insurance, if the unfortunate happens, the right business insurance can get you back where you belong—and keeping working toward achieving your dreams.

How much Business insurance cost?

The cost of business Insurance depends on many things. Are you buying a lot of insurance or a little? Do you have many employees or are you a one-person operation? How safe is your workplace? Do you have a good safety and accident-prevention program? These and other factors will determine how much your insurance costs.

If you ever have a question about the cost of your insurance or business coverages, I am available to discuss your options an provide you with the highest value for your insurance dollar.

“I am an Independent Insurance Advisor based out of Rockford, IL and licensed in the states of Illinois and Wisconsin.  I am proud to service the greater Rockford area – including: Belvidere, Marengo, Loves Park, Machesney Park, Freeport, Rockton, Roscoe, South Beloit, and Beloit (Northern Illinois and Southern Wisconsin).

I would appreciate the opportunity of helping you and your friends/family with all your insurance needs, including:

  1. doing a comprehensive review of your current insurance situation
  2. providing you with some competitive insurance quotes

I am ready and happy to help – Contact me today for your FreeVIPQuote, Thank you.” – Oscar G. Castillo