Personal auto on a work vehicle
Vehicles used for business often need commercial auto. Mixing the two is a common reason claims get denied.
COMMERCIAL INSURANCE · SMALL BUSINESS
Built for your business.Certificates on request.
We help Chicago-area shops, offices and service businesses build coverage for property, liability and vehicles, so you can recover from a claim and meet the insurance terms in your lease and contracts.
Since 2004insuring Chicagoland
Certificatesfor landlords and clients
One officefor tax and insurance
Who it is for
A lease asks for a certificate.A claim shows the gaps.
Property limits that lag behind
If limits do not track what it costs to reopen, a fire or theft can leave you short.
Contract terms nobody explained
Landlords and general contractors ask for specific limits. Signing first and checking later gets costly.
Coverages
Every piece fits.
Every policy is fitted to what you own and how you live or work, then reviewed with you each year.
General liability
Third-party bodily injury and property damage claims tied to your operations.
Commercial property
Building contents, equipment and improvements after covered losses like fire or theft.
Business interruption
Business income coverage that can help replace lost income while a covered loss keeps you closed.
Commercial auto
Coverage for vehicles used for work, kept separate from your personal policies.
Professional and specialty forms
Professional liability or specialty coverage when your trade needs more than a basic package.
Certificates and contracts
Certificates with the limits landlords and clients ask for, and plain answers on what they mean.
How it works
From first call to coverage.
- Step 1Tell us how you workYour trade, location, vehicles, payroll and any lease or contract requirements.
- Step 2We build the packageWe match liability, property, auto and specialty coverage to your line of work.
- Step 3We shop and compareWe compare quotes from the carriers we represent and explain the differences.
- Step 4Grow and adjustAdd workers comp, professional liability or an umbrella as your business grows.
The Ozfield difference
Your books inform your policy.One office for both.
Most people use one company for taxes, another for books and a third for insurance. With Ozfield, one team sees it all, so nothing gets lost between offices.
Workers compensationHire your first employee and your payroll and your policy stay in step.Professional liabilityPaid for advice or expertise? Add E&O next to your general liability.BookkeepingAccurate revenue and payroll figures make applications and renewals simpler.Industry programsContractors, restaurants and retailers each need a different mix.
Mr. Orkun and his team are very professional. I highly recommend this place for insurance and tax returns.
FAQs
Good questions.
Something else on your mind? Call 773-536-9272 and our office will walk you through it.
What is a business owner's policy?
A business owner's policy, or BOP, combines general liability and commercial property in one package. Many small businesses start there and add coverage as they grow.
Does my personal auto policy cover work driving?
Often it does not fully. Vehicles used for business frequently need commercial auto, and mixing the two is a common reason claims are denied.
What is a certificate of insurance?
It is a document that shows a landlord or client your coverage types and limits. We explain what a request means before you sign and provide certificates when you need them.
When does business interruption coverage apply?
Business income coverage generally responds when a covered property loss forces you to close. It can help replace lost income for a set period.
What else might my business need?
Many businesses add workers compensation, professional liability or an umbrella policy as they grow. We review your operations and contracts to decide what fits.
Get your business covered.
Tell us about your business and your contracts, and we will build a package that fits.