Plainfield

About Plainfield

Insurance in Plainfield, IL

Inszone Insurance writes insurance in Plainfield, IL from our office at 15300 S. Route 59. The office sits on Route 59 south of the DuPage River, a few minutes from the Lockport Street downtown and the Route 126 junction.

This office came to Inszone as Northern Insurance Group, Ltd., and much of the book here still knows it by that name. The accounts carried over and the phone number is unchanged. Northern also served Morris, and Inszone has an office there at 316 Franklin St — if you are not sure which one holds your file, either can look it up.

As an independent insurance agency in Plainfield, IL, we represent many carriers rather than one. When a renewal comes back higher than it should, or a carrier decides it no longer wants your risk, we have somewhere else to go — which matters in a state where hail and severe convective storm have made carriers steadily choosier about roofs.

Buy your insurance in Plainfield, IL!

Personal Insurance in Plainfield, IL

For Plainfield households we write homeowners, auto, renters and condo policies, landlord coverage for rental property, personal umbrella liability, and specialty lines including motorcycle, boat, RV and collector vehicles.

Illinois carries an exposure almost no other state does, and it is the one most often missed. Mine subsidence is ground settlement caused by old underground mine workings, and Illinois handles it differently from anywhere else: in 34 designated counties it is automatically included in residential and commercial policies unless the policyholder declined it in writing, and elsewhere in the state it is available by option. Two things follow. If your property is in a designated county, the question is not whether to add it but whether someone already declined it on your behalf. If it is not, the option still exists and is worth pricing. We check which case applies before quoting.

Households comparing home insurance in Plainfield, IL should also read the hail terms. Wind and hail are the losses that set Illinois property premiums, and carriers have responded with separate or percentage deductibles and roof settlement schedules that reduce what an older roof pays. Those clauses decide the outcome of a claim and they do not appear on the premium line.

Flood and earthquake sit outside the homeowners policy entirely. Flood is written through the NFIP or a private carrier, and the DuPage River and its tributaries run through this part of Will County.

Drivers looking at car insurance in Plainfield, IL should know that Illinois requires uninsured motorist bodily injury coverage at 25/50, and underinsured motorist coverage whenever uninsured limits are bought above the minimum. Property damage liability has to be at least $20,000, which is low enough to be exceeded by a single newer vehicle.

Life, health and Medicare coverage in Plainfield, IL, can be quoted through our wider team alongside the property and auto policies.

Business Insurance in Plainfield, IL

For Plainfield and Will County employers we place general liability, commercial property, business owner’s and commercial package policies, commercial auto and fleet, cyber liability, employment practices liability, professional liability and surety bonds.

Workers’ compensation in Illinois starts at the first employee, part-time included, and the exemption rules are narrower than most owners expect. Sole proprietors, partners, corporate officers and LLC members may exempt themselves — but construction and other hazardous classifications get very little latitude, and a contractor assuming the officer exemption applies to a working crew is the mistake we see most.

Mine subsidence applies to commercial property as well, on the same county rules. On a building purchase or a new lease in a designated county it is worth confirming what the policy carries rather than assuming the seller’s arrangement transferred.

Contractors, trucking and transportation, restaurants, retail, manufacturing, healthcare and professional services are all lines we write regularly. Certificates of insurance and additional insured endorsements are turned around quickly, because that is usually what is holding up a job.

Inszone Insurance agency near me

Our Plainfield insurance office is open Monday to Friday, 8:00am to 4:00pm, with weekends by appointment. Call 815-254-6363, use the quote form on this page, or stop by 15300 S. Route 59.

From here we also work with clients in Joliet, Shorewood, Romeoville, Bolingbrook, Oswego and Naperville, and across Will County. Whether you are checking whether mine subsidence is on your policy, comparing a home renewal after a hail season, insuring a first vehicle, or sorting out workers’ compensation for a new crew, our insurance specialists can talk through the options available for your situation.

Get your free insurance quote!

FAQs

What are the minimum auto insurance requirements in Illinois?

Illinois requires liability limits of at least $25,000 per person, $50,000 per accident, and $20,000 for property damage. Uninsured motorist bodily injury coverage is required at 25/50, and underinsured motorist coverage is required whenever you buy uninsured limits above the minimum.

What is mine subsidence coverage and do I have it?

Mine subsidence is ground settlement from underground mining, and Illinois handles it differently from any other state — in 34 designated counties it is automatically included in residential and commercial policies unless you decline it in writing, and it is available by option elsewhere. If you are in a mining county, check whether someone declined it for you. Flood and earthquake are separately excluded, and far southern Illinois sits within New Madrid earthquake exposure.

Does my Plainfield business need workers’ compensation insurance?

Yes. Illinois requires coverage from the first employee, including part-time workers. Sole proprietors, partners, corporate officers and LLC members may exempt themselves, but construction and other hazardous occupations get very little latitude.

Do you write policies in Joliet and the rest of Will County?

Yes. The office is on Route 59 and works across Will County — Joliet, Shorewood, Romeoville, Crest Hill and Bolingbrook — and into Kendall and DuPage for Oswego and Naperville. There is no separate paperwork for it; the same team handles the account wherever in the area the property or business sits.

Is this the same office that was Northern Insurance Group, Ltd.?

Yes. Northern Insurance Group, Ltd. joined Inszone Insurance and this office continues from 15300 S. Route 59 with the same phone number. Accounts carried over. Northern also served Morris, and Inszone has an office there at 316 Franklin St on 815-942-0017 — if you were a Northern client and are not sure which office holds your file, call either and we will find it.

How do I get a quote from your Plainfield insurance office?

Call 815-254-6363 or use the quote form on this page, and come by 15300 S. Route 59 if you would rather do it in person. Have your current declarations page to hand if you can, and for business coverage your annual revenue, payroll by class code and loss runs for the last three to five years. If a carrier has sent you a non-renewal or cancellation notice, bring it — the date on it changes what options are open.