Every business is unique, which is why we provide customized policies to fit the specific needs of each of our business clients.

General Liability
Commercial Property 
Business Interruption
Professional Liability 
Workers Compensation
Cyber Liability
Commercial Umbrella
Commercial Auto 
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Business insurance includes a broad range of policy options from property, to liability, to workers' comp designed to protect businesses from financial loss. Since every commercial operation has its own unique set of risks, each insurance policy must be tailored to the business and its own specific needs. At Elwell independent insurance agent works with you to customize a coverage package just for your business.
General Liability - Liability insurance is a type of coverage that protects the insured against lawsuits and legal claims of bodily injury or property damage caused by the business or other entity. The right liability insurance reimburses the policyholder for legal costs, including attorney, court, and settlement fees, regardless of whether they're actually at fault.
Commercial Property Insurance - A critical aspect of business insurance package is commercial property insurance.  Commercial property insurance helps to protect many types of business property from numerous threats.  Coverage can be applied to business equipment as well as buildings, inventory, and/or products inside. Since commercial property is prone to numerous perils including theft, fire, vandalism, and more, having the right protection is critical to your business’s success.
Business Interruption Insurance - One important aspect of business insurance is business interruption coverage. Business interruption coverage kicks in during temporary closures and suspended operations caused by covered perils. Coverage reimburses for lost income as well as employee wages during the shutdown. Business interruption coverage is extremely important for many businesses in order to stay afloat.
Professional Liability Insurance - Even if you’re an expert in your business, mistakes happen. And if your client or customer thinks a mistake in your professional services caused a financial loss, they can sue you. Professional liability insurance helps cover you and your company if you make a mistake in your professional services. This coverage is also known as errors and omissions insurance (E&O).
Workers Compensation - Workers’ compensation is a type of commercial insurance that covers employees’ workplace injuries. It also serves one other key function that helps differentiate it from other types of insurance: it prevents employees from suing their employers for workplace injuries.  Workers' comp is fairly comprehensive insurance. In addition to paying an injured employee’s medical bills, it can also pay rehabilitation costs, lost wages, disability benefits, funeral expenses, and death benefits.
Cyber Liability Insurance - No matter where you’re based, cyber liability insurance is essentially a contract between a business or individual and an insurance company in which the insurer agrees to cover losses from liabilities and other costs relating to various cyberattacks. Though you may not think your business is extremely technical, with just an internet connection you’re vulnerable to attacks by cybercriminals.
Business Umbrella - Business umbrella insurance is an extension of the underlying liability insurance policies. Umbrella policies often start with coverage limits of $1 million. You can even stack more business umbrella insurance on top of that, if necessary. A business umbrella policy will provide additional liability insurance above and beyond the underlying liability insurance policies. Coverage will start once your underlying coverage limits have been met.
Commercial Vehicle - Commercial vehicle insurance is important property and liability protection for any vehicle designated for business use. Whether your business operates a whole fleet of dump trucks, semi trucks, delivery trucks, or just a simple 4-door sedan for personal/business use, the right commercial vehicle coverage is key to keeping your business trucking along.

Why Choose
Elwell & Associates?

We're not your run-of-the-mill broker. We are your clear choice for coverage, protection, and insurance information.


Competitive rates, we work with TOP insurers.

Comprehensive Coverage

We are your one-stop shop, covering all of the assets and valuables in your life. 


Nobody works harder or faster for you. Our years of experience helps us get you quotes, FAST!

Shop Local

With Elwell, you can shop local, supporting a Murphysboro business.