Illinois is a national logistics capital — Chicago's freight hub handles more rail and truck tonnage than any other city in North America. Garzor Insurance provides commercial coverage for Illinois businesses, from Chicagoland trucking operations to downstate contractors and service companies across all 102 counties.
Why Illinois is different
Chicago is the #1 freight hub in North America — critical trucking insurance market
Illinois workers' comp required for all employers — among the highest rate states
Specialized coverage for Chicago-area last-mile delivery and intermodal operations
Commercial auto programs for I-90, I-55, and I-80 corridor fleets
GL and professional liability for Illinois's diverse service economy
Bilingual advisors for Chicago's large Hispanic business community
Why Garzor Insurance
Understanding of Illinois's complex workers' comp market — we find competitive rates
Strong carrier relationships for Chicago-area trucking and logistics
Fast COI turnaround for Illinois contractors and motor carriers
4.9/5 Google rating — nationally trusted with Illinois expertise
Regulatory notes
Illinois requires workers' compensation for all employers — no exceptions. IL has some of the highest WC rates in the nation. Commercial auto minimum liability is 25/50/20. Illinois follows a modified comparative fault system (50% bar, recently reformed). Motor carriers must comply with ICC and FMCSA regulations.