Preserving the Success of Your Business

Offering quality insurance and effective, results-driven resources to protect your Midwest business.

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Pitcher Insurance Agency

Learn more about our agency.

Since 1988, Pitcher Insurance Agency has provided the highest quality of professional service and custom-tailored insurance solutions for businesses of Palatine, IL and across the Midwest. We believe in being a valuable resource for our clients when it comes to mitigating their risks and protecting their business. Our team of agents offer customized insurance programs to meet our client’s particular coverage needs, taking into careful consideration of their specific risk tolerances and areas of loss exposure.

While we offer expertise in many lines of business insurance, our advisors have extensive experience and put much focus on mid-sized manufacturers, wholesalers, contractors, and many industries of the region. We emphasis on lowering our clients’ total cost of risk through a thorough risk management process, in addition to offering safety solutions, and many other resources to help your business thrive.

Learn More About Us

Pitcher Insurance Agency

Learn more about our agency.

Since 1988, Pitcher Insurance Agency has provided the highest quality of professional service and custom-tailored insurance solutions for businesses of Palatine, IL and across the Midwest. We believe in being a valuable resource for our clients when it comes to mitigating their risks and protecting their business. Our team of agents offer customized insurance programs to meet our client’s particular coverage needs, taking into careful consideration of their specific risk tolerances and areas of loss exposure.

While we offer expertise in many lines of business insurance, our advisors have extensive experience and put much focus on mid-sized manufacturers, wholesalers, contractors, and many industries of the region. We emphasis on lowering our clients’ total cost of risk through a thorough risk management process, in addition to offering safety solutions, and many other resources to help your business thrive.

Learn More About Us

Risk Management

Solutions to help you plan and prepare for the future of your business.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

Risk Management

Solutions to help you plan and prepare for the future of your business.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Employee Benefits

Coverage that can help attract, retain, and protect your team.

1

Identify Exposures

In the crucial initial phase, we invest the time to understand your business to help you identify the risks that face your business. By evaluating the effectiveness of risk management programs, practices, and resources under real-world conditions, we ensure the right protection.

2

Define Strategies to Handle Risk

Once we have developed a thorough understanding of your business, including your industry, corporate culture, and operating procedures, we move beyond insurance, exploring a spectrum of proven alternative strategies to minimize risk and reduce insurance costs.

3

Implementation of Programs

During the implementation process, we put in place specially tailored programs and strategies designed to protect your assets while reducing insurance costs. A strong belief in our process motivates underwriters to offer much lower insurance costs on your behalf.

4

Ongoing Monitoring and Adjustments

You and your business are dynamic–what works for you today might not work as well tomorrow. For this reason, we continue to monitor and adjust your risk management programs to ensure a perfect fit as your business evolves and changes.

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The Pitcher Process

A four-step process used to identify, understand, implement, and monitor risk management strategies for you and your business.

Total Cost of RiskLearn More

Real clients. Real reviews. Real coverage.

“I went to Ken Pitcher when I first moved back to Palatine, IL in 2007. Ken is very professional and knowledgeable about the insurance products he offers. He is very pleasant to work with and I will continue to recommend Ken to my family and friends.”

Jennifer S.
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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We are proud members of Trusted Choice.
  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How
Protecting Our Region

We are local to the Midwest and can offer advice and guidance on how to best protect your business based on the risks of our region.

More Than Insurance

We are more than just insurance, we go the extra mile to exceed your expectations offering valuable resources to help your business thrive.

Sophisticated Resources

We have been serving for over 30 years and are well versed in many industries and programs that enable us to preserve your business.

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Click it. Read it. Cover it.

Get a glimpse of the risks you face and how your insurance can protect what matters most.

Manufacturer

Commercial General Liability Insurance

Risk Factor

The manufacturing business is unique and comes with many exposures, which can lead to a potential lawsuit. What if a fire breaks out and damages the building and halts production, causing you to default on your delivery contracts? Would your business survive?

Solution

Commercial general liability insurance is an absolute necessity for a manufacturing business. This type of protection provides broad coverage for premises, operations, completed operations and advertising, and personal injury. It will also pay to defend any covered lawsuit or action regardless of its merit. Coverage can be purchased as a separate policy and can be tailored to your specific needs. Coverage limits generally range from $100,000 to $1,000,000.

Commercial Property Insurance

Risk Factor

When a gas tank explosion causes an uncontrollable fire, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your manufacturing business.

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Business Interruption Insurance

Risk Factor

What would you do if a fire impacted the operation of your production line and prevented you from serving clients for a day or more? Or what if a pipe leak caused a system outage or extended downtime, leaving your production line inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your manufacturing facility cannot operate as normal due to damage that is covered under your commercial property insurance policy, such as fire or water damage. Business interruption insurance covers the revenue you would have earned, based on your financial records, had the incident not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Product Recall Insurance

Risk Factor

When a product you manufacture is found to be defective and causes bodily injury or property damage to others, you may be held financially liable. Product recalls can be involuntary (required by a regulatory agency or the government) or voluntary (the manufacturer notices a defect that is unlikely to force an involuntary recall), and can be costly.

Solution

Product recall insurance covers expenses associated with recalling a product from the market. Coverage can include customer notification costs, shipping costs, and disposal costs. Coverage generally applies to the manufacturing business itself, though additional coverage can be purchased to cover the costs of third parties.

Workers’ Compensation and Employers Liability

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation and employers liability insurance protects your employees should a job-related injury or sickness occur during the course of employment. Since benefits vary by state law, make sure your insurance agent is aware of all physical locations your business operates in and all physical locations where you hire your employees.

Business Auto Insurance

Risk Factor

As a manufacturing business, you have many exposures associated with your business vehicles–owned or leased. With a fleet of cars, trucks, vans, or other types of vehicles used in the course of business, a single accident can potentially put your business in financial jeopardy.

Solution

Business auto insurance provides coverage for vehicles owned or leased by your manufacturing business and provides coverage for bodily injury, property damage, and other exposures, and could include comprehensive and collision coverage as well.

Commercial Umbrella / Excess Insurance Policy

Risk Factor

Losses and lawsuits are quite common in the manufacturing business, and settlements can be substantial. If your business is found to be responsible for damage or injury, you could be facing a large liability loss that exceeds the basic limits of your standard policy.

Solution

You should consider purchasing a commercial umbrella insurance policy, which provides higher limits, typically between $2,000,000 and $10,000,000, and often broadened coverages. Coverage is extended over your general liability insurance, workers’ compensation, and business auto insurance. It provides a great safety net and helps ensure your manufacturing business is well protected.

Motor Truck and Ocean Cargo Insurance

Risk Factor

As a manufacturer, you’re constantly shipping your cargo around the world either by land, air, or sea, which exposes your business to risk as a result of product loss, theft, or damage.

Solution

You can purchase ocean marine insurance for your products while your shipments of goods are in transit, whether it's by truck, rail, air, ship, or boat, and until they reach their final destination.

Manufacturer Insurance 101

Make sure you cover the unique risks you face with manufacturer insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.
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Palatine, IL

800 East Northwest Highway, Suite 325
Palatine, IL 60074

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