There is no assurance that you won’t be involved in an accident, and the truth is, you don’t always control your own fate on the road. According to data from sources like the NSC (National Safety Council), distracted driving has increased by an eye-popping 127% over the past decade. That uncertainty and the need for protection are also one of the few reasons drivers from the Chicago, IL area turn to NCIB Group Inc. for all their auto insurance needs. Stay Protected On the Road and At Home Unfortunately, safe drivers have more risks than other distracted drivers, and sometimes, we don ..read more

Understanding Insurance Policies for Electric Vehicles In the streets of Greater Chicago, IL, electric vehicles, also called EVs, are gaining popularity rapidly. As a result, many drivers are left wondering how insurance policies for such vehicles differ from those of traditional gasoline-powered cars. Here, we at NCIB Group Inc. aim to dispel any confusion. Coverage Similarities Luckily, many aspects of auto insurance for electric vehicles are similar to those for conventional cars. Basic insurance coverage elements like liability, collision, and comprehensive insurance typically apply to bot ..read more

Small businesses make up a considerable proportion of all businesses. The number is 99.9 percent. There are more than 30 million small businesses in the United States. This leaves a lot of businesses at risk for all the things that could go wrong. We are independent agents at NCIB Group Inc. in Chicago, IL, offering our customers more choices and personalized service.  Property coverage Bad things happen even to good businesses, and the property coverage that commercial insurance provides can help your business recover from the results of a covered hazard. Even if you are a renter, i ..read more

If you live in a condo, the short answer is yes. And here is the long answer. While you may not own the building or land, you still need insurance for your unit and any personal belongings you may have. Condo insurance covers accidental injuries to people in your condo, fire damage, and theft of personal belongings. It may even defray the costs of temporary displacement should you need to evacuate your condo. The HOA master policy won’t cover that. Moreover, you may be required to have condo insurance in some instances.  What HO-6 Can Do For You A condo insurance policy is also known as a ..read more

Anything can happen to your business in Chicago, IL. It’s critical that you have the commercial coverage you need to take care of the unexpected. By working with experienced agents at NCIB Group Inc., you can have a policy that covers every aspect of your business. Every Industry is Unique Every industry has unique commercial insurance needs. Even individual businesses require different levels of coverage. You’ll want to consider how your commercial property is used, the level of foot traffic you get, the value of the items you may sell within your location, and more. An insurance agent will g ..read more

Homeowners insurance has the ability to create peace of mind for many. It’s the type of insurance that covers a variety of areas for the homeowner, including the interior and exterior of the home, the foundation, any structures on the property, the homeowner’s personal belongings, and more. The NCIB Group Inc. is committed to helping Chicago, IL homeowners understand the benefits of insurance and what’s covered.  What is Homeowners insurance? In short, homeowners insurance is designed to pay for the repair or replacement of your home, your personal belongings, property, and more. Personal ..read more

Chicago, IL is one of the best places in the country for great boat experiences. You can experience the best in nature and architecture, all while relaxing on the water. But if you have your own boat, you need to know the boat rules. Illinois boat owners are not required to carry boat insurance. However, you are still responsible for anything that happens if you operate a boat in Illinois. NCIB Group Inc. can help you learn your options to make the best decision about what works for you. How Can Boat Insurance Protect You And Your Family? Accidents can happen, no matter how careful you ar ..read more

Being a property owner has continued to be a good option for Chicago, IL residents. Although there might not be many options, a great type of property to acquire is a condo. With a condo, you will enjoy the advantages of owning a home while not having the same level of maintenance obligations that come with owning a house. When getting a condo, you should also get insurance as it offers valuable protection.  Protect Your Assets A condo insurance plan is helpful for Chicago residents because it can protect their assets. When you are insured with a condo plan, a part of the policy will offe ..read more

For many, paying off a car loan or lease is a huge relief. The financial sacrifices you make to pay off a car loan or lease can be difficult. As a result, many breathe a massive sigh of relief to be free from this financial obligation. Our team at NCIB Group Inc. is committed to helping Chicago, IL drivers get the coverage they need. What is Auto Liability Insurance? Auto liability insurance is the minimum required for all drivers by state law. Liability insurance covers you as a driver if you are found responsible for an accident while driving. Liability auto insurance provides coverage for i ..read more

As a boat owner in the Chicago, IL area, you know that it’s essential to take steps to protect your vessel when a storm is coming. Here are a few tips from us at NCIB Group Inc. to get your boat ready for the next storm.  Anchor your boat securely: Before a storm hits, make sure your boat is anchored securely and check the anchoring line for wear or damage.  Secure items on board: Ensure all items on board are secured and stowed away safely. This includes life jackets, fishing gear, tackle boxes, extra fuel tanks, and other loose items.  Check the dock lines: Inspect all d ..read more