TRUSTED BY THOSE WHO BUILD

Safeguarding Your Business for Generations

Talk to an Expert
TRUSTED BY THOSE WHO BUILD
TRUSTED BY THOSE WHO BUILD

Safeguarding Your Business for Generations

Talk to an Expert
PARIS INSURANCE AGENCY

Protecting What You’ve Built. Securing What Comes Next.

Trucking Insurance

Coverage built for motor carriers and owner-operators, from commercial auto liability and motor truck cargo to the certificates and filings your DOT number and MC authority require.

Property Insurance

Protect the buildings, equipment, and inventory your operation depends on, including terminals, yards, repair shops, and property you hold on behalf of customers or partners.

Casualty insurance

Casualty coverage responds when your business is held responsible for injury or damage to someone else, across daily operations, finished work, employment practices, and workplace injury.

Trucking Insurance

Motor carriers face exposures that a general commercial policy does not address. We place commercial auto liability on your power units, motor truck cargo for the freight in your care, and physical damage on tractors and trailers. Non-trucking liability, often called bobtail, responds when a unit is operated outside dispatch. Trailer interchange covers equipment you pull under a written interchange agreement, and reefer breakdown addresses temperature-controlled loads when refrigeration equipment fails. Excess and umbrella liability sit above the primary limits when a shipper or broker requires higher limits than the underlying policy provides.

We also handle the documents that keep freight moving. That includes certificates of insurance issued to shippers and brokers, additional insured and waiver of subrogation endorsements written to match your contract language, and the insurance filings tied to your MC authority and DOT number. Every placement depends on underwriting review, the carrier's appetite for the risk, and the terms of the policy the carrier issues.

Property Insurance

Commercial property insurance covers buildings you own or lease, along with furniture, inventory, and business personal property inside them. Smaller operations often place a business owner's policy, which combines property and general liability in a single contract rather than two separate ones. Inland marine and equipment coverage follows tools, trailers, and specialized equipment that move between job sites and yards instead of staying at one address. Business interruption replaces lost income and covers continuing expenses when a covered loss shuts an operation down, with the deductible and waiting period set during underwriting.

Premises liability applies to customers, drivers, and vendors who come onto your property. Garagekeepers coverage applies where you take custody of vehicles owned by others, such as a repair shop, tire service, or storage yard. What a carrier is willing to write, and on what terms, is determined through underwriting and stated in the issued policy rather than promised here.

Casualty Insurance

Casualty insurance covers your legal liability when your business causes injury to a person or damage to property belonging to someone else. General liability is the base layer, responding to bodily injury and property damage arising from your premises and your operations. Excess and umbrella liability extends those limits when a customer contract or broker agreement requires more than the primary policy provides. Products and completed operations covers claims that surface after a job is finished or a product leaves your control. Employment practices liability addresses allegations brought by employees, including wrongful termination, discrimination, and harassment. Workers' compensation pays medical costs and lost wages for work-related injury and is governed by state statute.

Many commercial contracts also carry specific contractual liability wording and additional insured requirements, and we read those requirements before we market the account. Coverage is written only after underwriting, reflects what the accepting carrier is willing to take on, and takes its final form in the issued policy.

150 N MICHIGAN AVENUE, CHICAGO, IL 60601

Monday - Friday 8am - 4pm

+1(312)473-2173
info@parisinsuranceagency.com
Paris Insurance Agency

FAQ

1What does a certificate of insurance prove?
A certificate of insurance is a one-page summary showing that a policy exists, who it covers, the limits carried, and the effective dates. Shippers and brokers request one before they tender a load. It is evidence of coverage rather than coverage itself, and it does not change what the policy says. We issue certificates during business hours.
2What are loss runs and how do I get mine?
Loss runs are the claim history report your current or prior carrier produces for a given policy period. Underwriters use them to price the account. Request them in writing from your current agent or carrier. Most underwriters ask for three to five years of history, valued within the last ninety days.
3Why does a broker ask to be named as an additional insured?
Additional insured status extends certain protections of your liability policy to another party, usually because a contract requires it. A broker or shipper asks for it so your policy responds if they are drawn into a claim arising from your work. It is added by endorsement, and the wording of that endorsement decides how far the protection reaches.
4What filings are tied to my MC authority and DOT number?
Interstate for-hire motor carriers must have proof of financial responsibility filed electronically with FMCSA by the insurer. That is generally a Form BMC-91 or BMC-91X filed against the MC number, while the MCS-90 endorsement attaches to the policy itself. Some states require their own filings. We coordinate filings with the carrier that writes the policy once coverage is bound.
5Is Paris Insurance Agency an insurance company?
No. Paris Insurance Agency is a licensed insurance producer in the State of Illinois, holding a Property and Casualty producer license. We do not underwrite risk, we do not issue policies, and we do not decide whether a risk is accepted. We place coverage with licensed insurance carriers on your behalf. Those carriers underwrite the risk, issue the policy, and pay claims under it. The policy the carrier issues governs your coverage in all cases.

Tell Us About the Operation. We Will Take It From There.