Insurance with Frances Exume-Bitoy

I can help you translate the complex world of insurance. After all, protecting what matters most is not as simple as supply and demand. Whenever you are ready, I am available to meet with you to discuss your expectations and priorities. Why not get in touch today?

(847)-219-7682
fexume_bitoy@sbcglobal.net

Commercial Insurance

Protect your business with tailored commercial insurance designed for your unique industry. Whether you run a bustling restaurant, an auto repair shop, a retail storefront, or a consulting firm, having the right coverage is critical to safeguarding your operations, assets, employees, and customers.

We serve a diverse range of businesses, including:

  • Restaurants & Food Services - Coverage for kitchen equipment, food spoilage, liability, and employee safety.
  • Auto Service & Repair - Protection for garages, tools, customer vehicles, and shop liability.
  • Cleaning & Janitorial Services - Insurance for property damage, employee injury, and client liability.
  • Dry Cleaners & Laundromats - Coverage for equipment breakdowns, fire, and garment protection.
  • Consultants & Professional Services - Errors & omissions, cyber liability, and general liability coverage.
  • Contractors & Trades - Tools, vehicles, workers' comp, and job site liability coverage.
  • Retail & Grocery Stores - Inventory protection, theft, liability, and business interruption.
  • Hair & Nail Salons - Liability for services, equipment coverage, and employee protection.
  • Liquor Stores & Beverage Retailers - Liquor liability, theft, and property insurance.
  • Financial & Legal Services - Professional liability, data breach, and business income protection.
  • Real Estate & Property Management - Errors & omissions, tenant liability, and property damage.
  • Creative Services & Agencies - Equipment, media liability, and cyber protection.
  • Sports & Fitness Centers - Participant liability, equipment coverage, and premises safety.
  • Hotels & Motels - Guest liability, property insurance, and employee coverage.
  • Medical, Dental & Pet Care - Malpractice coverage, equipment protection, and business interruption.
  • Landscapers - Equipment, vehicle, and general liability protection.
  • Daycares, Schools & Learning Centers - Child safety, professional liability, and facility coverage.
  • Condominium Associations - Building protection, directors & officers liability, and common area coverage.
  • Nursing Homes & Assisted Living - Resident liability, employee safety, and facility protection.

No matter your industry, we help you customize coverage that meets regulatory requirements, reduces risk, and offers peace of mind — so you can focus on growing your business.

Personal Insurance

Life is full of unexpected moments — and the right personal insurance ensures you’re prepared for all of them. Whether you're protecting your home, vehicle, or investment property, we offer tailored coverage that fits your lifestyle, assets, and future goals.

Our personal insurance options include:

  • Homeowners Insurance – Safeguard your home and belongings against fire, theft, storms, and more.
  • Auto Insurance – Reliable coverage for your car, SUV, or truck — whether you’re commuting, road-tripping, or running errands.
  • Motorcycle Insurance – Ride with confidence with coverage designed for two wheels and the open road.
  • Boat & Watercraft Insurance – Enjoy the water knowing your boat, gear, and passengers are protected.
  • Landlord Insurance – Protect rental properties against damage, liability claims, and lost rental income.
  • Rental Property Insurance – Specialized coverage for investment properties, short-term rentals, and vacation homes.
  • Renter’s Insurance – Affordable protection for your personal belongings and liability as a tenant.
  • Investment Property Insurance – Comprehensive coverage for properties you own but don’t occupy.

We understand every individual and family has different needs — that’s why we take the time to customize your policy for full peace of mind. From everyday protection to long-term asset security, we’ve got you covered.

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