Our story
The agency opened in 1997. The main office is in Chicago's West Loop, on Madison Street, with three more offices: one on 63rd Street on the Southwest Side, one in Burr Ridge for the western suburbs, and one in Phoenix, Arizona.
The idea behind the agency hasn't changed since the first year. People want to talk with someone who knows their name, explains things plainly, and picks up the phone after the policy is sold. That's the job. It's still the job, and it's why we give quotes by phone instead of through a form.
On a typical day at the Madison Street office, someone is going line by line through a declarations page with a client, and a call is being handled in Spanish. A landlord is asking whether the policy on his two-flat covers the tenant's furniture. It usually doesn't. That's what a renters policy is for, and it's the kind of thing that gets sorted out in a conversation rather than a form.
About Sandra
Sandra Cavoto holds a Bachelor of Business Administration from Saint Xavier University. She is a Presidents Council Award recipient.
How we work
We explain things in plain language
Insurance is full of words that sound like English but aren't. We'll tell you what a deductible is, what "liability limits" means for you, and what a policy does and doesn't cover, without making you feel like you should already know. If you hang up unsure, that's on us. Call back and ask again.
We review your coverage with you
Before you buy, we ask about your home, your cars, your family, and your plans. The questions are the point. A teen driver who got a license and was never added to the policy, a homeowner who never updated dwelling coverage after a renovation: a conversation catches those and a form doesn't. When life changes, whether you move, buy a car, start a business, or add a driver, we'll review your policy again.
We're reachable after the sale
You can call, stop by an office, or opt in to text message updates. When you have a claim, we help you through it, from the first call to the last. See how we help during a claim.
What we offer
We offer auto, home, condo, renters, life (term, whole, and universal), business, umbrella, and motorcycle, boat, ATV, and RV insurance. See the full coverage overview.
Quotes are given by phone. There is no online form, because a short conversation lets us ask the right questions and get you an accurate number. See Get a quote.
Where we're licensed
We are licensed to sell insurance in Arizona, California, Illinois, Indiana, Kansas, Michigan, Ohio, Texas, and Wisconsin. Our Illinois insurance producer license number is 100300777, and our California license number is 0K75084. You can verify licenses through your state's insurance department or the National Insurance Producer Registry. Products and availability vary by state.
Languages
We speak English and Spanish. Hablamos español.
Our offices
Our main office is at 948 W Madison St in Chicago's West Loop. We also have offices at 6118 W 63rd St on Chicago's Southwest Side, at 7420 S County Line Rd in Burr Ridge, Illinois, and at 3420 E Shea Blvd, Suite 200, in Phoenix, Arizona. All four are open Monday through Friday, 8:30 am to 5:30 pm, and by appointment on weekends. See addresses, phone numbers, and directions.
How we're regulated
Insurance agencies and agents are licensed and regulated by state insurance departments. Our Illinois offices are regulated by the Illinois Department of Insurance (opens in a new tab), which runs a consumer hotline at 866-445-5364 and accepts consumer complaints online (opens in a new tab).
Our Phoenix office is regulated by the Arizona Department of Insurance and Financial Institutions (opens in a new tab), which also accepts complaints online (opens in a new tab).
If you ever have a concern about how we've handled your business, please call us first at (312) 666-4424. We would rather fix a problem than have you live with it.