Markets We Serve




General Business Insurance

Williams-Manny has been providing insurance service to businesses since 1896.  We believe our insurance knowledge can be of great benefit to your company.  Our job at Williams-Manny is to protect your company assets. 

We represent a number of insurance carriers, which allows us to help you get the coverage you need at competitive pricing.  As an independent insurance agency, we work for our clients, not for the insurance carrier.  We partner with our carriers to help deliver outstanding, award winning service and insurance products to you. 

Our team of experienced insurance professionals is eager to work for you.  Some of the carriers we represent include: Cincinnati Insurance, Amerisure, AmTrust, Bituminous, Chubb, CNA, Cincinnati, the Continental Western Group, Frankenmuth, Guide One, Hartford, Harleysville, Liberty, Philadelphia, Selective, Traveler’s, West Penn Insurance, NSI, Progressive, Zenith, and Westfield. 

Contact Your Trusted Advisor Today!


Williams-Manny provides more than 200 years of combined construction experience and expertise. We offer customized solutions designed specifically to meet your needs and reduce your risks – from project start to finish.  Our services include: contract specification review, immediate certificate issuance, managing bond programs, and providing prompt bond issuance while managing and projecting your experience modification factor.  Whether it is from a risk management, commercial insurance, or surety standpoint, Williams-Manny will protect you and your company.

Construction Risk Management

  • OSHA Compliance
  • Claims Management
  • Educational Seminars
  • Safety Reviews
  • Contract Risk Transfer
  • Certificate Reviews

Real Estate

Real estate capabilities from Williams-Manny provide a comprehensive range of solutions, including property, casualty, financial services, environmental, and additional areas of real estate related risk management. Our dedicated, professional employees provide the highest levels of service for our clients, which results in over 90% client retention. We are an ideal partner to businesses in all segments of real estate, including:

  • Developers/General Contractors
  • Consultants including construction management
  • Associations
  • Owners or managers of real estate properties including:
    • Apartments
    • Condominiums
    • Industrial
    • Office
    • Hotels
    • Retail


Understanding the manufacturing and distribution business is not a part-time job. It requires a full-time focus and a commitment to process knowledge, production procedures, and risks that can impact a business. At Williams-Manny Insurance Group, our teams of insurance, risk, and claims representatives are deeply involved in a wide variety of industries including industrial machinery, electronics, metal products, and warehousing operations.  The insights that Williams-Manny provides clients extend far beyond the placement of insurance and have a significant impact on their business.

    Areas of Focus

  • Metal Goods Manufacturing
  • Plastic
  • Proprietary Products
  • Specialized Manufacturing
  • Original Equipment Manufacturing
  • Warehousing

      Risk Management Services

  • Safety Auditing and Benchmarking
  • Workers’ Compensation Best Practices
  • Regulatory Compliance Assistance
  • Property/Facility Loss Control
  • Fleet Safety Management
  • OSHA 10-Hour Voluntary Compliance Training
  • Client Education
  • Liaison with Insurance Companies


Senior Living, Churches, Social Services

Williams-Manny has worked alongside senior living communities, churches and social service organizations for over 100 years to manage the risks specific to each group. We understand your risks and work with you to minimize them, and when appropriate, transfer these risks to insurance.

We then work with insurance carriers to develop a risk management program to safeguard you, the people you serve, staff, property and what may come in the future. We finish with a coverage plan specifically designed for you.

Specialty Coverage For:

  • Professional Liability (Occurrence or Claims Made)
  • General Liability
  • Sexual Misconduct Liability
  • Barber and Beautician Liability
  • Pastoral Liability
  • Cyber/Privacy Liability (Including HIPA HITECH act of 2013 violations)
  • Umbrellas
  • Property
  • Water Damage
  • Lost Revenue and Extra Expenses
  • Key person replacement
  • Volunteer Accident


We also provide resources for safety and management issues.

These include:

  • Documentation
  • Emergency Preparedness
  • Management Issues
  • Resident Safety
  • Property Safety
  • Child Protection
  • Volunteer Safety
  • Transportation Safety

We understand that with a claim resulting in financial loss also brings intangible and emotional loss that cannot be repaired through monetary means.  This is a motivating factor for us working with you to prevent future losses.


Williams-Manny recognizes and respects the demands and importance of teaching the next generation. Those new generations have become the future of our firm time and time again. Your work has been critical by allowing us to transition through six generations of ownership over the past 110 years. We’re immensely grateful to the educators that have trained and guided us along the way.

We are privileged to serve educators from preschools through higher education.  We have extensive experience with managing the risks that go along with educational institutions. Those risks require specialized coverage to protect the organization, board, employee and student.

Specialized Coverage for:

  • Educators Liability
  • General Liability
  • Sexual Abuse and Molestation
  • Cyber/Privacy Liability
  • Student Accidents
  • Volunteer Accidents
  • Transportation
  • Foreign Trips
  • Lost Revenue and Extra Expenses
  • Earthquake
  • Flood

The ideal educational institution includes the following:

  • Preschools
  • K-12 Public Schools
  • Private Schools
  • Churches with Schools
  • Charter Schools
  • Community Colleges
  • College/Universities


K-12 Public Schools:
Prairie State Insurance Cooperative - Williams-Manny is the exclusive service partner representing the Prairie State Insurance Cooperative in Boone, Winnebago, Stephenson, JoDaviess, and Carroll Counties.  The cooperative has over 140 members and is made of up K-12 public school districts in Illinois. It allows Illinois public school districts to pool their risks in order to obtain better protection and pricing for their school district.  Please visit the cooperative website at for additional information and contact us to see what the cooperative can do for your district.


Health Care Facilities

Williams-Manny has chosen to contractually partner with a select number of Insurance markets that share a great deal of experience in the field of Health Care.

Our markets specialize in:

  • Physicians and Surgeons
  • Midlevel and non-MD providers
  • Allied Healthcare facilities
  • Nursing Homes
  • Long Term Care
  • Community Health Centers
  • In addition, we work with some of the nation’s best specialty brokers to broaden our access to the majority of the marketplace.