LAW TIP OF THE YEAR: If you have any kind of insurance, please take a few moments to read through the policy declarations to know what is covered and what is not covered. Also make sure you look at who is covered, and who is not covered. If you are a business, make sure the business form of the entity is named right, and is called the right business type (a corporation is called a corporation, a partnership is called a partnership, a solo proprietor is called a solo proprietor). If you don’t like what is in the declarations, call the agent or the customer service department, and get them to change it. Most agents will get it fixed quick. The customer service people may resist, but they will usually do what you want. If you need to, bust on up the chain to the supervisor. If that doesn’t work, give me a call. Illinois only! Please do your review before you actually need the insurance.