Custom Insurance Solutions

Focused on People, Delivering on Promises.

If you need a strategic partner who delivers proven expertise and service excellence, look no further than Pearl Insurance Solutions.

Pearl Insurance Solutions offers customized plans to help safeguard your business against risks. We draw from a network of national insurance carriers to build unique coverage options for you, and we’re a division of one of the top 50 insurance brokers in the United States.

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Why Choose Pearl Insurance Solutions?

Our carrier partners are rated A (Excellent) or better by A.M. Best. This financial strength, combined with our high underwriting and claims standards, allows us to offer you the strongest products and services available.

Discover the advantages of Pearl Insurance Solutions:

  • Complimentary coverage analysis of all your current insurance policies
  • Expansive policy options for property, casualty, and employee benefits
  • Locally sourced customer service
  • Customized plans designed for businesses of every size
  • National experience and local values
  • Ability to fulfill the insurance needs of hard-to-place firms

Brian Gruber

Brian Gruber is a proud Peoria native with 16 years of commercial insurance brokerage experience in the life and health and property and casualty sectors. His experience ranges from working with small, family-owned agencies to global, publicly traded brokerage firms across every industry sector.

Brian possesses vast knowledge of carriers and markets, working with hundreds of highly rated insurance companies throughout his career. He takes a consultative approach to building customized solutions that help his clients protect what matters most.

Brian has served as a volunteer, board of directors member, and committee chair for many local nonprofit organizations such as the Alzheimer’s Association, Big Brothers Big Sisters, Central Illinois Community Foundation, Arthritis Foundation, Peoria Promise, Quest Academy, Easter Seals, and the Creve Coeur Club of Peoria.

Brian is a graduate of the Chamber of Commerce Community Leadership School class of 2013, and he was nominated to the Forty Leaders Under Forty class of 2014 by Inter Business Issues and Central Illinois Business Publishers.

Free Coverage Analysis

To schedule your complimentary coverage analysis, please contact Brian Gruber.

Phone: 309.679.0545


Industries We Serve

  • Agribusiness
  • Automotive
  • Aviation
  • Construction
  • Education
  • Financial institutions
  • Healthcare
  • Hospitality
  • Law firms
  • Manufacturing
  • Nonprofit
  • Public sector
  • Restaurant
  • Retail
  • Technology
  • Transportation

Additional Coverages

Protects the bond and the consumer from fraud or failure of the principal to perform its duty to the obligee, and helps repay bond issuers the principal and all associated interest payments to the bondholders in the event of default

Helps indemnify against damage to buildings while they are under construction, covering physical loss or damage to a person's or an organization's insurable interest in materials, fixtures, and/or equipment being used in the construction or renovation of the building or structure

Offers a number of specific features for property, building, business personal property, and liability automatic coverages

Provides protection for autos owned, non-owned, and rented by a business and used for furthering that business

A complete, custom commercial lines policy that contains a combination of the following: commercial property, commercial general liability, commercial inland marine, commercial crime, boiler and machinery insurance, commercial auto insurance, and farm coverage

Helps cover a business owner if they're held liable for bodily injury, property damage, or personal injury caused by another party the business owner is in contractual relations with

Covers losses due to victimization by criminals, including employee theft or other offenses that have the potential to cause financial harm

Helps cover expenses associated with a cyber breach, including public relations, good faith advertising, defense, and liability if a claim is brought against you by one of your clients who has been affected by the breach

An all-risks property insurance policy or endorsement—purchased in addition to a commercial property policy—that helps you with perils not insured against in the commercial property policy (usually flood and earthquake)

Helps cover damages or defense costs in the event the director or officer suffers losses as a result of a lawsuit for alleged wrongful acts while acting in their capacity as directors and officers for the organization

Pays the policyholder for damages caused by an earthquake

Helps protect you and your business against malpractice suits and physical damages to your office and its contents, as well as claims of discrimination, sexual harassment, and wrongful termination

Helps protect professional advice and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit

Provides coverage beyond that of an underlying policy, such as an automobile or homeowner's policy, including medical costs or other claim payments that can exceed the amount of liability insurance provided by another policy

Provides coverage for legal liability arising from claims for alleged failure to prudently act on behalf of a trust or employee benefit plan, any trustee, officer, or employee of the trust or employee benefit plan, employer who is sole sponsor of a plan, and any other individual or organization designated as a fiduciary

Protects against property loss from flooding

Involves a standard insurance policy issued to business organizations to protect them against liability claims for bodily injury and property damage arising out of (Part A) premises, operations, products, and completed operations; (Part B) advertising and personal injury liability; and (Part C) medical payments

Offers coverage against the risk associated with offering a valuable prize at a hole-in-one contest, and pays out any prizes

Covers property that is in transit or mobile, including construction, art, and transportation property

Covers expenses such as ransom money, medical care, and accidental death or dismemberment related to kidnapping or extortion

Covers your business for claims involving damages as a result of the actions of an intoxicated person

Helps protect professional advice and service-providing individuals and companies from bearing the full cost of defending against a negligence claim made by a client, and damages awarded in such a civil lawsuit

Helps notary publics with legal issues arising from mistakes that cause their client to suffer financial loss

Covers the merchandise and goods transported by vessels moving over domestic and foreign waters, and also covers damage and legal liability of shipping and moving these goods

Gap insurance for businesses and contractors who wish to protect against risks associated with construction and ongoing industrial operations, such as broken pipelines, fuel spills, and release of toxic gases

Provides protection against most risks to property, such as fire, theft, and some weather damage

Provides liability coverage, liquor, and legal defense for claims of negligence against the party hosting an activity not included in their general liability policy

Provides added protection from gaps or exclusions in commercial general liability policies, which have a self-insured retention clause requiring extra coverage for losses the policy doesn’t cover

Offers wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence