Table Of Contents

Essential Guide To Chicago Commercial Property Insurance Protection

commercial property insurance chicago illinois

Commercial property insurance plays a vital role in protecting Chicago businesses from the unique challenges of operating in the Windy City. From skyscrapers in the Loop to neighborhood storefronts, property insurance safeguards physical assets against risks like severe weather, fire, theft, and other potential disasters. In a dynamic urban environment like Chicago, where property values fluctuate and businesses face diverse threats, having comprehensive commercial property coverage isn’t just prudent—it’s essential for long-term sustainability and financial security. Understanding the nuances of commercial property insurance in Chicago requires examining both standard coverage elements and the city-specific factors that influence policy requirements and costs.

Chicago’s distinct landscape presents particular insurance considerations not found in other markets. The city’s extreme temperature fluctuations, from frigid winters with heavy snowfall to hot, humid summers, create unique property risks like pipe freezing, ice damage, and flooding from rapid snowmelt. Additionally, Chicago’s mix of historic buildings and modern structures, dense urban neighborhoods, and varying crime rates across districts means that insurance needs vary significantly based on location and property type. Business owners must navigate these complexities while ensuring their coverage adequately protects their investments against both common and Chicago-specific threats.

Types of Commercial Property Insurance in Chicago

Chicago businesses have multiple options when it comes to commercial property insurance, with policies designed to address different types of properties and risk levels. Understanding these variations helps business owners select the most appropriate coverage for their specific needs. The right type of policy depends on factors like property ownership status, building age, location, and business operations. Working with an insurance professional who understands Chicago’s unique commercial landscape can help businesses navigate these choices efficiently, much like how employee scheduling software helps optimize workforce management.

  • Basic Form Policies: Entry-level coverage protecting against fundamental risks like fire, windstorms, explosion, and smoke damage—suitable for lower-risk businesses in stable Chicago neighborhoods.
  • Broad Form Policies: Mid-tier protection that covers everything in basic policies plus additional perils such as water damage, structural collapse, and sprinkler leakage—popular among mid-sized Chicago businesses.
  • Special Form Policies: Comprehensive coverage that protects against all risks except those specifically excluded—ideal for high-value properties in downtown Chicago and premium commercial districts.
  • Business Owner’s Policy (BOP): Package policies combining property and liability coverage, often more cost-effective for small to medium-sized Chicago businesses that qualify.
  • Industry-Specific Policies: Tailored insurance packages designed for particular business types, addressing unique risks faced by Chicago’s retail, hospitality, healthcare, and manufacturing sectors.

When selecting a policy type, Chicago business owners should consider their location-specific risks. Properties near Lake Michigan may need stronger wind and water damage protection, while businesses in older buildings might require special considerations for code compliance and historic preservation. Additionally, properties in areas with higher crime rates may need enhanced theft and vandalism coverage. Consultation with an insurance broker familiar with Chicago’s diverse neighborhoods can provide valuable guidance on appropriate coverage levels.

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Key Coverage Components for Chicago Businesses

Commercial property insurance policies in Chicago typically include several essential coverage components, each addressing different aspects of property protection. Understanding these components helps business owners ensure they have comprehensive protection without gaps that could lead to significant out-of-pocket expenses following a loss. Effectively managing these coverage elements requires attention to detail similar to how businesses might use team communication tools to coordinate complex projects.

  • Building Coverage: Protects the physical structure including permanently installed fixtures, machinery, and equipment—crucial for property owners in Chicago’s varied architectural landscape.
  • Business Personal Property: Covers furniture, inventory, equipment, and other contents within the building—essential for Chicago retailers, restaurants, and service businesses.
  • Business Interruption Insurance: Compensates for lost income during disaster recovery—particularly important in Chicago where severe weather can force temporary closures.
  • Extra Expense Coverage: Pays for additional costs incurred to keep a business running after property damage—valuable for businesses in competitive Chicago markets where maintaining operations is critical.
  • Ordinance or Law Coverage: Covers increased costs of rebuilding to current codes—especially important in Chicago where building codes are regularly updated and strictly enforced.
  • Equipment Breakdown Coverage: Protects against mechanical or electrical equipment failures—vital for Chicago businesses dealing with heating systems essential during harsh winters.

Chicago businesses should pay particular attention to coverage limits and valuation methods. Replacement cost coverage pays to rebuild or replace property without deduction for depreciation, while actual cash value coverage deducts for depreciation. Given Chicago’s high construction costs and the premium value of commercial space in desirable neighborhoods, opting for replacement cost coverage often provides more adequate protection despite higher premiums. Additionally, businesses should regularly review and update coverage amounts to account for property improvements, equipment upgrades, or inventory changes.

Chicago-Specific Risk Factors for Commercial Properties

Chicago presents unique risk factors that directly impact commercial property insurance needs and costs. These local conditions create specific vulnerabilities that business owners must address through their insurance coverage. Understanding and mitigating these Chicago-specific risks requires strategic planning similar to how businesses might implement workforce optimization to handle variable staffing needs across different seasons and conditions.

  • Extreme Weather Conditions: Chicago’s severe winters with heavy snowfall, ice storms, and sub-zero temperatures can cause structural damage, pipe bursts, and roof collapse—requiring robust weather-related coverage.
  • Flooding Concerns: Proximity to Lake Michigan and the Chicago River increases flood risk for many commercial properties, particularly during spring thaws—often requiring separate flood insurance policies.
  • Urban Density Issues: Chicago’s densely packed commercial districts mean that fires or structural problems can easily affect adjacent properties—necessitating coverage for contingent business interruption.
  • Historic Building Challenges: Many Chicago commercial properties are in historic structures with unique architectural features that are expensive to repair or replace—requiring specialized coverage.
  • Crime Rate Variations: Property crime rates vary significantly across Chicago neighborhoods, affecting theft and vandalism risk and corresponding insurance requirements.

Chicago businesses should also consider less obvious risk factors like infrastructure vulnerabilities. The city’s aging water mains occasionally burst, causing unexpected flooding to nearby properties. Similarly, power outages during extreme weather events can lead to business interruption and potential property damage from systems failures. Comprehensive commercial property policies should address these Chicago-specific contingencies, possibly through endorsements or riders that expand standard coverage to include these local risk factors. Working with insurance providers familiar with Chicago’s unique landscape can help businesses identify and address these location-specific vulnerabilities.

Cost Factors for Commercial Property Insurance in Chicago

The cost of commercial property insurance in Chicago is influenced by numerous factors that insurance underwriters consider when calculating premiums. Understanding these factors helps business owners anticipate costs and potentially implement measures to secure more favorable rates. Managing these cost drivers effectively requires attention to detail and strategic planning, similar to how businesses might use retail scheduling solutions to optimize staffing costs while maintaining operational excellence.

  • Property Location: Premiums vary significantly based on neighborhood—downtown Chicago and the Gold Coast typically have higher rates than some outlying areas due to property values and density.
  • Building Characteristics: Construction type, age, and condition substantially impact costs—Chicago’s older buildings often command higher premiums unless they’ve been fully updated.
  • Fire Protection Systems: Properties with modern sprinkler systems, fire alarms, and proximity to fire stations receive more favorable rates—particularly important in Chicago’s historic districts.
  • Security Measures: Buildings with security systems, surveillance cameras, and controlled access typically qualify for lower premiums—especially relevant in areas with higher crime statistics.
  • Business Operations: The nature of activities conducted on the premises affects risk assessment—restaurants in Chicago face different risks than office buildings or retail stores.

Chicago businesses should also consider how coverage limits and deductible choices affect their premiums. Higher deductibles generally lower premium costs but require more out-of-pocket expense when claims occur. Similarly, coverage limits should accurately reflect property values and potential replacement costs, which tend to be higher in Chicago’s competitive real estate market. Working with an insurance broker to find the optimal balance between adequate protection and affordable premiums can help businesses manage their insurance expenses while maintaining appropriate coverage levels. Regular policy reviews are essential as property values, business operations, and Chicago’s risk landscape evolve over time.

Choosing the Right Commercial Property Insurance in Chicago

Selecting the right commercial property insurance in Chicago requires careful consideration of multiple factors to ensure adequate protection without unnecessary expense. The process involves evaluating your specific business needs, understanding available coverage options, and finding reputable providers familiar with Chicago’s commercial landscape. This selection process requires strategic thinking and evaluation, similar to how businesses might assess scheduling software solutions to improve operational efficiency.

  • Comprehensive Risk Assessment: Conduct a thorough evaluation of your property’s specific vulnerabilities based on Chicago location, building characteristics, and business activities.
  • Local Insurance Expertise: Work with agents or brokers who specialize in Chicago commercial properties and understand neighborhood-specific concerns from the Gold Coast to Pilsen.
  • Policy Comparison: Evaluate multiple quotes with attention to coverage limits, exclusions, and endorsements—not just premium costs—to ensure appropriate protection.
  • Financial Stability: Verify the insurance provider’s financial strength ratings to ensure they can fulfill obligations during widespread claims events like Chicago blizzards or severe storms.
  • Claims Process Review: Investigate potential insurers’ claims handling reputation and process efficiency—particularly important in Chicago where weather events can cause widespread simultaneous claims.

Chicago business owners should also consider working with independent insurance brokers who can provide quotes from multiple carriers rather than captive agents representing single companies. This approach provides access to more options and potentially better coverage customization. Additionally, businesses with multiple locations throughout Chicago and surrounding suburbs should ensure their policies provide consistent protection across all properties while accounting for location-specific risks. Insurance needs should be reviewed annually and after any significant business changes, property improvements, or shifts in Chicago’s risk landscape to maintain optimal coverage.

Legal Requirements and Compliance in Chicago

Chicago businesses must navigate both state and local requirements regarding commercial property insurance. While Illinois law doesn’t mandate commercial property insurance for most businesses, various circumstances effectively make it a requirement. Understanding these legal and compliance aspects helps businesses avoid penalties, contractual violations, or financial vulnerabilities. Managing these requirements requires attention to detail and staying current with regulations, similar to how businesses use labor compliance tools to ensure workforce management meets legal standards.

  • Mortgage Requirements: Most commercial lenders in Chicago require property insurance as a condition of financing—often with specific coverage minimums and named insured requirements.
  • Lease Obligations: Commercial leases in Chicago typically require tenants to maintain property insurance for their business contents and often liability coverage.
  • Industry-Specific Regulations: Certain Chicago businesses face industry-specific insurance requirements—particularly those in healthcare, food service, or financial services.
  • Building Code Compliance: Chicago’s strict building codes may require specific coverage elements, particularly for historic structures or buildings in special zoning districts.
  • Contractual Requirements: Business contracts with vendors, clients, or partners often include insurance requirements that must be satisfied with appropriate coverage.

Chicago businesses should also be aware of potential consequences for non-compliance with insurance requirements. Beyond the obvious risk of uncovered losses, businesses may face lease termination, loan default, contract breaches, or inability to secure permits for certain activities. Additionally, some business licenses in Chicago require proof of insurance, and failure to maintain coverage can jeopardize operational authority. Working with legal counsel familiar with Chicago commercial requirements can help businesses ensure their insurance coverage satisfies all applicable obligations while also providing genuine protection against property risks.

Claims Process for Commercial Property Insurance

Navigating the claims process effectively is crucial for Chicago businesses to recover quickly after property damage or loss. Understanding how to properly file and manage claims can significantly impact the speed and amount of reimbursement received. Having clear procedures in place before incidents occur helps businesses respond promptly and efficiently, similar to how team communication strategies ensure organizations respond effectively to unexpected situations.

  • Immediate Response: Document damage promptly with photographs and detailed notes—particularly important in Chicago where weather damage may worsen if not addressed quickly.
  • Prompt Notification: Contact your insurance provider immediately following property damage—most Chicago policies have specific timeframes for claim notification.
  • Thorough Documentation: Maintain comprehensive records of all damaged property, including acquisition dates and values—essential for accurate claim valuation.
  • Mitigation Measures: Take reasonable steps to prevent further damage while awaiting claims processing—required by most policies and particularly important during Chicago’s extreme weather events.
  • Professional Assessment: Consider hiring independent adjusters or contractors for significant claims—especially for complex damage in historic Chicago buildings or specialized facilities.

Chicago businesses should maintain detailed pre-loss inventory records and regularly update them to facilitate claims processing. This documentation should include photos or video of property, equipment lists with serial numbers, and receipts for major purchases. Additionally, having a designated claims management team familiar with your policy details and prepared to interface with insurance adjusters can streamline the process. For significant losses, businesses might consider engaging public adjusters who represent policyholder interests rather than insurance companies. These professionals are particularly valuable for complex claims involving Chicago’s unique architectural features or specialized business equipment that may be difficult for standard adjusters to assess accurately.

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Risk Management Strategies for Chicago Businesses

Effective risk management extends beyond purchasing insurance to include proactive measures that reduce the likelihood and potential severity of property losses. For Chicago businesses, implementing comprehensive risk management strategies can not only lower insurance premiums but also minimize business disruptions and preserve property value. These preventative approaches require systematic planning and implementation, similar to how businesses might use strategic workforce planning to prepare for operational challenges and opportunities.

  • Weather Preparedness: Develop specific protocols for Chicago’s seasonal challenges—including winter weatherization, flood prevention, and summer storm readiness.
  • Fire Prevention Systems: Install and regularly maintain comprehensive fire detection and suppression systems—crucial in Chicago’s older buildings and densely packed commercial districts.
  • Security Enhancement: Implement multi-layered security measures including surveillance, access control, and alarm systems—tailored to specific neighborhood crime statistics and vulnerabilities.
  • Building Maintenance: Conduct regular inspections and preventative maintenance—particularly important for Chicago properties exposed to extreme temperature fluctuations and weather conditions.
  • Business Continuity Planning: Develop comprehensive disaster recovery and business continuity plans—essential for maintaining operations during Chicago’s occasional extreme weather events.

Chicago businesses can also benefit from partnerships with risk management consultants familiar with the city’s unique challenges. These professionals can provide property-specific risk assessments, identify vulnerabilities that might be overlooked, and recommend targeted mitigation strategies. Additionally, businesses should establish relationships with emergency response contractors before disasters strike, ensuring priority service during widespread events like blizzards or flooding when service providers are in high demand. Regular employee training on property protection procedures, emergency response, and security protocols further enhances risk management effectiveness. Many insurance providers offer risk management resources or premium discounts for businesses that implement approved prevention measures, making these investments even more valuable.

Trends in Commercial Property Insurance in Chicago

The commercial property insurance landscape in Chicago continues to evolve in response to changing risks, economic factors, and technological advancements. Understanding current trends helps businesses anticipate market shifts and make informed decisions about their insurance strategies. Staying current with these developments requires ongoing attention to industry changes, similar to how businesses might leverage hospitality management tools to adapt to changing customer expectations and operational challenges.

  • Premium Rate Increases: Chicago has experienced significant commercial property premium increases in recent years—driven by severe weather events, rising construction costs, and economic inflation.
  • Technology Integration: Insurers increasingly use advanced data analytics and artificial intelligence to assess property risks and determine premiums—particularly relevant in Chicago’s diverse property landscape.
  • Climate Change Considerations: Growing emphasis on weather-related risks affecting Chicago properties—including more frequent freeze-thaw cycles, intense storms, and flooding events.
  • Cyber Protection Extensions: Expanding coverage options that combine physical property protection with cyber risk coverage—essential for Chicago’s growing technology and service sectors.
  • Parametric Insurance Solutions: Emergence of parameter-based policies that pay predetermined amounts when specific conditions occur—useful for Chicago businesses concerned about business interruption from weather events.

Chicago businesses should also note the growing importance of environmental sustainability in commercial property insurance. Many insurers now offer premium incentives for green building features, energy-efficient systems, and sustainable construction materials. This trend aligns with Chicago’s own initiatives promoting environmental responsibility, including the Chicago Energy Benchmarking Ordinance and various green building incentives. Additionally, insurers are increasingly utilizing technological solutions like IoT sensors and smart building systems to monitor property conditions in real-time, potentially preventing losses before they occur or minimizing their impact. Forward-thinking Chicago businesses can benefit from exploring these innovative approaches to property protection while also preparing for the continued evolution of the commercial insurance marketplace.

Technology’s Role in Commercial Property Insurance

Technology is transforming how commercial property insurance is underwritten, purchased, and managed in Chicago. From advanced risk assessment tools to digital claims processing, technological innovations are creating new opportunities for businesses to optimize their insurance coverage and costs. Leveraging these technological advancements requires strategic implementation, similar to how businesses utilize cloud computing solutions to enhance operational flexibility and efficiency across their organizations.

  • Predictive Analytics: Insurers use sophisticated data models to evaluate Chicago properties—considering factors from construction materials to neighborhood claim histories for more precise risk assessment.
  • Smart Building Sensors: IoT devices monitor building conditions in real-time—detecting water leaks, temperature fluctuations, or security breaches before they cause significant damage to Chicago properties.
  • Drone Inspections: Aerial property assessments enable faster, more detailed evaluations—particularly valuable for examining Chicago rooftops after storms or for large commercial complexes.
  • Digital Claims Processing: Mobile apps and online platforms streamline claims submission and tracking—reducing resolution time and improving transparency for Chicago business owners.
  • 3D Property Modeling: Advanced imaging creates detailed property models—helping accurately document pre-loss conditions and facilitate faster, more accurate claims settlements for Chicago commercial buildings.

Technology also enables more customized insurance solutions for Chicago businesses. Usage-based insurance models that adjust premiums based on actual property utilization and risk exposure are becoming increasingly available. Similarly, micro-insurance options allow businesses to obtain coverage for specific short-term needs or particular events. Additionally, blockchain technology is beginning to impact insurance contract administration, potentially creating more transparent, efficient policy management. Chicago businesses should work with insurance professionals who understand these technological advancements and can help implement solutions that align with their specific property protection needs while potentially reducing costs through more accurate risk assessment and loss prevention.

Industry-Specific Insurance Considerations in Chicago

Different industries in Chicago face unique property risks requiring specialized insurance considerations. From restaurants in the West Loop to healthcare facilities in the Illinois Medical District, each business sector has distinct vulnerabilities that must be addressed through tailored coverage. Understanding these industry-specific needs helps businesses secure appropriate protection, similar to how industry-focused healthcare scheduling tools or hospitality workforce solutions address sector-specific operational challenges.

  • Restaurants and Food Service: Require specialized coverage for cooking equipment, food spoilage, and liquor liability—particularly important in Chicago’s renowned culinary districts.
  • Healthcare Facilities: Need protection for specialized medical equipment, pharmaceutical supplies, and patient data—with additional considerations for regulatory compliance in Chicago’s extensive medical sector.
  • Manufacturing Operations: Require coverage for specialized machinery, raw materials, and finished goods—addressing Chicago’s diverse manufacturing base from food processing to electronics.
  • Retail Businesses: Need protection for inventory, fixtures, and seasonal merchandise—with particular attention to theft and vandalism risks in various Chicago neighborhoods.
  • Professional Services: Require coverage for expensive technology, client records, and office equipment—especially relevant in Chicago’s downtown business district and emerging tech corridors.

Industry-specific insurance packages often combine property coverage with other protections particularly relevant to certain business types. For example, Chicago hotels might benefit from packages that address both property protection and guest property liability, while technology firms might need coverage that encompasses both physical assets and data recovery. Working with insurance brokers who specialize in particular industries can help Chicago businesses identify both common and overlooked risks specific to their sector. These specialists can also advise on industry best practices for risk management and loss prevention, potentially reducing premiums while enhancing protection. As Chicago’s business landscape continues to diversify, these specialized insurance approaches become increasingly valuable for comprehensive risk management.

Conclusion

Securing appropriate commercial property insurance represents a fundamental aspect of business risk management for Chicago enterprises. The city’s dynamic environment—characterized by extreme weather patterns, diverse neighborhood conditions, and a mix of historic and modern structures—creates a complex risk landscape that requires thoughtful insurance planning. Businesses must carefully assess their specific vulnerabilities, understand available coverage options, and implement comprehensive risk management strategies to protect their physical assets effectively. Working with insurance professionals who understand Chicago’s unique challenges and staying informed about emerging trends and technologies in the insurance market can help businesses optimize their protection while managing costs efficiently.

The most successful approach to commercial property insurance in Chicago involves viewing coverage as part of a broader risk management strategy rather than simply a required expense. This includes implementing proactive loss prevention measures, maintaining accurate property documentation, understanding claims processes before incidents occur, and regularly reviewing and updating coverage as business needs and property values change. Additionally, businesses should consider how their insurance strategy integrates with other aspects of their operation, from emergency response planning to technology implementation, creating a comprehensive approach to property protection. By taking this holistic view and working with knowledgeable insurance partners, Chicago businesses can develop insurance solutions that provide genuine security and peace of mind in an unpredictable world.

FAQ

1. How much does commercial property insurance cost in Chicago?

Commercial property insurance costs in Chicago vary widely based on multiple factors including property location, building construction and age, business operations, coverage limits, and risk management measures. Premiums can range from approximately $500 annually for a small business with minimal property exposure to tens of thousands of dollars for large facilities or high-risk operations. Downtown Chicago properties typically command higher premiums due to higher property values and density, while rates may be lower in some outlying neighborhoods. The best way to determine specific costs is to obtain quotes from multiple insurers based on your exact property specifications and business needs. Many businesses find that implementing robust security and safety measures can help reduce premiums substantially over time, making risk management investments cost-effective in the long run.

2. Are there special insurance considerations for historic buildings in Chicago?

Yes, historic buildings in Chicago require specialized insurance approaches. These properties often need coverage that addresses unique architectural features, original materials that may be difficult to source today, and craftsmanship that’s more expensive to replicate. Insurance policies should include specialized coverage options like ordinance or law coverage to address the additional costs of rebuilding to current codes while preserving historic elements. Historic designation may also impose restoration requirements that exceed standard replacement costs. Additionally, many historic Chicago buildings have outdated electrical, plumbing, or HVAC systems that present higher risks unless updated. Insurance for these properties often requires detailed documentation of architectural features, professional appraisals to establish accurate replacement values, and specific endorsements to ensure adequate protection. Working with insurers who specialize in historic properties and understand Chicago’s preservation requirements is essential for appropriate coverage.

3. How do Chicago weather conditions affect commercial property insurance?

Chicago’s extreme weather significantly impacts commercial property insurance in several ways. The city’s harsh winters with sub-zero temperatures, heavy snowfall, and freeze-thaw cycles create risks like pipe bursts, ice dams, roof collapse from snow load, and water damage from spring thaws. Summer brings its own challenges with severe thunderstorms, occasional flooding, and high winds. These weather risks generally result in higher baseline premiums for Chicago properties compared to more temperate locations. Insurers evaluate property-specific vulnerabilities like roof condition, drainage systems, pipe insulation, and proximity to bodies of water when determining rates. Businesses can mitigate these weather-related premium factors by implementing preventative measures such as improved insulation, updated roofing, snow removal plans, and water detection systems. Some insurers offer premium discounts for weather-resistant construction features or proven risk management programs designed to address Chicago’s specific seasonal challenges.

4. What is the difference between replacement cost and actual cash value in commercial property insurance?

Replacement cost and actual cash value represent two different methods of valuing property losses, with significant implications for claim settlements. Replacement cost coverage pays the full cost to repair or replace damaged property with new items of similar quality and functionality, without deduction for depreciation. This provides more complete protection but comes with higher premiums. Actual cash value coverage, on the other hand, pays the replacement cost minus depreciation, accounting for the property’s age and condition at the time of loss. While less expensive, this coverage may leave Chicago business owners with significant out-of-pocket expenses following a claim, particularly for older buildings or equipment. The difference is especially important in Chicago’s competitive construction market, where rebuilding costs are substantial and rising. Most commercial property experts recommend replacement cost coverage whenever financially feasible, particularly for buildings where depreciation could significantly reduce claim payments under actual cash value policies.

5. How can I lower my commercial property insurance premiums in Chicago?

Chicago businesses can employ several strategies to reduce commercial property insurance premiums while maintaining adequate protection. Installing comprehensive security systems, fire detection and suppression equipment, and water leak detection devices demonstrates risk mitigation to insurers, often resulting in premium discounts. Selecting higher deductibles typically lowers premium costs, though businesses should ensure they can cover these out-of-pocket expenses when claims occur. Bundling multiple insurance policies with the same carrier frequently provides multi-policy discounts. Regular building maintenance and updates to electrical, plumbing, and roofing systems reduce risk profiles and corresponding premiums. Implementing formal risk management programs and employee training on safety procedures can also positively influence rates. Additionally, working with experienced insurance brokers who understand Chicago’s market and can negotiate effectively with multiple carriers often results in more competitive pricing and appropriate coverage. Annual policy reviews ensure coverage remains aligned with current needs without unnecessary elements that increase costs.

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Author: Brett Patrontasch Chief Executive Officer
Brett is the Chief Executive Officer and Co-Founder of Shyft, an all-in-one employee scheduling, shift marketplace, and team communication app for modern shift workers.

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