A couple of minutes can save you up to 65% or more with
Illinois's highest-rated contractors' insurance programs –
Contractors
Insurance
Illinois
Illinois
Contractors Insurance
Stop overpaying for coverage in the Prairie State!
A couple minutes can save you up to 65% or more with the leading contractors’ insurance programs in Illinois –
Coverage for Illinois Contractors
With unprecedented access to the nation's premier construction risk programs, our Illinois Contractors Insurance solutions offer cost-efficient protection tailored specifically to your trade –
What is Illinois Contractors’ Insurance?
Illinois contractors’ insurance is your shield against the financial risks inherent at every stage of operations, providing a reliable safety net for your business.
Why Do I Need It?
Construction projects are, without question, some of the most hazardous workplaces in the nation. Whether you’re an equipment operator or a roofing specialist, Illinois builders and subcontractors face serious risks of injury due to careless workers or negligence. A significant bodily injury or property damage lawsuit can leave an underinsured business owner struggling to manage the financial fallout from an unexpected loss. However, with the right insurance coverage, Illinois contractors can have peace of mind, knowing they are financially safeguarded from the common risks that can impact a project’s day-to-day outcome.
Protect Against the Unpredictable
We encourage all contractors, subcontractors, and craft workers to check with local city, county, or state government agencies to verify all business licensing and insurance requirements before starting operations. Adhering to these regulations guarantees legal compliance and boosts your business’s credibility and reliability.
With fiercely competitive rates, our licensed professionals are ready to assist Illinois builders and trade specialists in securing a comprehensive contractors’ insurance package that best suits your business needs. Our tailored approach ensures you receive the optimal coverage necessary to protect against the specific risks associated with your projects.
Our Recommended Products
General Liability
General Liability
An Illinois contractors’ general liability policy forms the bedrock of a well-structured commercial insurance portfolio.
Illinois contractor general liability insurance protects businesses from third-party action, injury, and property damage claims.
An Illinois contractor liability policy, also known as Illinois contractors’ business liability insurance, provides a financial safeguard for your business with the following coverages:
- Business Liability
- Liability Assumed Under a Contract
- Products and Completed Operations
- Defense Costs
- Plus Additional Protection
Workers' Comp
Workers' Comp
Illinois contractors’ workers’ comp is a no-fault system of benefits paid by employers to employees who experience work-related injuries or diseases.
Illinois contractor workers’ comp insurance provides:
- Medical Benefits
- Disability Benefits
- Death Benefits
An employer that knowingly and willfully fails to provide Illinois contractors’ workers’ compensation insurance may be subject to severe state-imposed fines and penalties.
Please log on to the Illinois Workers Compensation Commission website to verify Illinois contractors’ workers’ comp insurance rules and regulations.
Surety Bonds
Surety Bonds
Illinois contractor surety bonds protect the consumer by ensuring the contractor (principal) will abide by the applicable terms outlined in the awarded contract.
Various residential and commercial job owners require an Illinois contractors’ surety bond before bidding on a construction project or commencing operations.
Commercial Auto
Commercial Auto
An Illinois contractors’ commercial auto policy protects business vehicles involved in an accident, stolen, vandalized, or other covered peril.
Illinois contractor commercial auto insurance safeguards your company vehicles against liability when you or an insured driver are found liable for an at-fault accident.
An Illinois contractors’ business auto policy — also known as an Illinois contractor commercial auto policy, provides essential coverage for the following:
- Combined Single Limits (CSL)
- Bodily Injury & Property Damage
- Comprehensive & Collision Damage
- Uninsured & Underinsured Motorist
- Hired & Non-Owned Vehicles
- Medical Payments
- And Much More
Inland Marine
Inland Marine
Also known as Illinois contractor inland marine insurance, an Illinois contractor tool and equipment policy will reimburse business owners for tools, equipment, and mobile machinery damaged or stolen at a job site, in transit, or while in off-site storage.
Illinois contractors’ inland marine insurance provides broad property coverage against such common perils:
- Theft
- Fire
- Wind
- Hail
- Water Damage
An Illinois contractor inland marine policy will provide “installation” and “builders risk” coverage.
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