Illinois Contractor’s Insurance
With exceptional access to the nation's premier construction risk programs, our Illinois Contractors Insurance solutions deliver cost-efficient protection written specifically for your trade –
Why do I need Contractors Insurance?
Contractors’ insurance protects against the financial risks present at all stages of business operations.
Construction projects are among some of the most dangerous workplaces in the nation. From equipment operators to roofing specialists, Illinois builders and subcontractors risk serious injuries from a careless worker or business owners’ negligence at any given juncture. A major bodily injury or property damage lawsuit can leave an inadequately insured business owner scrambling to avoid the financial fallout of an unpredictable loss. Illinois contractors can have peace of mind knowing the right insurance coverage will financially safeguard them from the common risks that affect a project’s day-to-day outcome.
Protect Against the Unpredictable
We encourage all contractors, subcontractors, and craft workers to visit their local city, county, or state government agencies to verify all business licensing and insurance prerequisites before the commencement of operations.
With a low rate fit for any budget, our licensed pros are on standby to assist Illinois builders and trade specialists with the necessary steps in obtaining a formidable contractors’ insurance package that best fits your business needs and budget.
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 business liability policy — also known as Illinois contractors’ commercial liability insurance places a financial hedge around your business that protects you with the following coverages:
- Contractual Liability
- Business Liability
- Products & Completed Operations
- Defense Expenses
- And Much More
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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