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Illinois General Contractors
Insurance
Illinois General Contractors Insurance specializes in providing contractors general liability insurance and other coverage’s essential to contractors, including workers’ compensation, builders risk insurance, commercial auto coverage, bonds, and insurance for tools and equipment. Illinois Contractors Insurance can be confusing. Whether you are new to the contracting business or a seasoned pro, we are here to assist you by selecting the correct coverage, from the right company, at the lowest possible price. With over 17 years of helping contractors like you, we will evaluate your risk and solve your Illinois construction company’s coverage needs.
Coverage’s provided by Illinois General Contractors Insurance
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General Liability Insurance
Protects you from bodily injury and property damage claims. This the first policy you would normally purchase and would protect you from most claims from day-to-day activities.
Tools and Equipment
Often hand tools are covered on a blanket basis with no list or schedule. There are normally limits, such as no item can exceed $500 or $1,000 in value. Equipment Insurance will protect your larger tools and more expensive portable equipment such as saws, welders, generators, nail guns. These are normally listed or scheduled on your policy.
Builders Risk
The course of Construction, COC – Providing physical damage insurance for property under construction. This can include new construction from the ground up or additions to an existing structure, remodeling. Banks and lenders will require it before financing your construction project. Theft of building materials, aka an installation floater, can often be included.
Workers' Compensation Insurance
Contractors in Illinois are responsible for providing this coverage for employees. However, but may also have the exposure because of subcontractors who have not provided workers’ compensation insurance for their employees. All independent subcontractors should be required to carry a worker compensation insurance policy and provide a certificate of insurance before being allowed on the job. For subcontractors without employees, a ghost or waiver policy is available
Business Auto Insurance
Personal auto insurance policies exclude autos used for commercial and business purposes. Therefore, you should have coverage on a policy designed for such use. If you use your automobile in business, be sure you have the right policy, and coverage is not excluded. Hauling tools and equipment is a common exclusion
Surety Bond
It is quite common for an Illinois contracting company to need a bond. It could be for a specific job or a roofing license with the state of Illinois. A bond is a guarantee of money, basically. Unlike insurance, if the bond is used, the money must be paid back. The premium is the risk and interest if it is not repaid. So, many bonding companies look at credit. On smaller bonds, they do not.
At Illinois General Contactors Insurance, we are experts and have the contractor insurance specialists to understand your risks and develop insurance solutions to fit your contracting needs. Contact us to find out more about your contractors’ insurance in Illinois, including the Chicago, Springfield, Aurora, Naperville, Joliet, Rockford, Elgin, Peoria, Champaign, and Waukegan areas.
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Look at some of the types of Illinois independent contractors we insure, then request your quote.
Independent contractors exist in every industry, especially in our ever-growing entrepreneurial society. Here are some of the most common types of independent contractors we work with daily:
- Air Conditioning Systems Installation Repair
- Appliance Repair & Service
- Blacksmith & Metal Workers
- Building Cleaning & Maintenance Services
- Cabinet Installer
- Cable & Satellite TV Installer
- Carpenter Insurance
- Carpet Cleaning
- Chimney Sweep
- Concrete Contractors
- Deck Builders
- Demolition Contractors
- Door & Window Installers
- Drilling Contractors
- Dryer Vent Cleaning
- Drywall Contractor
- Earthwork Contractors
- Electrical Contractors
- Elevator Contractors
- Excavation Contractors
- Fence Installation
- Fire & Water Restoration Contractors
- Fire Protect Contractors
- Fire Sprinkler Contractors
- Flooring Contractor
- Framing Contractors
- Garage door Installer & Repair
- General Contractors
- Glazing Contractors
- Grading of Land
- Gutter installation & Repair
- Handyman
- Hardwood Floor Installer
- Home Builders
- House Cleaning
- Housekeeping Contractors
- HVAC Contractor
- Insulation Contractor
- Interior Designer Business
- Janitorial Cleaning Services
- Landscaping
- Lathing Contractors
- Lawn Care
- Lawn Irrigation Sprinkler System Installation
- Locksmith
- Low Voltage Contractors
- All Other Classes
- Masonry Contractors
- Painters
- Paper Contractor
- Paperhanging Contractor
- Paving Contractor
- Plaster & Stucco Contractor
- Plumbing
- Pressure Washing Contractors
- Refrigeration
- Remodeling Contractor
- Roofing
- Sandblasting Contractors
- Septic Tank Cleaning
- Siding Installer
- Sign Installation & Repair
- Stone & Tiler Installer
- Subcontractor
- Swimming Pool Contractor
- Swimming Pool Service & Maintenance
- Tree Trimming & Removal
- Water Contractors
- Window Cleaning
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LOOK AT THE RECENT ILLINOIS CONTRACTORS INSURANCE ACCOUNTS WE HAVE PLACED. WE CAN HELP YOUR BUSINESS TOO!
- Roofing Contractor, independent contractor in Chicago, IL.
$1/$2 Million Liability: ONLY $2,042 / year. - Plumbing Contractor, business owner in Naperville, IL.
$1/$2 Million Liability: ONLY $950 / year. - Heating & Air Conditioning, 6 employees in Joliet, IL.
$1/$3 Million Liability: ONLY $2,965 / year. - Roofing Contractor, Large Commercial in Rockford, IL.
$1/$2 Million Liability: ONLY $59,755 / year. - Large General Contractor, independent contractor in Springfield, IL.
$1/$2 Million Liability: ONLY $66,987 / year. - Remodeling Contractor, business owner in Chicago, IL.
$1/$2 Million Liability: ONLY $825 / year.
- Painting Contractor, independent contractor in Waukegan, IL
$1/$3 Million Liability: ONLY $482 / year. - General Contractor, 90% Sub-contractors in Champaign, IL
$1/$2 Million Liability: ONLY $1,892 / year. - Electrician, Sole Proprietor in Elgin, IL.
$1/$2 Million Liability ONLY $482 / year. - Residential Home Builder, Construction Company in Bloomington, IL
$1/$2 Million Liability: ONLY $3,292 / year. - Plumbing Contractor, business owner in Arlington Heights, IL.
$1/$3 Million Liability: ONLY $2,342 / year. - Paper Contractor, Home Builder in Schaumburg, IL. $1/$2 Million Liability, plus 1 million commercial umbrella: ONLY $4,455 / year.
CLIENTS
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Testimonials – Illinois General Contractors Insurance
Check out why our customers loves us
I was skeptical at first finding you folks online. But that changed quickly. Thanks for taking the time to answer all my questions, Corey. The rates are lower than other quotes I received, and the coverage is better. Plus, you were the first person to get back to me. You earned my business.
Greg MillerIllinois Contractor
Rick, thank you for taking the bull by the horns and getting this done for us. Our current agent has been screwing around for weeks. I think our Illinois contracting business is outside their area of expertise. I will be sure and refer others to Illinois General Contractors Insurance! Great Job!!!
Jessica RossetaIllinois General Contractor & Home Builder
Rick, thank you for taking the bull by the horns and getting this done for us. Our current agent has been screwing around for weeks. I think our Illinois contracting business is outside their area of expertise. I will be sure and refer others to Illinois General Contractors Insurance! Great Job!!!