Subcontractor Insurance

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Subcontractor Insurance, IL.  Subcontractors need protection from lawsuits and claims. Your subcontracting business is busy working various jobs. You are a subcontractor and work long hours; it is what you do. Your work is normally part of a bigger project. Working Subcontractors face many challenges from residential customers.

Request for a QuoteThe last thing you want to worry about is possible claims. Claims from legal problems, accidents, injuries, natural disasters. General liability insurance is the first policy a subcontractor company should buy. Claims for bodily injury and property damage are expensive. Not to mention personal/advertising injury claims from third parties. Your Illinois subcontractor business needs a policy that is customized. It needs to be the right coverage at the best price—also, fast certificates and great service.


Subcontractor insurance agencyWho needs Subcontractor Insurance?

  • Subcontractors
  • Contractors
  • Sub Contractors


Illinois Subcontractor Businesses may need the following types of coverage:

  • General Liability Insurance: Also known as Illinois commercial liability insurance. It covers bodily injury and property damage from a third party. It is a broad coverage. It is the core policy a subcontracting business would buy.
  • Commercial Auto Insurance: Your commercial autos might be a van, pick-up, or box truck. It would help if you had proper commercial auto insurance protection. Personal policies have exclusions for business and commercial use. A commercial auto insurance policy can help protect your work vehicle(s). When going to/from job sites and while parked.
  • Business Owners Insurance: Often referred to as BOP coverage.   Will provide more bells and whistles over a general liability policy. It includes general liability insurance. But may include business income, property, personal property, sign coverage, and more. It is a bundle of coverage’s many Illinois subcontractor businesses might need. In most cases, this is the preferred policy to buy.
  • Workers Compensation Insurance: Workers’ comp insurance can help cover medical bills. Also, the lost wages of an employee who is working and hurt on the job. Illinois requires workers’ compensation insurance if you have one or more employees.

Subcontractor insuranceWhat is Illinois Subcontractor Insurance?

Subcontractor Insurance, IL. By design, it is to protect your subcontracting business. Protecting subcontractors from damages. Damages resulting from bodily injury and property damage from third parties. Common limits of coverage are $1,000,000 liability coverage per claim and $2,000,000 per year total. How is it rated? Using the owner(s) payroll and employee payroll added together. Plus, there might be more coverage or endorsements added. Things like additional insured status or tool and equipment coverage. When you think of subcontractor insurance, the first thing that should come to mind is general liability insurance.


Let Illinois General Contractors Insurance assist you in starting up a policy. We will walk you through it step by step and answer your questions along the way. Let us explain Illinois subcontractor insurance and help you. Complete our quick quote form. Or give us, Illinois General Contractors Insurance, a call at 952-469-0425.

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