Contractor Insurance
in Illinois
Stay Compliant and Covered in Illinois’ Fast-Paced Building Industry
Whether you’re managing projects in Chicago or remodeling homes in Springfield, Illinois, contractors face strict licensing rules, legal exposure, and jobsite hazards. ACI makes it easy to get affordable, trade-specific insurance that keeps you compliant, protected, and ready for whatever the job throws at you.
Why Contractors in Illinois Choose ACI
Instant Quotes
Get covered in minutes, with no phone tag or paperwork delays.
Tailored Coverage
Insurance built for your trade, crew size, and risk level.
State Expertise
We help you meet Illinois licensing and legal requirements.
Bundled Savings
Bundle policies to save up to 25% and increase your protection.
Fast Certificates
Same-day proof of insurance so you can start working right away.
Insurance Coverage We Offer in Illinois
Our policies are built to protect every part of your contracting business:
- General Liability Insurance
Covers third-party property damage, bodily injury, and legal claims.
- Workers’ Compensation Insurance
Required if you have employees—covers medical expenses and lost wages from jobsite injuries.
- Commercial Auto Insurance
Protects business vehicles used for transporting tools, materials, or your crew.
- Tools & Equipment Insurance
Covers theft, damage, or loss of tools and machinery, on or off the job site.
- Builder’s Risk Insurance
Safeguards structures under construction against fire, theft, vandalism, and storm damage.
- Professional Liability Insurance
Professional Liability Insurance: Protects against claims of negligence, design errors, or code violations tied to your professional services.
Who We Cover in Illinois
If you work in Illinois construction, we’ve got a policy built for your trade. We insure:
- General Contractors
- Roofers
- Electricians
- Plumbers
- HVAC Technicians
No matter your job size or specialty, we’ll help you get the coverage you need—fast.
How Much Does Contractor Insurance Cost in Illinois?
Contractor insurance rates in Illinois depend on your trade, location, and level of risk. Here are the top factors that affect your premium:
Cost Factors
- Coverage Type
Liability, workers’ comp, auto, tools, or bundled packages.
- Business Size
More employees usually equal higher premiums.
- Revenue
Higher annual revenue typically requires greater coverage limits.
- Claims History
Fewer past claims can lead to lower rates.
- Deductible
Choosing a higher deductible can reduce your monthly premium.
Affordable Start
Many ACI clients get insured for as little as 20% down—making us one of Illinois’s most accessible options.
Get a custom quote tailored to your trade and location.
Illinois Contractor Insurance Requirements
General Liability Insurance
Many Illinois cities require general liability coverage for licensing. In Chicago, limits range from $1M to $5M, based on license class.
Workers’ Compensation Insurance
Required for all businesses with 1 or more employees, including part-time staff. Construction trades must cover even owners and officers.
Commercial Auto Insurance
Mandatory for business-owned vehicles. Illinois requires $25K per person, $50K per accident for injury, and $20K for property damage.
Requirements vary by trade and municipality. Contact ACI for personalized guidance based on your location and license type.
Get a Free Contractor Insurance Quote
in Illinois
Protect your business in minutes. We’ll guide you through your options and deliver a no-hassle, no-obligation quote.