CONTRACTORS INSURANCE
Insurance Built for the Way You Work
We shop 15+ carriers to find the right coverage at the right price for contractors, trades, and small businesses. General Liability, Workers’ Comp, Commercial Auto and more — all in one place.
✓ Same-day certificates · ✓ 15+ carriers · ✓ 72 five-star reviews · ✓ Independent agent
Coverage Included
COVERAGE OPTIONS
Everything Contractors Need in One Place
As an independent agency we’re not tied to one carrier — we find the policy that actually fits your trade.
General Liability
Protects against third-party injury, property damage, and legal defense costs on the job site.
Get a quote →Workers' Compensation
Required in most states. We find competitive rates for crews of any size, including high-risk trades.
Get a quote →Commercial Auto
Vans, trucks, and trailers — we cover your whole fleet with the right liability and physical damage coverage.
Get a quote →Business Owners Package
GL + commercial property bundled in one smart policy. Ideal for contractors with a shop, office, or equipment.
Get a quote →Surety Bonds
License, performance, and bid bonds issued fast — often same day. Required for most licensed trades in Illinois.
Get a quote →Tools & Equipment
Covers stolen or damaged tools and equipment on or off the job site — often overlooked but critical for trades.
Get a quote →WHY INSURANCE CONTRACTORS
An Agent Who Knows the Trades
Most agents sell one carrier’s products. We’re independent — which means we work for you, not the insurance company.
TRADES WE COVER
If You Work With Your Hands, We've Got You Covered
We insure all contractor types — from sole proprietors to crews with 50+ employees.
HOW IT WORKS
Get Covered in 4 Simple Steps
No paperwork, no runaround — just straight answers and fast quotes.
Tell us about your business
Fill out our quick quote form — takes about 3 minutes.
We shop the market
We compare 15+ carriers to find the best rate for your trade.
Review your options
We walk you through your coverage options — no pressure.
Get your certificate
Policy issued fast — often same day. COI available 24/7.
COMMON QUESTIONS
Contractors Ask Us This All the Time
What insurance does a contractor actually need?
Most contractors need General Liability at a minimum. If you have employees, Workers’ Compensation is required by law in Illinois. If you drive a company vehicle, Commercial Auto is essential. A BOP bundles GL and property coverage for contractors with a shop or office
How much does contractors insurance cost?
GL policies for low-risk trades start around $500–$800/year. Higher-risk trades like roofing or excavation run $1,500–$3,000+. Workers’ Comp is priced per $100 of payroll. We shop 15+ carriers to find the lowest rate for your specific trade.
Can I get a certificate of insurance same day?
Yes — most policies are issued same day or next business day. Once your policy is active, you can pull certificates 24/7 through our client portal without calling us.
Do you cover subcontractors?
Yes. We can cover businesses that use subcontractors. Carriers will ask whether your subs carry their own insurance — having subs with their own GL coverage typically lowers your premium.
What if I've had claims or been non-renewed?
We work with specialty markets that cover higher-risk contractors. Having claims or a prior non-renewal doesn’t disqualify you — it just means we shop different carriers than the standard market
Ready to get covered?
Get a free quote in 3 minutes. No obligation, no spam — just straight answers from an agent who knows the trades.