Contractors Insurance Designed for Your Trade
As an independent agency located in Loves Park, IL — right on the Rockford border, we work with 30+ carriers to find the right contractors insurance for your specific trade, crew size, and project types. Whether you're a solo painter or a roofing company with 20 employees, we build a package that fits.
Most contractors in the Rockford area need at minimum a general liability policy — but depending on your trade, your clients, and whether you have employees, you may also need workers compensation, commercial auto, tools and equipment coverage, and an umbrella policy for higher-value contracts.
Coverage We Offer for Contractors
- General Liability Insurance — protects you if a client or third party is injured or property is damaged on a job site
- Workers Compensation — required by Illinois law if you have employees; covers medical bills and lost wages for injured workers
- Commercial Auto — covers vehicles used for business including work trucks, vans, and company cars
- Tools & Equipment — covers your tools and equipment if stolen, lost, or damaged
- Commercial Umbrella — adds an extra layer of liability protection above your GL policy for larger contracts
- Inland Marine / Installation Floater — covers materials and equipment in transit or at a job site before installation
- Certificate of Insurance — same-day COIs available for active policyholders
Trades We Specialize In
- Painting contractors — residential and commercial
- Roofing contractors — new construction and reroof
- Electrical contractors
- Plumbing contractors
- HVAC technicians and companies
- Spray foam insulation contractors
- Landscaping and lawn care
- Janitorial and cleaning services
- General contractors and construction
- Drywall, flooring, and finish trades
Contractors Insurance Requirements in Illinois
Illinois requires workers compensation insurance for any business with one or more employees — including part-time workers. General liability is required by most general contractors, municipalities, and property owners before they'll allow you on a job site. We help you understand exactly what you need and get it in place fast.
Frequently Asked Questions
How much does contractors insurance cost in Rockford IL?
Costs vary significantly by trade, revenue, employee count, and claims history. A solo painter might pay $600-1,200/year for GL. A roofing company with employees might pay $8,000-20,000/year for a full package. We shop 30+ carriers to find the best rate for your specific situation.
Do I need insurance as a 1099 subcontractor?
Most general contractors require subcontractors to carry their own GL insurance and name the GC as additional insured. Even if they don't require it, your own GL protects you if something goes wrong on a job site.
Can I get a same-day certificate of insurance?
Yes — for active policyholders we issue certificates same day, often within the hour. Call or text (815) 691-1111.
What is additional insured and do I need it?
Additional insured means another party (like your GC or a property owner) is added to your policy so they're protected if you cause damage while on their project. Most commercial clients and GCs require this before awarding contracts.