Roofing Insurance for Illinois Contractors
Getting your roof insurance at the best price now is cheap, easy, and hassle-free!
Looking for Illinois roof insurance? Quit looking! With us, you will find multiple coverage options including general liability, commercial auto, workers compensation, and other coverage options with a top insurance provider you can trust.
It’s important for roofing contractors to have the right insurance coverage to protect themselves, their business, and their customers. In Illinois, it’s required by law that all roofing contractors hold a license due to the dangerous nature of the job. Whether you’re a general contractor, subcontractor, or specialty contractor, purchasing affordable insurance is the best way to lessen the risks involved. We offer several insurance options to help you make an informed decision and choose the best protection for your roofing business in Illinois.
General Liability Insurance for Roofing Contractos in Illinois
Illinois general liability insurance covers the expenses of defending and settling claims, whether genuine or false, related to bodily injury caused to a customer at the customer’s place of business. In addition, this type of insurance provides coverage for employee injuries that occur in the client’s workplace, property damage, bodily or personal injury, resulting from defamation, and premises liability, among others.
However, this policy has specific exclusions you must take into account before purchasing anything. General liability insurance for Illinois roofers does not cover:
Professional blunders: When a claim arises due to professional negligence or mistakes. To cover these types of damages, check out professional liability insurance (E&O).
Property damage: It uniquely covers property damage to a third party, to get coverage for your property, commercial property insurance is for you.
Employee injuries: Just like the property damage exclusion, general liability in Illinois only covers injuries done to non-employees. To protect your own employees, we offer worker’s compensation.
Employment conflicts: When facing a conflict with an employee, for example, if they press charges against the employer for discrimination, harassment, or unfair termination, among other issues, you must get EPLI insurance.
Worker’s Compensation Insurance for Roofing Contractos in Illinois
Illinois requires all employers with at least one employee, including roofing contractors, to carry workers’ compensation insurance. This insurance covers the cost of medical treatment, lost wages, and disability benefits for employees who are injured or become ill while performing their job duties.
Roofing contractors in Illinois must follow the same regulations and provide workers’ compensation insurance to all employees, including those who work full-time, part-time, or on a seasonal basis. Failure to obtain and maintain workers’ compensation insurance can result in legal penalties and expensive fines and, in some cases, put the business at risk of being shut down. It is important for roofing contractors to prioritize the safety and well-being of their employees by providing them with the necessary protection in the event of a work-related injury or illness.
Commercial Auto Insurance for Roofing Contractos in Illinois
If you use your vehicle for business-related purposes such as sales, service, delivery or errands, it’s key to have commercial insurance. At Contractors Liability, we offer reliable commercial auto insurance that can give you peace of mind knowing that your business needs, drivers and vehicles in Illinois are covered. Whether you use pickup trucks, box trucks, trailers, or cars, we can provide comprehensive coverage and support in the event of an accident or claim, while helping you save money.
Inland Marine Insurance for Roofing Contractos in Illinois
Illinois Commercial Inland Marine policy provides protection for your transported goods beyond theft. This policy covers all of the supplies, machinery, and products your company moves, no matter where they are or how long they stay. This policy provides protection against various mishaps such as automobile accidents, burglary, vandalism, and total loss.
The policy typically offers all-risk coverage, which means it protects your business against a wide range of risks rather than specific risks. This protects your small business from unexpected events and provides peace of mind. With the Illinois commercial inland marine policy, your goods are protected, allowing you to focus on other important aspects of your business.
Builder’s Risk Insurance for Roofing Contractos in Illinois
Builder’s Risk Insurance is a valuable coverage option for roofing contractors undertaking construction or renovation projects. This type of insurance provides protection against the loss of a construction project due to damages caused during the construction process in Illinois. Its main purpose is to protect homeowners from financial loss due property damage claims to construction-related accidents. However, it’s important to note that Illinois builder’s risk insurance is not a standardized policy, so the level of protection offered may vary from one insurance company to another.
Builder’s risk insurance can cover a wide range of potential risks in Illinois, such as theft, fire, or natural disasters. In addition, builder’s risk insurance is often a legal or contractual obligation, as it helps ensure that all parties involved are financially protected in the event of an unforeseen circumstance. By investing in builder’s risk insurance, contractors and property owners in Illinois can be certain that they’re covered against the risks associated with roofing projects. In addition, builder’s risk insurance is often a legal or contractual obligation, as it helps ensure that all parties involved are financially protected in the event of an unforeseen circumstance.
Commercial Umbrella Insurance for Roofing Contractos in Illinois
Commercial umbrella insurance is a form of liability insurance that goes beyond the limits of a company’s primary liability policies, such as commercial auto or general liability. For roofers in Illinois, it’s important to consider commercial umbrella insurance because of the potential dangers involved in roofing work, such as bodily injury to third parties or property damage.
In order to obtain a contractor’s license in Illinois, roofers must carry liability insurance. When purchasing commercial umbrella insurance, roofers must consider the amount of coverage they need based on the size and scope of their work. The price of the per equipment insurance policy depends on factors such as the level of risk associated with the work and the amount of coverage required. It’s important to remember that commercial umbrella insurance is not a substitute for primary liability insurance; rather, it supplements primary contractor insurance coverage and provides additional protection in the event of a significant loss.
ACORD Certificates for Roofing Contractos in Illinois
An ACORD certificate, also known as a certificate of insurance, is a document that proves your liability coverage. Having this proof of insurance demonstrates to your clients and/or partners that your Illinois roofing business is properly insured.
It’s important to keep this certificate up to date. You can contact your insurance company or broker to provide it to you whenever you need it. It will contain information about the type of policy, its limits, and the effective and expiration dates.
Your Illinois Roofers Insurance Questions Answered
Get answers to your most common questions from Contractors Liability
In Illinois, you need $1 million in coverage per occurrence plus $2 million aggregate. It works like this almost all the time as 99% of the general liability policies we sell have these values.
For commercial auto in Illinois, you need $1 million CSL (Combined Single Limit) for physical injuries and property damage to the other party together. To have proper coverage for your business vehicle, you need comprehensive collision coverage to cover any collision and everything else.
You need $500,000/$500,000/$500,000 worker’s compensation coverage in Illinois to cover your workers in a claim where the owner is liable for up to $500,000. In most cases, the owner is not liable and the coverage of this policy is unlimited.
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