Business insurance • Illinois roofing contractors
Illinois Roofing Contractor Insurance: State License Minimums and Bonds
Illinois licenses roofing contractors at the state level through the IDFPR, with a limited (residential) or unlimited license. Every licensee must carry at least $500,000 per occurrence for personal injury and $250,000 per occurrence for property damage, post a continuous bond, and cover roofing employees with workers’ compensation.
This guide covers Illinois roofing license insurance minimums, bonds, workers’ comp, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Illinois, and a licensed agent can compare quotes for your roofing business.
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Illinois roofing license requirements
| Requirement | Limited license | Unlimited license |
|---|---|---|
| Scope | Residential, up to 8 units | Residential, commercial, and industrial |
| Personal injury liability | $500,000 per occurrence | $500,000 per occurrence |
| Property damage liability | $250,000 per occurrence | $250,000 per occurrence |
| Continuous bond | $10,000 | $25,000 |
Insurance minimums: Ill. Admin. Code 68 § 1460.20. The policy cannot be canceled without 30 days’ written notice to the state. Bond amounts: Illinois roofing license study guide (225 ILCS 335).
Illinois workers’ compensation
Applicants with employees must show workers’ compensation covering their roofing employees, or approval as a self-insurer (Illinois roofing license study guide (225 ILCS 335)).
Coverage most Illinois roofers carry
- General liability: third-party injuries and property damage, such as a dropped bundle that damages a car or a leak that ruins a homeowner’s ceiling.
- Workers’ compensation: medical bills and lost wages if a crew member is hurt, including falls.
- Commercial auto: trucks and trailers used to haul crews, materials, and debris.
- Tools and equipment (inland marine): ladders, nail guns, and compressors on job sites or in transit.
- Commercial umbrella: extra liability limits on top of general liability and auto, often required on commercial jobs.
What Illinois roofers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $317 | $3,808 |
| Workers’ compensation | $175 | $2,101 |
| Commercial auto | $268 | $3,212 |
| Business owner’s policy | $125 | $1,503 |
| Tools and equipment | $42 | $505 |
| Commercial umbrella | $93 | $1,111 |
Median costs for roofing contractors who quoted through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, roof types, height, claims history, and location.
Illinois roofing insurance FAQs
How much liability insurance does an Illinois roofer need?
At least $500,000 per occurrence for personal injury and $250,000 per occurrence for property damage.
What bond does an Illinois roofing license require?
$10,000 for a limited license and $25,000 for an unlimited license.
Do Illinois roofers need workers’ comp?
Yes, if they have employees, unless approved as a self-insurer.
Related guides
Important information
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Independent agency. Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16944666. Licensed states: AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, and WA. Which insurance companies we can quote depends on our current appointments, the product, and your state. Mentioning a company on this page does not mean we represent it.
Cost figures. Published averages and ranges are cited from the sources named, as of the dates shown. They are not quotes and may not reflect your price, which depends on the insurer, the surety, your credit, the bond type, and underwriting.
Availability. Coverage, prices, discounts, and eligibility vary by insurer, state, and applicant, and are subject to underwriting. The issued policy controls.
Your next step
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