Business insurance • Illinois electrical contractors
Illinois Electrical Contractor Insurance: Local Licenses and Coverage
Illinois does not issue a statewide electrician license, so cities and counties license electricians and contractors, and a local license is valid only where it was issued. Most municipalities require general liability at a set minimum, and some require a surety bond. In Chicago, an electrical contractor must be owned by or employ a licensed Supervising Electrician.
This guide covers Illinois electrical licensing, Chicago rules, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Illinois, and a licensed agent can compare quotes for your electrical business.
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Illinois electrical licensing
- Illinois has no statewide electrician license. Cities and counties issue licenses with their own requirements, and each license is valid only in that jurisdiction (Jobber (Illinois electrician license guide)).
- Most municipalities require general liability at a minimum amount, some require a surety bond, and workers’ compensation is needed once you have employees.
- In Chicago, an electrical contractor must be owned by or employ a licensed Supervising Electrician, who needs two years of experience and must pass the Chicago Electrical Code exam (City of Chicago Supervising Electrician license).
Coverage most Illinois electricians carry
- General liability: third-party injuries and property damage, such as a wiring fault that starts a fire in a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop, wire, and stock.
- Workers’ compensation: medical bills and lost wages if an employee is hurt, including shocks and falls.
- Commercial auto: service vans and bucket trucks that carry crews and equipment.
- Tools and equipment (inland marine): meters, benders, lifts, and power tools on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Illinois electricians pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $61 | $732 |
| Business owner’s policy | $100 | $1,198 |
| Workers’ compensation | $140 | $1,679 |
| Commercial auto | $275 | $3,304 |
| Tools and equipment | $42 | $503 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $74 | $886 |
Median costs for electricians who got quotes through Insureon, mostly businesses with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Illinois electrical insurance FAQs
Does Illinois have a state electrician license?
No. Cities and counties license electricians locally, and each license is valid only where it was issued.
How much insurance do Illinois electrical contractors need?
It depends on the municipality. Most set a general liability minimum, and some require a surety bond.
What does Chicago require for electrical contractors?
A Chicago electrical contractor must be owned by or employ a licensed Supervising Electrician.
Related guides
- Electrical contractor insurance
- Illinois plumbing contractor insurance
- Illinois surety bonds
- Chicago general liability insurance
- Illinois contractors insurance
- General liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
- Contractor insurance
- Illinois HVAC contractor insurance
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, your state, your payroll, the work you do, and your claims history.
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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