Business insurance • Illinois plumbing contractors
Illinois Plumbing Contractor Insurance: Registration, $20,000 Bond, and Insurance Minimums
Illinois requires plumbing contractors to register with the state and file a $20,000 bond or letter of credit. Registration also requires general liability of $100,000 per occurrence and $300,000 aggregate for bodily injury, $50,000 of property damage (or $300,000 combined), and workers’ compensation with at least $500,000 of employer’s liability.
This guide covers Illinois plumbing contractor registration, insurance minimums, coverage, and typical costs. Blake Insurance Group is an independent agency licensed in Illinois, and a licensed agent can compare quotes for your plumbing business.
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Illinois plumbing contractor registration
| Requirement | Minimum |
|---|---|
| Indemnification bond | $20,000, or a letter of credit for the same amount |
| General liability (bodily injury) | $100,000 per occurrence and $300,000 aggregate |
| Property damage | $50,000, or $300,000 combined single limit |
| Workers’ compensation | $500,000 employer’s liability |
| Workers | All plumbing work done by licensed or apprentice plumbers |
Source: Illinois Plumbing License Law, 225 ILCS 320/13.1. Coverage must stay in force for the registration to remain valid. Chicago licenses plumbing contractors separately.
Coverage most Illinois plumbers carry
- General liability: third-party injuries and property damage, such as a failed fitting that floods a customer’s home.
- Business owner’s policy: general liability bundled with property coverage for your shop and stock, often at a lower combined price.
- Workers’ compensation: medical bills and lost wages if an employee is hurt on the job.
- Commercial auto: service vans and trucks that carry crews, parts, and equipment.
- Tools and equipment (inland marine): pipe threaders, drain machines, and cameras on job sites or in transit.
- Commercial umbrella: extra limits on top of general liability and auto, often required on commercial jobs.
What Illinois plumbers pay
| Policy | Monthly | Annual |
|---|---|---|
| General liability | $147 | $1,768 |
| Business owner’s policy | $213 | $2,559 |
| Workers’ compensation | $179 | $2,150 |
| Commercial auto | $285 | $3,415 |
| Tools and equipment | $42 | $505 |
| Professional liability | $67 | $808 |
| Commercial umbrella | $93 | $1,111 |
Costs reported by Insureon for plumbing businesses that bought policies through its site, mostly with fewer than five employees. Your price depends on payroll, the work you do, claims history, and location.
Illinois plumbing insurance FAQs
What bond does an Illinois plumbing contractor need?
A $20,000 indemnification bond or a letter of credit for the same amount.
How much liability insurance does an Illinois plumbing contractor need?
$100,000 per occurrence and $300,000 aggregate for bodily injury, plus $50,000 property damage or a $300,000 combined single limit.
Do Illinois plumbing contractors need workers’ comp?
Registration requires workers’ compensation with at least $500,000 of employer’s liability.
Related guides
- Plumbing contractor insurance
- Illinois roofing contractor insurance
- Illinois surety bonds
- Illinois contractors insurance
- General liability insurance
- Workers’ compensation insurance
- Commercial auto insurance
- Contractor insurance
- Illinois electrical contractor insurance
- Illinois HVAC contractor insurance
Important information
Compensation. The link in the partner quote box near the top of this page is sponsored, and Blake Insurance Group may be paid if you make a purchase. Sponsored placement does not affect the other information on this page.
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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