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  2. Illinois General Liability Insurance

Illinois General Liability Insurance Policy Information

IL General Liability Insurance

Illinois General Liability Insurance. IL general liability insurance protects your business against property damage, advertising injury claims, personal injury claims, and bodily injury claims. Such claims could jeopardize the success and reputation of your business.

As a business owner or small contractor, you require a form of general liability protection, to shield you from such unexpected situations. A single accident might lead into a lawsuit that is beyond your financial abilities. When that happens, you will be staring at losing your source of livelihood. That is where general liability insurance comes in.

Illinois general liability insurance pays for cost of third-party lawsuits over slip-and-fall injuries, property damage and more. Get a fast and affordable quote in IL.

What Does General Liability Insurance Cover?

Businesses are inherently risky. The good news is that some of the risks can be protected. General business liability insurance helps to safeguard your business against various known and unknown risks. Some of the areas in your business that are covered by Illinois general liability insurance include:

  • Property damage and bodily injury: The property damage and bodily injury helps to protect your business against various business claims as well as claims alleging financial loss as a result of bodily injury or property damage, occurring out of your products or business operations. Slip an fall is covered here.
  • Advertising errors: This protects your IL business from certain claims where others claim that your business has infringed on certain copyrights when advertising your goods, services or products.
  • Reputational harm: The reputational harm protects your business against claims of malicious prosecution, false arrest, slander, libel, wrongful eviction and violation of privacy rights, just to name a few.
  • Damage to rented premises: This helps to protect your company from certain claims that might occur during your business operations. This may be occasioned by lightning, fire or explosion.
  • Medical payments: Illinois general liability insurance will protect your business against medical claims brought forward, when someone gets injured in your business premises and requires medical treatment.
  • Some clients might also need you to agree to a certain level of general liability before you can provide goods or services to them. With IL general liability insurance, such issues are adequately handled.
  • General liability insurance for contractors, cheapest general liability insurance small business, cheap general liability insurance for contractors, commercial general liability insurance definition, general liability insurance cost for contractors, Illinois business insurance requirements, comprehensive general liability insurance and short term general liability insurance.

IL General Liability Insurance Cost

The cost of your Illinois general liability insurance coverage is determined by various factors. They include the business type, location of your business, the total number of employees in your business, as well as the risk level your business is exposed to. For example a roofer working on a roof faces much higher risks than an accountant sitting in an office behind a desk.

In our litigious society, more and more businesses are being sued due to issues like libel, slander, property damage, and bodily injury, just to name a few. Apart from that, businesses can be sued even when they have not done anything wrong. That is why your business requires general liability insurance protection.

IL Small Business Insurance By Industry And/Or Type

Select the Illinois general industry or small business insurance type link below to find more detailed information on coverage, costs, exclusions and more:


Advertising, Marketing and Media

Learn about Illinois media liability insurance - a specialized form of professional liability insurance that provides protection for legal claims brought by third parties.


Agribusiness

Learn about IL agribusiness insurance - a type of commercial insurance protects farmers against loss of, or damage to crops or livestock.


Arts and Recreation

Read up on Illinois arts and recreation commercial insurance.


Auto Sales, Service and Repair

Read about Illinois auto sales, service & repair insurance, which provides protection for damages done to customers vehicle's and other property as well as injuries resulting from the work done.


Aviation

Learn about IL aircraft and aviation liability insurance - a specialized form insurance that provides coverage for hull losses as well as liability for passenger injuries, environmental damage and third-party damage caused by aircraft accidents.


Bonds

Learn about surety and fidelity bonds which are types of insurance that are used to protect against damage or loss in commercial transactions.


Children and Pets

Discover what Illinois commercial insurance policies cover for children and pet related businesses.


Commercial Property

Read up on Illinois commercial property insurance, including how business property insurance protects your company's building's and/or their contents from damage, destruction, theft and vandalism.


Construction Contractors

Learn about Illinois construction contractors insurance, including how much the premium costs and what is covered - and how commercial insurance can help protect your IL construction business from lawsuits.


Contractors and Home Improvement

Learn about Illinois contractor's insurance, including what it covers, how much it costs - and how commercial insurance can help protect your IL business from lawsuits.


Education, Colleges, Universities & Schools

Learn about Illinois commercial insurance for educators that helps protecting your professional reputation and other legal liabilities arising from your educational services.


Financial Institutions

Discover the types of commercial insurance that banks, finance companies and other Illinois financial institutions need to protect their asset management, deposit, lending, investment and other operations.


Food and Drink

Learn about Illinois restaurants, bars, liquor stores commercial insurance coverages. See how food service insurance help protect against accidents, oversights and lawsuits resulting from business operations.


Health and Beauty

Learn about Illinois health and beauty insurance coverages that help protect tattoo artists, salons, spas, estheticians, cosmetologists, barbers, hairdressers, nail salons and more from legal liability.


Information Technology and Internet

Learn about Illinois IT technology insurance policies that help protect IT businesses, consultants & subcontractors from the unique risks that small tech businesses face when they work.


Lodging Places

Find out what types of business insurance that Illinois hotels, motels and other lodging places should have to protect their varied operations.

Local, State And Federal Government

Discover what types of commercial insurance government entities in Illinois need.

Manufacturing

Learn all about Illinois manufacturing insurance. Manufacturers face many unique risks such as product liability and/or product recall exposures due to the nature of their business operations.


Marine, Boat And Watercraft

Discover what types of commercial insurance government entities in Illinois need.

Medical and Dental

Discover Illinois business insurance for medical and dental professionals. Medical malpractice insurance is a type of professional liability that protects health care professionals from liability causing in bodily injury, medical expenses and property damage.


Miscellaneous

Find informative articles on miscellaneous IL businesses including the types of commercial insurance they need, costs and other considerations.


Non-Profit

Find useful articles on business insurance for Illinois non-profit 501(c)(3) organizations, charities and associations.


Professional Services

Get informed about Illinois professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Real Estate

Learn about Illinois real estate insurance coverages including liability and commercial property policies for realtors, mortgage companies and more.


Retail

Read valuable Illinois retail insurance policy information. In a retail business, you need to have the right type of commercial insurance coverage so that your store, employees, and inventory are protected.


Small Business Commercial Auto

Learn about Illinois commercial auto insurance which includes liability and physical damage protection for vehicles that are used for business purposes.


Small Business

Protect your company and employees with IL commercial insurance. Read informative articles on Illinois small business insurance coverages - and how they can help shield your company from legal liabilities.


Sports and Fitness

Learn about Illinois sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Warehouse and Storage

Learn about Illinois warehouse and storage insurance - which protects storage and warehouse facilities and protects their inventory from property damage from fire and weather, vandalism and theft and liability coverage as well.


Wholesale and Distribution

Read informative articles on Illinois wholesale distribution insurance. Distributors and wholesalers face specific risks including fire, flood and weather damage that can destroy products in the distribution center - and every part of the supply chain including late supplier shipments to unpaid invoices - can effect the entire operation.


Illinois Specific Commercial Insurance Articles

Read informative articles on IL commercial insurance including costs and coverages.




Illinois Economic Data & Business Insurance Requirements

For moguls who are thinking about conducting business-related affairs in Illinois, it's important to have an understanding of the state's economic outlook. It's also a wise idea to familiarize yourself with the regulations regarding IL commercial insurance.

Made In Illinois

Here we provide some insight regarding the data that pertains to economy of Illinois. We also provide a brief overview about the types of commercial insurance coverage business owners are required to invest in, or should invest in, even if it isn't mandatory.

Business Economic Trends In The State Of Illinois

According to several reports that compile the economic data for each of the 50 states and compare that information to the national average, Illinois isn't in the best position. While there has been some improvement, the gains have only been slight. Income and employment rates have risen, and the housing market has increases; however, the gains in these areas have been minimal, especially when compared to the gains that other states have experienced.

While the unemployment rate has improved, falling to 4.8 percent in 2017 after it was stuck at a rate of almost 6 percent in 2016 and 2015, it appears that in reality, the IL labor force and employment gains are contradicting. In 2022, tens of thousands of people fell out of the state's labor force.

Looking to the future, it is predicted that while the employment rate in Illinois will grow, the rate at which it will grow will be much lower than the national average. Currently the projected annual job growth of the state is .5 percent. Following are some of the largest industries in IL.

  • Agriculture
  • Exports
  • Manufacturing
  • Mining
  • Service Industries
Illinois Commercial Insurance Regulations

The Illinois Department of Insurance regulates insurance in IL. Businesses are required to carry workers compensation insurance. Workers comp is mandatory for any business that employs either an hourly or a salaried workforce, even if that workforce is just one person. Organizations are also required to carry IL commercial auto insurance if they use vehicles for any business-related reasons, such as deliveries, transport, or client visits.

General liability insurance is not required, nor is commercial property insurance; however, it is a wise idea for companies to invest in this type of coverage, as it will safeguard from lawsuits or losses that their properties could sustain.

Request a free Illinois General Liability Insurance quote in Addison, Algonquin, Alton, Arlington Heights, Aurora, Bartlett, Batavia, Belleville, Belvidere, Berwyn, Bloomingdale, Bloomington, Blue Island, Bolingbrook, Buffalo Grove, Burbank, Calumet, Carbondale, Carol Stream, Carpentersville, Champaign, Charleston, Chicago, Chicago Heights, Cicero town, Collinsville, Crest Hill, Crystal Lake, Danville, Darien, DeKalb, Decatur, Des Plaines, Dolton, Downers Grove, East Moline, East Peoria, East St. Louis, Edwardsville, Elgin, Elk Grove, Elmhurst, Elmwood Park, Evanston, Freeport, Galesburg, Geneva, Glen Ellyn, Glendale Heights, Glenview, Granite, Grayslake, Gurnee, Hanover Park, Harvey, Highland Park, Hoffman Estates, Homer Glen, Huntley, Joliet, Kankakee, Lake in the Hills, Lansing, Libertyville, Lisle, Lockport, Lombard, Loves Park, Machesney Park, Maywood, McHenry, Melrose Park, Moline, Morton Grove, Mount Prospect, Mundelein, Naperville, New Lenox, Niles, Normal town, North Chicago, Northbrook, O'Fallon, Oak Forest, Oak Lawn, Oak Park, Orland Park, Oswego, Palatine, Park Forest, Park Ridge, Pekin, Peoria, Plainfield, Quincy, Rock Island, Rockford, Rolling Meadows, Romeoville, Roselle, Round Lake Beach, Schaumburg, Skokie, South Elgin, South Holland, Springfield, St. Charles, Streamwood, Tinley Park, Urbana, Vernon Hills, Villa Park, Waukegan, West Chicago, Westmont, Wheaton, Wheeling, Wilmette, Woodridge, Woodstock, Zion and all other IL cities & Illinois counties near me in The Prairie State.

Also find IL local small businesses by General Liability Class Code and learn about Illinois small business insurance requirements for general liability, business property, commercial auto & workers compensation including IL business insurance costs. Call us (312) 300-7929.

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Disclaimer
Disclaimer
The commercial insurance content available on this page is for informational purposes only and not for the purpose of providing legal or financial advice.

General Liability Insure does not warrant or make any representations regarding the usefulness of or the expected results of the material contained on this website. You should contact your attorney, accountant and/or financial adviser to obtain advice with respect to any particular commercial insurance question, claim or issue.
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