Contractors Liability Insurance

235 Insurance writes general contractor’s liability insurance that qualifies your entity for a business license with the City of Chicago as a registered general contractor. For Class C, D, and E licenses, our minimum premium is $2,300 per year. Our go-to program from an A+ rated provider includes coverage for bodily injury to subcontractors and direct payroll. We will train you all the risk management procedures to follow to keep your premiums low on an annual basis, and pass audit.

For artisan contractors such as plumbers, HVAC, carpentry, and so on, 235 Insurance writes same-day coverage for most classes of business with minimum premiums for $1MM insurance starting at $100/month. It is very important for subcontractors to carry adequate insurance limits or you will pose financial risk to general contractors who hire you, which may prevent you from winning bids.

Review the City of Chicago General Contractor’s Liability Insurance Requirements


Have recommended 235 Insurance to several clients, all of whom have had rave reviews for their commitment, responsiveness, and knowledge. They always goes above and beyond. Please consider this my highest recommendation. If 235 cannot help you, they will find someone who can.

Thomas J. Nitschke, Esq.

235 Insurance is our preferred referral for customers. Keith is an excellent communicator, highly enthusiastic, and easy to work with. Their knowledge of the industry helps them find the right policy for each individual client and need. I trust Keith and 235 Insurance.

Juan F LopezPresident Network Mortgage, LLC

235 Insurance is my first and only recommendation for commercial insurance coverage. I have seen them handle the needs of professional service firms and brick-and-mortar businesses with equal skill. 235 Insurance has my highest personal recommendation.

Justin WeinrichThe Weinrich Law Firm LLC

What impressed me most about 235 Insurance is that they actually seemed interested in my business. When we met to discuss updating our workers’ compensation, our agent took detailed notes & thereafter gave us multiple quotes within a few days. It was a no-brainer to make the switch from my old insurance company to an agency that actually cares and goes above and beyond for its clients.

Deepak Neduvelil DDS Skyline Smiles LLC

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