General liability insurance in Illinois for small businesses
The Foundation Of Protection
Business liability coverage that fits your work
General liability helps when accidents happen, from a customer slip to damage at a client’s site. Securus Insurance Service helps Illinois shops, contractors, and offices set limits that make sense and meet lease or contract requirements. It is a core part of business insurance that many partners expect before work begins.
What GL Can Cover
General liability insurance coverages
Third-party bodily injury pays medical and legal costs if someone is hurt. Third-party property damage helps repair or replace what was damaged. Personal and advertising injury addresses claims like libel or copyright in ads. Defense costs are included so legal bills do not derail your plans.
Limits And Industries
How much coverage do I need
Many small firms start with 1 million per occurrence and 2 million aggregate, with higher options available. Contractors, retailers, and service providers often need proof of insurance quickly, and we issue certificates the same day you bind coverage. If you keep gear or inventory, pair GL with
commercial property for a complete package. For higher limits, we can discuss an umbrella policy.
What GeneraL liability Does Not Cover
When other policies apply
Employee injuries fall under workers compensation insurance, not GL. Professional advice errors are handled by professional liability. Vehicles used for work need commercial auto. Securus Insurance Service will map the right mix so nothing is missed.
Straight Answers For Owners
General liability FAQs for Illinois
Is GL required by law
Not usually by statute, but most leases and contracts require it.
How much does it cost
Pricing depends on your trade, payroll or sales, and claims history. We shop several carriers to find value.
Can home businesses skip GL
Home policies rarely cover business liability. A small GL policy is smart even for a home office.
