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State files updated Oct 30, 2026
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Illinois contractor license bondInsurance and workers' comp

$20,000 surety/indemnification bond or letter of credit naming IDPH as obligee.1 Certificate of insurance naming IDPH as holder: general liability of at least $100,000 per occurrence and $300,000 aggregate for bodily injury, and property damage of at least $50,000, or a $300,000 combined single limit.1

Bond and insurance by trade in Illinois

TradeBondInsuranceWorkers' comp
Plumbing$20,000 surety/indemnification bond or letter of credit naming IDPH as obligee.1Certificate of insurance naming IDPH as holder: general liability of at least $100,000 per occurrence and $300,000 aggregate for bodily injury, and property damage of at least $50,000, or a $300,000 combined single limit.1Workers' compensation insurance with at least $500,000 employer's liability if the contractor has any employee.1
RoofingContinuous surety bond: $10,000 for a Limited license, $25,000 for an Unlimited license (225 ILCS 335/3(2)(d); 1460.30).2Public liability and property damage: $250,000 per occurrence property damage and $500,000 per occurrence bodily injury/personal injury, 30 days cancellation notice to IDFPR.3Workers' compensation for roofing required (or approved self-insurer), plus an IDES unemployment insurance account in good standing.2

How much is the contractor bond in Illinois?

$20,000 surety/indemnification bond or letter of credit naming IDPH as obligee; term runs through September 30 each year (Part 894).1

What general liability insurance does Illinois require?

Certificate of insurance naming IDPH as holder: general liability of at least $100,000 per occurrence and $300,000 aggregate for bodily injury, and property damage of at least $50,000, or a $300,000 combined single limit. Certificates must stay in force at all times; no binders or continuous certificates.1

Can an Illinois contractor be exempt from workers' comp?

Workers' compensation insurance with at least $500,000 employer's liability if the contractor has any employee; contractors with no employees file an Affidavit of No Employees and opt-out form.1

What is a certificate of insurance?

It's the one-page summary (usually an ACORD 25 form) a contractor's agent issues to show the policies, limits and dates in force. How to read and check one

Sources

  1. Illinois Department of Public Health: bond (dph.illinois.gov, 2026-10-27)
  2. IDFPR Division of Professional Regulation: roofing bond (ilga.gov)
  3. IDFPR Division of Professional Regulation: roofing insurance (ilga.gov)