Protect Your Roofing Business with Commercial Auto Insurance in Illinois
Part of our guide to roofers insurance in Illinois.
Commercial Auto Insurance for roofers in Illinois can cost between $110-$340 per month, depending on factors like revenue, payroll, and coverage limits. This coverage is essential for roofers who use vehicles for business purposes, as it provides liability, collision, and physical damage protection. In Illinois, severe winters and plaintiff-friendly courts increase the risk of costly accidents, making Commercial Auto Insurance a necessary investment. Roofers in Illinois typically carry General Liability and Workers' Compensation, but Commercial Auto is a separate, crucial policy that covers business-owned or -used vehicles.
Commercial Auto cost for roofers in Illinois
Illustrative monthly commercial auto estimate for a small roofer operation in Illinois. Actual pricing depends on revenue, payroll, coverage limits, claims history, and carrier. Get a personalized quote to see your real price.
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What Commercial Auto Covers for Roofers in Illinois
Commercial Auto Insurance for roofers in Illinois pays for liability, collision, and physical damage to business-owned or -used vehicles. This coverage handles claims like accidents on the job site or while transporting equipment, as well as damage from severe weather conditions like ice storms or flooding. For example, if a roofer's company truck is involved in an accident on the way to a job site in Chicago, Commercial Auto Insurance would cover the damages. However, it does not cover workers' compensation or general liability claims, which are handled by separate policies. Another example is if a roofer's vehicle is damaged in a flood in Aurora, Commercial Auto Insurance would cover the repairs.
Do Roofers in Illinois Need Commercial Auto?
While Commercial Auto Insurance is not legally required for roofers in Illinois, it is often contractually required by general contractors and commercial property owners. These clients typically demand that roofing subcontractors carry Commercial Auto Insurance with limits matching the project scope, in addition to General Liability and Workers' Compensation. Without Commercial Auto Insurance, a roofer may be unable to secure contracts or may be held personally liable for accidents involving business-owned or -used vehicles. In practice, this means that roofers in Illinois should strongly consider carrying Commercial Auto Insurance to protect their business and assets.
A Real Commercial Auto Claim a Roofer Could Face
Joliet Roofing Company was working on a project in Naperville when one of their company trucks was involved in an accident on the road, causing $10,000 in damages and injuring another driver. Commercial Auto Insurance covered the damages and medical expenses, saving the company from a significant financial loss. The accident occurred on a snowy road, highlighting the increased risk of accidents during Illinois' severe winters. The company's Commercial Auto Insurance policy paid out $15,000, covering the damages and medical expenses, and the owner avoided a costly lawsuit.
What Commercial Auto Costs for Roofers in Illinois
The cost of Commercial Auto Insurance for roofers in Illinois varies, but estimates range from $110-$340 per month. Factors that affect the price include revenue, payroll, coverage limits, deductible, and claims history. For example, a roofer with a high revenue and large payroll may pay more for Commercial Auto Insurance than a smaller company. Additionally, the risk of accidents and damage in Illinois' severe winters and flooding-prone areas can increase the cost of Commercial Auto Insurance. To lower their premium, roofers can consider increasing their deductible, improving their driving record, or shopping around for quotes.
How to Get Commercial Auto in Illinois
To get Commercial Auto Insurance in Illinois, roofers should gather information about their business, including revenue, payroll, and vehicle information. They should also consider the coverage limits and deductible that best suit their needs. When comparing quotes, roofers should look for policies that include coverage for business-owned or -used vehicles, as well as liability, collision, and physical damage protection. In Chicago, for example, roofers can work with a licensed agent to find the best Commercial Auto Insurance policy for their business. For the cost of a daily coffee, you can protect your roofing business from costly vehicle accidents and damage, see your rate today
Frequently asked questions
Will my Commercial Auto premium jump after one claim?＋
Yes. Premiums may increase after a claim, depending on the severity and frequency of accidents. However, some insurance companies offer accident forgiveness or other discounts that can help mitigate the increase. Additionally, maintaining a good driving record and improving vehicle safety features can also help reduce premium increases after a claim.
Can I get a COI same-day for a client?＋
Yes. Many insurance companies offer same-day certificates of insurance (COI) for Commercial Auto Insurance. This can be especially helpful for roofers who need to provide proof of insurance to clients or contractors quickly. Some insurance companies may require additional documentation or information to expedite the COI process.
Does a sole proprietor need Commercial Auto?＋
Yes. Even sole proprietors who use their personal vehicle for business purposes may need Commercial Auto Insurance. This is because personal auto insurance policies often exclude business use, leaving the sole proprietor vulnerable to financial losses in the event of an accident. Commercial Auto Insurance can provide the necessary protection for sole proprietors who use their vehicle for business.
What's not covered by Commercial Auto Insurance?＋
Commercial Auto Insurance does not cover workers' compensation or general liability claims. It also may not cover certain types of vehicles, such as motorcycles or recreational vehicles, unless specifically included in the policy. Additionally, Commercial Auto Insurance may not cover accidents that occur while a vehicle is being used for personal purposes, rather than business purposes.
Can I cancel my Commercial Auto policy at any time?＋
Yes. Commercial Auto Insurance policies can typically be cancelled at any time, but there may be fees or penalties associated with early cancellation. Additionally, roofers should ensure they have alternative coverage in place before cancelling their Commercial Auto policy to avoid gaps in protection.
Do I need Commercial Auto if I only have one vehicle?＋
Yes. Even if you only have one vehicle, Commercial Auto Insurance can provide essential protection for your business. This is because accidents can happen to anyone, regardless of the number of vehicles they own. Commercial Auto Insurance can help cover the costs of damages, medical expenses, and other related costs, even if you only have one vehicle.
Can I get a discount on my Commercial Auto premium?＋
Yes. Many insurance companies offer discounts on Commercial Auto Insurance premiums for roofers who maintain a good driving record, complete safety training programs, or install safety features in their vehicles. Additionally, some insurance companies may offer discounts for businesses that have a low claims history or have been in operation for a certain number of years.
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Other coverages roofers in Illinois should know
This article is for general educational purposes and is not insurance or legal advice. Coverage requirements and pricing in Illinois change over time and vary by business. Verify current rules with the Illinois Department of Insurance and a licensed agent before purchasing a policy.