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Technology Business Insurance in Illinois

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What are the insurance requirements for technology businesses in Illinois?

State laws can affect which policies you need for your technology business. These policies are required for Illinois businesses.
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Workers' compensation insurance

Illinois state law requires technology businesses with employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in Illinois must be covered by commercial auto insurance. Illinois’ commercial auto insurance requirements are:

  • Bodily injury liability: $25,000 per person / $50,000 per accident
  • Property damage liability: $20,000 per accident
  • Uninsured motorist coverage: $25,000 per person / $50,000 per accident

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small Illinois tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees

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We specialize in business insurance for Illinois IT and technology professionals

Our agents are experts in insurance for Illinois technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance agents, agencies, and brokers are licensed by the Illinois Department of Insurance.

TechInsurance is licensed in Illinois as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 100289220). To verify our licensure in Illinois, use the National Association of Insurance Commissioners Lookup Search. Select Illinois, Licensee, and Business Entity, then enter our NPN or license number in the appropriate field.

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