Do independent contractors need business insurance in Illinois? 

Independent contractors are not automatically required to carry every type of business insurance. However, clients and general contractors frequently require general liability, professional liability, workers’ compensation, commercial auto, or other coverage before awarding work. The facts of the working relationship matter more than the label used in a contract. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.