What types of insurance must a licensed Illinois private alarm contractor maintain?

• A. General liability insurance and professional liability insurance
• B. Property insurance and cyber liability
• C. General liability insurance and workers' compensation insurance
• D. Inland marine insurance and directors and officers liability

Answer: (C)

Protection against two main risk areas is what this asks about: you need coverage that guards against third‑party claims arising from your work, and you need coverage for injuries to people who work for you. General liability insurance covers claims from customers or the public for bodily injury or property damage that can happen during installation or service—like someone getting injured on the job site or property being damaged during a alarm system upgrade. Workers’ compensation insurance, on the other hand, provides medical benefits and wage replacement if an employee is injured on the job, and it helps shield the business from certain lawsuits that can stem from workplace injuries. In Illinois, licensed private alarm contractors are typically required to maintain both of these coverages to protect clients and workers and to meet regulatory requirements. Other types of insurance, such as property, cyber liability, inland marine, or directors and officers coverage, address different risks and aren’t the standard pairing mandated for this license. So the best fit is general liability together with workers’ compensation.