Illinois requires nearly every employer with employees to carry workers' compensation, including for part-time and seasonal workers. Classify every job accurately, report payroll honestly, collect certificates from every subcontractor, and post the required notice. The premium audit at year end checks all four.
Pay-as-you-go billing ties the premium to actual payroll, which smooths cash flow for seasonal businesses.
This article is general information, not advice about your policy. Coverage depends on the policy and carrier. Questions? Call 708-303-6666.