Workers' compensation
Illinois requires almost every business with employees to carry workers' compensation. It pays medical bills and lost wages for work injuries and protects the business from most injury lawsuits.
What it covers
- Medical treatment for work-related injuries and illnesses
- Partial wage replacement during recovery
- Rehabilitation and retraining
- Death benefits
- Employer's liability
Common add-ons
- Pay-as-you-go billing tied to payroll
- Coverage for owners and officers who elect in
- Multi-state endorsements
Who it's for
Any Illinois business with employees, including part-time and seasonal staff, plus contractors whose GC requires proof of coverage.
Common questions
Do I need it for one part-time employee?
In most cases, yes. Illinois requires coverage for nearly all employees regardless of hours, and the exceptions are narrow. Penalties for going without are severe.
I only use 1099 subcontractors. Am I exempt?
Not necessarily. If a subcontractor is uninsured and injured, the business that hired them may be held responsible. Collect certificates from every sub, and ask us about covering the gap.
How is the premium calculated?
Payroll times a rate for each job classification, adjusted by your experience modifier. Accurate classifications save real money at audit.
Related coverage
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