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Doctor visits, hospital stays, therapy and prescriptions for work injuries.
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Workers' compensation insurance for Illinois employers
Illinois requires nearly every employer with employees, including part-time workers, to carry workers' comp. It pays medical bills and lost wages when someone is hurt on the job and protects you from most related lawsuits.
What it covers
Lost wages
Partial wage replacement while an employee recovers.
Disability benefits
Temporary and permanent disability payments set by Illinois law.
Death benefits
Support for the family if an injury is fatal.
Employer's liability
Your defense if an employee sues over a workplace injury.
Return-to-work support
Help getting employees back to work safely.
How premiums are set
- Your payroll, split by job classification code
- The injury rates for those classifications
- Your claims history (experience modification)
- Safety programs and carrier credits
Avoid audit surprises
Workers' comp is priced on estimated payroll and reconciled at year end. We help you classify employees correctly and estimate payroll realistically, so the audit doesn't come with a large bill.
Subcontractors without their own coverage can be counted as your employees at audit. Collect their certificates.
Questions we hear often
Do I need workers' comp for one part-time employee?
In Illinois, generally yes. Coverage is required for most employers regardless of how many people they employ.
Are sole proprietors covered?
Owners can often choose to include or exclude themselves. We'll explain the trade-off.
What happens if I don't carry it?
Illinois can impose fines and stop-work orders, and you'd be personally responsible for injury costs.
Get workers' comp quoted
Tell us what you need to cover. An agent will review carriers and call you back, usually the same business day.