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Purchasing Workers Comp Insurance in Illinois

Illinois State Coverage Requirements

    Illinois requires that all employers with one or more, full-time or part-time, employees to carry workers compensation insurance.

    Sole-Proprietors, Partners, and LLC Members are excluded from coverage and are not required to cover themselves for workers compensation. They may elect to be included for coverage on a policy.

    Corporate Officers are automatically included in coverage, but they may elect to be exempt on the policy.

    Owners of high risk companies, such as contractors and truckers, are automatically included on all workers compensation polices regardless of entity type, but may elect to opt out of coverage.

2020 Payroll Requirements for Owners in IL

    Sole-Proprietors, Partners and LLC Members who include themselves on workers compensation coverage must use a minimum payroll amount of $57,700 for rating purposes.

    Officers who are not excluded from coverage must utilize a minimum payroll of $57,200 and a maximum payroll of $228,800 for the purpose of rating workers comp premium.

Workers' Comp Insurance Varies by State- Know the Law

Every state has their own rules for how employees must be covered and how they must be classified for rating purposes. A lot of states use state specific class codes and have different requirements for who is obligated to carry workers' compensation insurance coverage.

If you have employees that travel out of state for work, or they work in multiple states throughout the year, you may need to purchase insurance for all the states where your workers are located and working. In most cases, you can add multiple states to one policy.

Workers' Compensation Insurance in Illinois can be purchased from private insurance companies authorized by the state to provide coverage. The Assigned Risk Pool, or State fund coverage, is available for employers who are unable to find coverage from a private company. can help you navigate your best options.

Policy premium is based on numerous factors including: class codes assigned to your business and employees, estimated payroll, covered states, prior policies, owner experience and claims.

Enjoy the benefits of our Pay As You Go Workers' Comp Options in Illinois.

$O Deposit or Minimum Down

We've developed Pay As You Go worker compensation programs that reduce or eliminate premium deposits and allow Illinois employers to report and pay premium based on actual payroll wages. Reduce your audit risk.

Lower Monthly Payments

We've negotiated special payment terms with many of our insurance partners to offer more flexible options like equal installments plans and monthly reporting programs to help improve cash flow for our business owners.

Real Insurance Agents

At Workers Compensation, we know how to get the best price on your next workers compensation quote. We're a real agency that specializes in helping business owners buy the most affordable coverage for their companies.

Quote Illinois Workers Compensation With Us

Exclusive Illinois Work Comp Programs

We're always working with our insurance carriers to develop programs designed to make it more efficient and affordable to get the right coverage at the best possible price. Our workers comp specialization and annual premium volumes help save you more money for coverage.

Need Help With Illinois Class Codes?

Insurance rates vary significantly between NCCI classification codes. Let our Illinois Workers Compensation Specialists help you determine your correct workers compensation class codes before your buy a policy. We'll help make sure your business is properly covered.

Faster Workers Comp Quotes

We make the process of getting workers compensation quotes fast and easy. We know your time is valuable. That's why we work harder to streamline the quote process, compare your rates and coverages, and present your best options as quickly as possible. We often have your insurance quotes ready in less than 24 hours.

Shop Over 35 Insurance Carriers

We're a National Agency, and we have tons of carriers offering workers comp in Illinois. We have access to over 35 insurance companies with a diverse appetite and competitive rates. Our markets know we expect the lowest rates, bigger discounts, and more policy credits when we request a quote.


Did you know that the cost of a workers comp policy in Illinois can vary significantly between insurance company, underwriter, and insurance agency?
Find the best deal on workers compensation insurance.
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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