Illinois law requires nearly every employer — including many with a single part-time employee — to carry workers compensation. Penalties for going without it are severe, and injuries happen in offices as well as on job sites.
We quote your payroll and class codes across multiple carriers, including markets for high-mod and hard-to-place classes, and help you manage experience modification, audits and return-to-work programs so premiums stay under control.
What workers compensation can include
- Medical expensesDoctor visits, hospital care, physical therapy and prescriptions for work-related injury or illness.
- Lost wage replacementTemporary total, temporary partial and permanent disability benefits set by Illinois statute.
- Employer’s liabilityDefense and damages if an employee sues outside the workers compensation system.
- Rehabilitation & retrainingVocational rehabilitation when an injured worker cannot return to the same role.
- Death benefitsSupport for dependents after a fatal workplace injury.
- Pay-as-you-go optionsPremiums billed on actual payroll each period to avoid large audit adjustments.
Who this is for
- Any Illinois employer with one or more employees
- Contractors who must show coverage to general contractors
- Restaurants, retail, healthcare and staffing companies
- Businesses with a high experience mod looking for a better market
- New employers hiring their first staff
Common questions
Do I need workers compensation if I only have one employee?
In Illinois, generally yes. Sole proprietors and certain corporate officers can elect out, but employees must be covered.
How are premiums calculated?
Payroll multiplied by a rate for each class code, adjusted by your experience modification factor. Accurate class codes and payroll estimates matter — we review both with you.
What is an experience mod?
A factor that compares your claim history with similar businesses. Below 1.00 lowers your premium; above 1.00 raises it. We help you understand and improve it.
Can I get coverage with a bad claims history?
Usually. We have access to assigned-risk and specialty markets for difficult accounts.