Workers Compensation Insurance
Protect your employees and your business. Workers comp covers medical expenses and lost wages when employees are injured on the job.
Is Workers Comp Required?
In Illinois, workers compensation insurance is required for nearly all employers, even those with just one employee.
Penalties for non-compliance can include fines up to $500/day and criminal charges.
What Workers Comp Covers
Workers compensation provides comprehensive protection for work-related injuries and illnesses.
Medical Expenses
Covers doctor visits, hospital stays, surgery, medications, and rehabilitation for work-related injuries.
Lost Wages
Replaces a portion of lost income while an employee recovers from a work-related injury or illness.
Disability Benefits
Provides ongoing benefits for employees who suffer permanent partial or total disability.
Death Benefits
Pays benefits to the family of an employee who dies from a work-related injury or illness.
Why You Need Workers Comp
- Protects employees with medical care and wage replacement
- Shields your business from lawsuits by injured workers
- Required by law in most states
- Covers legal defense costs if you're sued
- No-fault coverage - pays regardless of who caused the injury
- Covers occupational diseases and illnesses
How Premiums Are Calculated
Classification Codes
Each job type has a class code based on risk level. Higher risk = higher rates.
Payroll
Premiums are based on your total payroll. More employees = higher premium.
Experience Modifier
Your claims history affects your rate. Fewer claims = lower premiums.
State Rates
Each state sets its own workers comp rates and regulations.
Industries We Serve
We provide workers comp for businesses of all types.
Pay-As-You-Go Workers Comp
Traditional workers comp requires a large upfront deposit based on estimated payroll. With pay-as-you-go, you pay based on actual payroll each pay period.
- No large upfront deposit
- Payments based on actual payroll
- Better cash flow management
- No year-end audit surprises
Save on Workers Comp
We work with multiple carriers to find competitive rates for your business. Ask about discounts for:
- • Safety programs
- • Drug-free workplace
- • Experience credits
- • Pay-as-you-go billing
Get Your Workers Comp Quote
Protect your employees and stay compliant with state law.