Illinois Workers' Compensation Insurance

AmTrust is an industry leader in workers’ compensation for Illinois small businesses. Connect with an AmTrust-appointed agent to get a quote.

Choose AmTrust for Workers' Compensation Coverage in Illinois

Workers' compensation insurance protects your most valuable asset – your workforce. Should an employee suffer job-related injuries or accidents, workers' comp covers the cost of medical expenses, lost wages and retraining costs or compensation for permanent disability.

As the third largest workers’ compensation carrier in the United States, AmTrust can design the specific packages small and mid-sized businesses need to comply and succeed.

Is Workers’ Compensation Mandatory in Illinois?

Workers’ compensation coverage is required in Illinois for virtually every type of business, even if it employs just one part-time employee. Sole proprietors, corporate officers, partners and LLCs may exempt themselves unless they are in hazardous industries like construction. Independent contractors are not eligible for workers’ compensation benefits in Illinois.

Common Workers’ Compensation Claims in Illinois

Thousands of workers’ compensation claims are filed every year in Illinois. A few of the most common claims are due to injuries caused by:

  • Slips, trips and falls
  • Repetitive stress injuries
  • Vehicle accidents
  • Lacerations
  • Contact with an object or equipment

Reduce Workers’ Compensation Claims with Loss Control Services from AmTrust

AmTrust’s Loss Control Department specializes in risk management solutions to help prevent injuries and improve employee safety. We take a proactive approach to reducing workplace injuries by offering robust employee training and consultant services to identify the specific risks each individual business may face. 

From onsite or virtual in-depth risk assessments to our extensive collection of safety and risk management resources, AmTrust Loss Control can help identify common hazards that can lead to costly business losses and connect employers to solutions to help prevent or minimize them.

How Much Does Workers' Compensation in Illinois Cost?

The cost of workers’ compensation for Illinois small businesses depends on several factors. The size and location of the company, the specific industry, coverage limits and the various risks facing the employees all have an impact on the cost of coverage. 

Additionally, businesses with safe workplaces could see an
experience modifier, the connection between their workplace injury loss and workers’ comp costs, that is better than average. Insurance companies use experience modifiers to help determine workers’ compensation premium costs, and companies with lower risk will generally have a lower premium.

To get a quote, connect with an AmTrust-appointed agent today.

Workers’ Compensation Resources for Illinois Small Business Owners

AmTrust is here to help small businesses in Illinois with a variety of workers’ compensation resources to help protect the company and keep employees safe.

More Helpful Links for Illinois Small Business Owners