Workers’ compensation insurance in Illinois for your team
Care For Employees, Stability For You
Workmans comp policy Illinois for small business
Workers’ compensation pays medical bills and part of lost wages if an employee is hurt on the job. In return, most injury lawsuits are avoided, which protects your business. Securus Insurance Service guides new employers across Illinois so coverage starts the day payroll begins.
What Workers’ Comp Covers
Employee injury coverage explained
Medical treatment from clinic visits to surgery. Wage replacement while the worker is off the job. Benefits for permanent impairment. Death benefits for dependents in tragic cases. Employers liability is included to help with certain lawsuits that fall outside no-fault rules.
Who Needs It And How Pricing Works
Workers comp requirements in Illinois
Most Illinois employers need a policy once they have even one employee. Premiums are based on payroll and job class. We make sure classifications are correct, explore pay-as-you-go options, and share simple safety steps that can help over time. Workers’ comp complements
general liability by covering employees while GL focuses on customers and the public.
Support Beyond The Policy
Local help when claims happen
If someone is hurt, we help you report the claim, coordinate with the carrier, and keep communication clear. Annual reviews adjust payroll and limits as you grow. For full protection, we can round out your plan with business insurance and property coverage so contracts and landlords are satisfied.
Questions Owners Ask
Workers compensation FAQs for Illinois
Do contractors count as employees
If they work like employees or lack their own coverage, you may still be responsible. We will review your setup.
Is it needed for family help
Family members on payroll generally count. The safest path is to carry a policy.
How is cost calculated
By payroll and class codes with adjustments for claims history. We help manage audits and keep classifications accurate.
