1.   In IL, work comp is required for 1 or more employees (even part-time).

2.   Employers may with buy worker’s compensation insurance or obtain permission to self-insure.

3.   Insurance carriers write more workers’ compensation in IL than any other State in the country.

4.   An employer that knowingly and willfully fails to obtain insurance may be fined up to $500 for every day of noncompliance, with a minimum fine of $10,000.

5.   An employer that fails to obtain insurance loses its protection under the Workers’ Compensation Act.

6.   A work-stop order can be placed on an employer that has been found to knowingly fail to provide worker’s compensation insurance. The employer must cease all business operations until it provides proof of insurance.

7.   Family members must be covered  unless they are bona fide corporate officers, reside with the employer, or work for an agricultural enterprise that employs less than 400 working days of labor per year.

8.   Employees are covered by the Worker’s Compensation Act from the moment they are hired, therefore, they must be insured.

9.   Group health, occupational disability, general liability, disability or property insurance will not cover workers’ compensation liability.

10.  If someone suspects an employer does not have insurance, they can contact the Insurance Compliance Division of the IL Worker’s Compensation Commission at 312-814-6611 or toll free within IL at 866-352-3033