Illinois workers' comp and liability insurance
Our office is in Schaumburg, and Bliss Marc is licensed in Illinois (#100299879). We help Illinois employers, including home health, home services and home nursing agencies, find the right coverage at a competitive price.
Coverage guides for Illinois
Workers' compensation in Illinois
Illinois requires workers' compensation if you have even one employee, including part-time staff, from the first day of employment. Sole proprietors, partners, corporate officers and LLC members can opt themselves out in writing. An employer that knowingly fails to insure can be fined up to $500 per day with a $10,000 minimum, face criminal charges, and receive a work-stop order.
Home health and home services agency licensing
Section 245.90 of the Home Health, Home Services, and Home Nursing Agency Code requires a license application to include a Certificate of Insurance showing liability coverage of at least $1 million per occurrence and $3 million aggregate.
How Illinois rates are set
Illinois insurers build their rates from advisory loss costs filed by NCCI, then apply their own multipliers, so quotes for the same business can vary widely. For January 1, 2026, NCCI filed a 1.2% decrease in voluntary-market loss costs. Shopping multiple carriers matters here.
Frequently asked questions
Is workers' comp required in Illinois for one employee?
Yes. Illinois requires coverage if you have even one employee, including part-time employees.
What insurance does an Illinois home services agency need?
A Certificate of Insurance showing at least $1 million per occurrence and $3 million aggregate in liability coverage with the license application, plus workers' compensation for employees.
Can business owners opt out of workers' comp in Illinois?
Sole proprietors, partners, corporate officers and LLC members can exclude themselves by notifying their insurer in writing. Employees can't be excluded.
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