Illinois has the 7th highest workers' comp rates in the nation and strict construction requirements. Here's what Chicago-area businesses need to know.
State Guides | 6 min read | 2026-02-20
Illinois combines high workers' comp rates with strict construction regulations and Chicago-specific requirements. Here's the insurance landscape for Illinois employers.
Illinois ranks 7th among all 51 U.S. jurisdictions for workers' compensation costs, with an index rate of $1.62 per $100 of payroll — 49% above the national median. This makes Illinois one of the most expensive states for employers, particularly in construction, manufacturing, and healthcare.
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