Worker’s Compensation Insurance

Worker’s Compensation insurance provides clear terms of coverage and benefits for employees who experience sickness or injury while on the job, or as a result of their labor activities.  Benefits to the employee include medical treatment, lost wages retribution, disability compensation, and rehabilitation expense.  For companies employing three or more persons, worker’s compensation insurance in Illinois and most other states remains legally mandated (unless your company receives permission to self-insure).

It remains up to each state how their worker’s compensation marketplace will behave, but most states offer some combination of “voluntary” and “involuntary” markets to help all companies obtain coverage. In Illinois, we rely on the National Council of Compensation Insurance (NCCI) to administer the “assigned risk pool” where companies who are unable to procure voluntary underwriting are assigned to an involuntary carrier (all carriers offering WC in IL are required to participate).

We insure all types of companies, both in and out of the worker’s compensation pool depending on the risk. #Contact235 today to review your company’s employer liability needs.

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