Being familiar with the Illinois workers comp insurance requirements is vital to all business owners. In Illinois, any business with one (1) or more full or part-time employee, must provide workers compensation insurance to cover wages and medical treatment for employees who are injured, die or disabled on the job. Corporate officers are NOT considered employees in Illinois. In the event a work-related accident occurs, the workers compensation insurance will provide the injured with medical benefits and wage replacements during the recovery rehabilitation process. This type of coverage is in exchange for the employee relinquishing their right to the sue the company for the injury. If an employee is killed, while on the job, the workers comp coverage will provide a financial benefit to the employees dependants.
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