Small-business cover in Illinois.
In Illinois, workers’ comp is required at Required for all employers with one or more employees (including part-time workers), from the first day of hire[S]Illinois workers' compensation threshold. Workers' compensation is mandatory for essentially all employers from the first employee under the Illinois Workers' Compensation Act. Sole proprietors, partners, corporate officers, and LLC members may elect to exempt themselves but must still cover their employees. Roofing contractors require a state license. Regulated by the Illinois Workers' Compensation Commission.
Updated 2026-05-16 · Beaconcover editorialThe short answer: Business insurance in Illinois starts with workers' compensation, required at Required for all employers with one or more employees (including part-time workers), from the first day of hire, plus the general liability that most clients and licenses ask for before you can take a job.
What does Illinois require?
Required for all employers with one or more employees (including part-time workers), from the first day of hire[C]Illinois workers' compensation threshold
Workers' compensation is mandatory for essentially all employers from the first employee under the Illinois Workers' Compensation Act. Sole proprietors, partners, corporate officers, and LLC members may elect to exempt themselves but must still cover their employees. Roofing contractors require a state license. Regulated by the Illinois Workers' Compensation Commission.
What licensing and bonding does Illinois require?
- Illinois licenses roofing contractors at the state level
- Chicago adds municipal licensing for several trades