Illinois Workers Comp Class Codes — 2026 NCCI Rates
Illinois Workers Compensation | NCCI Advisory Rates | Bright Coast Insurance
About Illinois Workers' Compensation
Illinois workers' compensation insurance is regulated by the Illinois Department of Insurance. NCCI provides advisory loss costs which carriers use to file their own rates with the state. All employers with one or more employees are required to carry workers' comp coverage.
Coverage Requirements in Illinois
Illinois requires all employers with one or more employees to carry workers' compensation insurance. Sole proprietors and partners are exempt but may elect coverage. Corporate officers are automatically covered unless they file for an exemption.
Average Rate & Top Construction Class Codes
The average workers' comp rate in Illinois is approximately $1.30 per $100 of payroll. Construction trades carry higher rates due to elevated injury risk. Below are the most common construction class codes:
| Code | Description | Rate |
|---|---|---|
| 5551 | Roofing - All Kinds | $5.80/$100 |
| 5645 | Carpentry - Detached Dwellings | $6.60/$100 |
| 5022 | Masonry NOC | $4.50/$100 |
| 5190 | Electrical Wiring - Buildings | $2.80/$100 |
| 5183 | Plumbing - All Operations | $2.60/$100 |
How to Calculate Your Premium in Illinois
Your annual workers' comp premium is calculated as: (Total Annual Payroll ÷ 100) × Class Code Rate × Experience Modification Rate (EMR). New businesses typically start with an EMR of 1.0. A drug-free workplace program can reduce your rate by up to 5% in most states.
Get a Workers' Comp Quote in Illinois
Bright Coast Insurance provides workers' compensation quotes for businesses in Illinois and across the country. Call or text (239) 323-0785 or request a free quote online. Same-day certificates of insurance available for qualifying accounts.