Workers' Comp Insurance for Trucking Businesses in Illinois

Local trucking (NCCI 7228) and long-distance (7229) are differentiated by operating radius. Owner-operators may be exempt as sole proprietors but most freight brokers require coverage. Loading and unloading drives most claims in Illinois. The Illinois workers' compensation market is governed by NCCI, and the average rate statewide is approximately $1.66 per $100 of payroll.

Illinois requirements for trucking businesses

When required: Required for any employer with one or more employees, including part-time.

Sole proprietors: Sole proprietors are exempt unless they elect coverage.

Owner / officer exclusion: Up to 4 officers per corporation may opt out by filing form.

Trucking class codes used in Illinois

Why trucking workers' comp is tricky in Illinois

Trucking is heavily regulated and most carriers require strict driver qualification files. New ventures (under 3 years operating) have very limited markets. We can place new ventures and rough loss histories.

Tips for Illinois trucking companies

• ✓ Local vs long-haul = different rates; document operating radius
• ✓ Driver qualification files are required for renewal — keep them current
• ✓ Pay-as-you-go aligns premium with seasonal freight cycles
• ✓ Owner-operators may be exempt depending on state

Trucking workers' comp in other states

Rates and requirements for trucking companies vary widely by state. Compare Illinois to other major markets:

Other industries in Illinois

Illinois workers' comp rates and requirements for other common industries: