Illinois
What the Illinois authorities publish about business insurance, quoted directly, with a link and a date on every answer.
A private market, so what you pay depends on which carriers will write your class. Thresholds, filings and deadlines are set and changed by the Illinois Workers’ Compensation Commission — confirm yours there or with a licensed producer.
What the regulator says
Each answer below is what a named authority publishes, quoted so you can check it, with the date we last confirmed it against their page.
Which Illinois employers must carry workers’ compensation insurance?
The Illinois Workers’ Compensation Commission states that Illinois law requires employers to provide workers’ compensation insurance for almost everyone. The Commission publishes the narrow exemptions, and the penalties for going without, on the same page.
“Illinois law requires employers to provide workers’ compensation insurance for almost everyone”
What auto liability insurance does Illinois require?
The Illinois Department of Insurance states that Illinois law requires property damage liability limits of at least $20,000 per accident, citing 625 ILCS 5/7-203. The Department publishes the bodily injury floor and the mandated uninsured motorist limits elsewhere on the same guide, so those figures are not reproduced here.
“Illinois law (625 ILCS 5/7-203) requires PD liability limits of at least $20,000 per accident.”
This is reporting, not advice. Rules change, and the authority above is the one that changes them — confirm your situation there or with a licensed producer before you act on it.