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All 50 states require Workers Comp though most if not all have exemptions. Most if not all states allow you to self-insure if you have enough cash to set aside. Even if you exercise an exemption, you remain liable, so make sure you have plenty of cash for work-related injury claims if you don't carry coverage. Also, even if you don't think your employee would sue, their spouse or minor children who have to get through life on your employee's reduced salary if he has a major injury, or without his salary and companionship if he dies, may present an issue. In short, yes, please carry Comp or a Comp alternative. For specifics in Illinois, please contact your Department of Financial and Professional Regulation, Division of Insurance, at 217.782.4515 or www.ins.state.il.us/default2.htm.

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Q: Do employers have to have workmen's compensation for employees in Illinois?
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