The Hartford in Illinois
The Hartford writes workers compensation insurance in Illinois, with A+ AM Best rating and a $200 minimum premium. Illinois carriers operate under NCCI rate filings, with a max weekly benefit of $1,975 and a statute of limitations of 3 years. Verified 2026-05-09.
The Hartford in Illinois
Strong digital experience. EZ Apply for businesses up to $25M payroll. The carrier's industry focus is small to mid-market businesses, and the AM Best rating is A+ with a Stable outlook. Online quoting is available through the carrier portal. Pay-as-you-go billing is available, which reconciles premium each pay period instead of at the annual audit. Self-service audit is available, employers can upload payroll records through a portal instead of waiting for an auditor visit.
Illinois workers comp rules that apply to every carrier
Illinois workers comp benefits are set by statute, not by the carrier. The maximum weekly indemnity benefit is $1,975 at 66.67% of the average weekly wage. The statute of limitations to file a claim is 3 years from the date of injury. Coverage threshold: All employers with one or more employees are required to carry workers' compensation insurance. On 1099 contractors: Illinois uses a multi-factor test to determine if a 1099 contractor is an employee for workers' compensation purposes.
How to get a The Hartford quote in Illinois
Have your FEIN, NCCI class code (or job description if you do not know the code yet), estimated annual payroll by class code, three years of loss runs from prior carriers, your published EMR (experience modifier) if you have one, and certificates of insurance for any subcontractors. The Hartford can quote faster with complete information; missing payroll detail or loss runs typically delays underwriting by 5 to 10 business days. For accounts under the carrier-set premium ceiling, the online portal can issue a quote in under an hour.
Related
FAQs
Does The Hartford write workers comp in Illinois?
Yes. The Hartford writes workers compensation in all 50 + DC, including Illinois. AM Best rates the carrier A+ (Stable outlook), and the minimum premium is $200. Online quoting is available.
What kind of Illinois businesses does The Hartford target?
The Hartford focuses on small to mid-market businesses. Strong digital experience. EZ Apply for businesses up to $25M payroll.
What is the max weekly workers comp benefit in Illinois on a The Hartford policy?
Statutory benefits are set by state law, not by the carrier. Illinois caps weekly indemnity at $1,975 (effective 2025-07-15), calculated as 66.67% of the average weekly wage. The Hartford pays the same statutory benefit as any other Illinois carrier.
How does The Hartford handle 1099 contractors in Illinois?
Illinois uses a multi-factor test to determine if a 1099 contractor is an employee for workers' compensation purposes. The Hartford audits 1099 status against the same standard at policy audit; missing certificates of insurance for subcontractors typically lead to the sub payroll being added to the rated base.
Does The Hartford offer pay-as-you-go workers comp in Illinois?
Yes. The Hartford offers pay-as-you-go workers comp, where premium is calculated each pay period based on actual payroll instead of estimated annual payroll. Pay-as-you-go reduces audit surprises and is available in Illinois through The Hartford.
When does The Hartford audit my payroll in Illinois?
Illinois carriers including The Hartford audit within 90 days of policy expiration. Have payroll segregated by class code, certificates of insurance for every subcontractor, and overtime documented separately.