Hotels & Hospitality workers compensation in Illinois
Hotels & Hospitality businesses in Illinois pay a median rate of $1.26 per $100 of payroll, ranging from $0.388 to $7.95. The national median for Hotels & Hospitality is $0.860, so Illinois sits 47% above the national average. 11 unique NCCI class codes are filed in this state for Hotels & Hospitality occupations. Verified 2026-05-09.
Top Hotels & Hospitality class codes in Illinois
The class codes most likely to apply to a Hotels & Hospitality operation in Illinois, sorted from cheapest to most expensive per $100 of payroll. Click into any code for the full state-by-state rate comparison.
| Code | Occupation | Rate per $100 | Confidence |
|---|---|---|---|
| 7453 N | Boat Livery | $0.388 | HIGH |
| 9012 | Building Operation - Theaters | $0.438 | HIGH |
| 9083 | Bar, Tavern, or Nightclub | $0.902 | HIGH |
| 9061 | Country club | $1.02 | HIGH |
| 9084 | Hotel, All Employees | $1.10 | HIGH |
| 9058 | Hotel, all other employees | $1.26 | HIGH |
| 9060 | Country Club Operations | $1.28 | HIGH |
| 9182 | Golf Course Operation | $1.79 | HIGH |
| 7425 | Railroad Sleeping Car | $2.04 | HIGH |
| 9033 | Hotel Operations | $2.08 | HIGH |
Illinois compliance for Hotels & Hospitality employers
Coverage threshold
All employers with one or more employees are required to carry workers' compensation insurance.
1099 vs W-2 in Hotels & Hospitality
Illinois uses a multi-factor test to determine if a 1099 contractor is an employee for workers' compensation purposes.
Owner exclusion
Allowed in Illinois. Sole proprietor self-coverage optional; LLC member self-coverage optional.
Max weekly benefit
$1,975 at 66.67% of average weekly wage, effective 2025-07-15.
Statute of limitations
3 years from injury date in Illinois.
Audit window
Illinois carriers audit payroll within 90 days of policy expiration. Keep Hotels & Hospitality payroll segregated by class code and have job-duty documentation ready.
Cross-cite: full Illinois workers comp overview · Hotels & Hospitality cross-state rate comparison · Illinois workers comp lawyer guide · Illinois settlement chart
Estimate your Hotels & Hospitality premium in Illinois
Pre-filled to Hotels & Hospitality and Illinois. Adjust payroll to see a real premium range from filed rates.
Estimate your workers comp premium
Pick your industry, state, and annual payroll. Range comes from real rate filings.
Estimated annual premium for Hotels & Hospitality in Illinois
$1,940to$39,760
Median: $6,320 · Rate range $0.388 to $7.95 per $100 payroll
Industry median across all states
$4,300
Cheapest states for Hotels & Hospitality
- Pennsylvania $0.380
- Utah $0.460
- Tennessee $0.470
Most expensive
- California $3.38
- New Jersey $2.19
- Hawaii $1.77
Estimate based on 24 states of rate-filing data. Actual premium also reflects experience modifier, schedule credits, and carrier underwriting.
Filing checklist for Hotels & Hospitality businesses in Illinois
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Step 1, Confirm coverage threshold
All employers with one or more employees are required to carry workers' compensation insurance. For Hotels & Hospitality operations, this typically applies once you make a first W-2 hire, even part-time.
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Step 2, Pick the right class code
Hotels & Hospitality businesses typically use codes like 7453, 9060, 9061. The wrong code can cost 4 to 10x more or get reclassified at audit. In Illinois, the cheapest code on this list is 7453 N at $0.388 and the most expensive is 9033 at $2.08.
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Step 3, Get a quote
Private carriers write Hotels & Hospitality coverage in Illinois. Schedule credits up to 25% are typical for low-loss accounts.
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Step 4, Document subcontractors
General contractors are liable for the workers' compensation coverage of uninsured subcontractors. Hotels & Hospitality operators with crews of 1099s should keep certificates of insurance for every sub, otherwise the GC absorbs the sub liability at audit.
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Step 5, Annual audit
Carriers audit payroll within 90 days of policy expiration. Have payroll segregated by class code, job descriptions on file, and overtime properly excluded from rated payroll. Hotels & Hospitality class allocation can shift if any worker spends more than 50% of time on a different code.
Hotels & Hospitality workers comp FAQs in Illinois
What is the typical workers comp rate for Hotels & Hospitality in Illinois?
Hotels & Hospitality employers in Illinois pay a median rate of $1.26 per $100 of payroll, with rates ranging from $0.388 to $7.95 depending on the specific class code. The national median across all states for Hotels & Hospitality is $0.860, so Illinois sits about 47% above the national average.
How many Hotels & Hospitality class codes are filed in Illinois?
Illinois has 11 unique NCCI class codes filed for Hotels & Hospitality occupations, drawn from 11 state-class code rate cells in our dataset. The most common codes include 7453 (Boat Livery), 9060 (Country Club Operations), 9061 (Country club).
Are Hotels & Hospitality 1099 contractors covered by workers comp in Illinois?
Illinois uses a multi-factor test to determine if a 1099 contractor is an employee for workers' compensation purposes.
What is the maximum weekly benefit for an injured Hotels & Hospitality worker in Illinois?
Illinois caps weekly workers comp benefits at $1,975 (effective 2025-07-15), calculated as 66.67% of the average weekly wage. Hotels & Hospitality workers are subject to the same statutory cap as workers in any other industry.
How long does a Hotels & Hospitality worker have to file a comp claim in Illinois?
The statute of limitations in Illinois is 3 years from the date of injury. Most claims also require notice to the employer within 30 days. Hotels & Hospitality workers should report any incident on the date it happens, even minor strains, because cumulative trauma claims can fail without contemporaneous documentation.
Can a Hotels & Hospitality business owner exclude themselves from comp coverage in Illinois?
Yes, Illinois allows business owners (sole proprietors, partners, LLC members, corporate officers) to file an exclusion election. Hotels & Hospitality owner-operators often elect out to keep premium below the minimum. Sole-proprietor self-coverage is not required, and LLC member self-coverage is not required.