Misclassified job duties
The wrong class code is a common source of audit surprises and bills after the policy year ends.
WORKERS COMP · ILLINOIS EMPLOYERS
Protect your crew.Ready for the audit.
Workers compensation helps cover medical costs and part of lost wages when an employee is hurt on the job. We help Illinois employers get the class codes right and keep payroll records audit-ready.
Since 2004insuring Chicagoland
Class codesreviewed with you
Payroll and policyin one office
Who it is for
One injury can cost a lot.Audits can bring surprise bills.
Payroll that does not match
Annual audits compare actual payroll to the estimate. Messy records make that harder and costlier.
Missing subcontractor certificates
Payments to uninsured subcontractors can be added to your audit. Collect certificates before work starts.
Coverages
Covered and ready.
Every policy is fitted to what you own and how you live or work, then reviewed with you each year.
Coverage requirement review
We help you understand whether Illinois requires coverage for your business and who counts.
Medical and wage benefits
Reasonable medical care and a portion of lost wages after covered workplace injuries.
Class codes and payroll
We describe job duties clearly up front so premiums track the work your team actually does.
Audit preparation
Payroll reports, subcontractor certificates and job descriptions organized before the auditor calls.
Experience mod guidance
Prior claims affect your experience modification and future premiums. We explain how.
Certificates for jobs
Proof of coverage for job sites and general contractors that ask before work begins.
How it works
From first call to coverage.
- Step 1Share your payrollEstimated payroll by job type, what each role does and any subcontractors you use.
- Step 2We classify the workWe match duties to class codes so the estimate reflects your real operations.
- Step 3We shop the policyWe compare quotes from the carriers we represent and explain the results.
- Step 4We prep the auditPayroll records from our office support your annual premium audit.
The Ozfield difference
Your payroll is already here.So audits go smoother.
Most people use one company for taxes, another for books and a third for insurance. With Ozfield, one team sees it all, so nothing gets lost between offices.
Payroll taxThe payroll we file is the payroll your audit reviews, from the same file.BookkeepingSubcontractor payments and certificates tracked in your books all year.Occupational accidentFor contractor models where traditional workers comp may not be the fit.ConstructionClass codes and certificates that general contractors expect.
Excellent service from start to finish. The team was professional, responsive, and made the whole insurance process easy and stress-free. They answered all my questions clearly, gave me a great rate, and handled everything quickly. I truly appreciate their honesty and customer support. Highly recommend to anyone looking for reliable insurance service!
FAQs
Good questions.
Something else on your mind? Call 773-536-9272 and our office will walk you through it.
Do I need workers compensation in Illinois?
Illinois generally requires employers with employees to carry workers compensation, even with a single employee. Some owners and certain workers may be exempt, so we review your situation.
How is my premium calculated?
Premiums are based on payroll by classification code, and prior claims can affect your experience modification. Your rate depends on the work your employees do.
What is a premium audit?
After the policy year, the carrier compares your actual payroll to the estimate used to price the policy. The difference can mean a refund or an additional bill.
What does workers compensation pay?
It generally covers reasonable medical care and a portion of lost wages after a covered workplace injury. Limits and waiting periods apply.
Is occupational accident the same as workers comp?
No. Workers compensation typically applies to W-2 employees, while occupational accident is built for independent contractors. The right fit depends on how workers are paid and classified.
Get a workers comp quote.
Send us your payroll by job type and we will shop coverage that fits your operations.