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Certificate of Insurance Requirements in Illinois

Illinois property managers and GCs require certificates of insurance from vendors; workers comp is mandatory for employers with one or more employees.

What contractors in Illinois must carry

Workers comp required for employers; liability limits commonly $1M/$2M.

Key facts about Illinois COI compliance

  • Illinois property managers require certificates from every vendor
  • Workers comp is mandatory for employers with one or more employees
  • Cook County projects often impose stricter requirements

Typical requirements in Illinois

General liability$1M/$2M commonly required
Workers compensationRequired for all employers
Additional insuredCommon in commercial leases

Typical contract terms in Illinois — always confirm with your legal counsel and insurer.

Statutory basis

Key references: 820 ILCS 305. Note that contract requirements often exceed state law — most commercial agreements in Illinois require $1M+ general liability and additional insured endorsements regardless of statute.

How COIFort keeps you compliant in Illinois

You define the requirement template once — coverage types, minimum limits, additional insured. Every certificate a Illinois-based vendor uploads is automatically verified against it, and renewal reminders fire before any expiration. Your certificate history is audit-ready 24/7.

Frequently asked questions about Illinois COI requirements

Workers comp required for employers; liability limits commonly $1M/$2M. In Illinois, coverage rules are defined by 820 ILCS 305. COIFort lets you require workers comp from every contractor and flags any certificate that does not include it.
Illinois property managers and GCs require certificates of insurance from vendors; workers comp is mandatory for employers with one or more employees. Beyond state law, most commercial contracts in Illinois require $1M+ general liability and additional insured endorsements — COIFort verifies every submitted certificate against your exact template.
COIFort emails each contractor a secure upload link, verifies coverage types, limits and dates against your requirements, and reminds both sides before any certificate expires. No spreadsheets, no chasing.