Illinois certificate of insurance requirements
Illinois construction COIs frequently require a Kotecki waiver endorsement on WC, in addition to standard AI/WOS endorsements. The state's anti-indemnity statute also affects how AI endorsements must be drafted to be enforceable.
Auto liability minimums
$25,000 / $50,000 / $20,000 personal; $1M CSL typical commercial.
Workers' compensation
Workers' compensation required for nearly all employers; sole proprietors and corporate officers have narrow exemption paths.
State-specific quirks
Illinois common law caps an employer's contribution exposure at WC benefits unless the employer waives the cap (a “Kotecki waiver”). Many construction GCs require a Kotecki waiver endorsement on subs' WC policies.
Voids indemnification of a party for its own negligence in construction contracts. Affects AI endorsement enforceability.
Notable industry callouts
- Construction. Kotecki waiver endorsements often required by Chicago-area GCs; verify on incoming WC certs.
How COIflow handles it
Illinois requirement profiles live alongside your contract and lease requirements in COIflow, so every cert your agency issues or verifies for a IL-based insured is checked against the right WC threshold, AI wording, and state-specific endorsement forms — without your CSRs having to remember the differences.
Disclaimer. This summary is for reference only. It is not legal advice and not coverage advice. Verify current statutes, regulations, and case law with licensed counsel and your carriers before relying on it for a specific risk.