Illinois Painting Workers Comp Rates (2026)
Illinois does not publish its painting class figures online. Across the 26 states that do, the median typical premium is about $4.43 per $100 of payroll. Ask a carrier or the state's rating bureau for the current Illinois figure.
No official Illinois figure is available online, so the numbers below use the US median of the states that publish one.
Illinois class code for painting
- 5474: Painting NOC & Shop Operations, Drivers
- 5037 (Painting: Metal Structures - Over Two Stories in Height & Drivers)
- 5491 (Paperhanging & Drivers)
Painting carries ladder fall risk, solvent exposure and lead paint hazards in buildings built before 1978.
What comp costs per painter in Illinois
The Bureau of Labor Statistics counts 6,820 painters on payrolls in Illinois (May 2025), the 6th largest workforce among the 50 states and DC. The median wage is $29.45 an hour, 24% above the US median of $23.75.
Painters make up about the same share of Illinois jobs as they do nationally (location quotient 0.77).
At the US median of $4.43 per $100 of payroll (Illinois does not publish its figure online), comp on one worker at that wage costs about $1.30 for every hour worked, or $2,714 a year full time. A 3-person crew comes to roughly $8,141 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Illinois pay runs from $19.63 an hour at the 10th percentile to $50.65 at the 90th, so the same rate costs $0.87 an hour on a new hire and $2.24 on a senior hand.
Workers comp requirements in Illinois
- Coverage required: 1 employee; construction is classed as extra-hazardous
- Owners and sole proprietors: In construction, owners and officers cannot opt out and must be covered
- State fund: Private market (no state fund)
- Waiting period: 3 work days; retroactive if off 14+ days
- Penalty for going without: Willful failure: up to $500/day (minimum $10,000) and Class 4 felony exposure
Because construction is classed as extra-hazardous, Illinois removes the owner/officer opt-out that most states allow.
Illinois vs neighboring states
- Indiana: about $2.12 per $100 of payroll
- Iowa: about $4.45 per $100 of payroll
- Missouri: about $5.51 per $100 of payroll
- Wisconsin: about $4.71 per $100 of payroll
Illinois does not publish its figure, so the first row is the US median. Among neighbors that publish, Indiana is the cheapest for painting comp at about $2.12 and Missouri the most expensive at about $5.51 per $100 of payroll.
If your crews work across the line, list those states under item 3.A or 3.C of your policy before the job starts. Rates follow the state where the work is done, not where your office is.
What moves a painting comp bill
- Painting rates are set by height and surface: interior repaint work and exterior or industrial painting can fall into different classes in many states. Describe your mix accurately at quote time.
- Ladder and scaffold falls are the costly claims. Scaffold training and inspection logs help when you ask a carrier for safety credits.
- Painting crews lean on 1099 labor. Without a certificate of insurance on file, the auditor will add those payments to your payroll.
- Seasonal exterior work makes payroll hard to forecast. Estimate the year, not your busiest month, so the deposit and the audit stay close.