Illinois Plumbing Workers Comp Rates (2026)
Illinois does not publish its plumbing class figures online. Across the 26 states that do, the median typical premium is about $2.25 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 plumbing
- 5183: Plumbing NOC & Drivers
- 5188 (Sprinkler Installation & Drivers)
Plumbing work involves back strain, cuts, burns from soldering and hot water, and work in crawl spaces and other confined spaces.
What comp costs per plumber in Illinois
The Bureau of Labor Statistics counts 16,750 plumbers, pipefitters, and steamfitters on payrolls in Illinois (May 2025), the 5th largest workforce among the 50 states and DC. The median wage is $48.05 an hour, 57% above the US median of $30.67.
Plumbers, pipefitters, and steamfitters make up about the same share of Illinois jobs as they do nationally (location quotient 0.92).
At the US median of $2.25 per $100 of payroll (Illinois does not publish its figure online), comp on one worker at that wage costs about $1.08 for every hour worked, or $2,249 a year full time. A 2-person crew comes to roughly $4,497 a year in premium before any experience mod.
Because premium is charged on payroll, who you hire moves the bill. Illinois pay runs from $24.16 an hour at the 10th percentile to $60.79 at the 90th, so the same rate costs $0.54 an hour on a new hire and $1.37 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 $1.02 per $100 of payroll
- Iowa: about $2.13 per $100 of payroll
- Missouri: about $3.27 per $100 of payroll
- Wisconsin: about $2.21 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 plumbing comp at about $1.02 and Missouri the most expensive at about $3.27 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 plumbing comp bill
- Plumbing rates sit in the middle of the construction classes; the swing comes from your experience mod. Trench and excavation injuries are the costly claims, so trench-safety training pays back quickly.
- Some states split residential and commercial plumbing into different classes. If you do both, make sure the payroll for each is recorded so the cheaper work is not rated at the higher class.
- Apprentices carry the same class rate as journeymen, but their lower wages mean less premium per hour. Your payroll mix matters as much as the rate.
- Uninsured subs (excavators, drywall patchers) get added to your payroll at audit unless you collect certificates before they start.