Workers’ Comp for Cannabis Businesses in Illinois

Name: Workers' Compensation Insurance for Cannabis in Illinois
Brand: Kickstand Insurance
Rating: 5 (37 reviews)

Policies for manufacturing, dispensaries and retail stores

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Why do Cannabis in Illinois need
Workers' Compensation Insurance?

Comply with state laws

Avoid fines

Protect your employees

Protection from lawsuits

...'cause they can get hurt

Illinois cannabis jobs include oil extraction, packaging, and operating dispensaries. Workers’ compensation provides coverage for job-related injuries and keeps businesses compliant.

Common Cannabis injuries

Wrist fatigue – Caused by constant motion on trimming tables
Burns – Possible when using extraction machines
Respiratory issues – From exposure to dust or mold spores
Heat exhaustion – Especially in indoor cultivation setups
On-road incidents – When delivering cannabis supplies

Workers' Comp for Cannabis in Illinois: Legal Requirements

Illinois cannabis businesses must carry workers’ comp if they employ one or more people. Noncompliance could result in stiff penalties. Learn more about Workers’ Compensation Illinois Requirements here.

Common types of Cannabis workers we can insure in Illinois

Cultivators

Manufacturing

Processors/Harvesters

Retail Dispensaries

Don't see your business classification?
‍We're here to help. Call 866-338-8823.

What type of injuries does
Workers' Comp Insurance cover?

Workers' comp insurance covers both the employer and the injured worker. Like all types of insurance, it acts as a safety net in case of an accident.

If a worker gets hurt on the job, the insurance company will help cover the costs associated with their care so the worker is well taken care of until they return to work.

Since the company had an active Cannabis workers' comp policy, they do not need to pay anything towards the bills.

Workers' comp insurance provides protection to both the employer and the injured worker. Like other types of insurance, it’s there to help in the event of an incident.

If a worker gets hurt on the job, the insurance company will help pay for the costs associated with their care so the worker is provided for until they return to work.

Since the company had an active workers' comp policy, they are not responsible for paying the medical bills.

What will Cannabis Workers' Comp Insurance pay for?

Medical expenses
Rehab and therapy costs
A percentage of lost wages
Disability benefits
Funeral cost

How much does Workers' Comp Insurance
for Cannabis in Illinois cost per month?

The average workers’ comp rate for cannabis businesses in Maryland is $0.72 per $100 of payroll. Learn more about average cannabis workers’ comp rates here.

Disclaimer: Premium has been derived by combining ZipRecruiter national payroll averages per industry with average rates of a national carrier partner. Figures are for illustrative purposes only and do not include taxes or additional fees.

What's the cost based on?

The National Council of Compensation Insurance (NCCI) sets a fixed rate for every industry in Illinois.

The rate is based on the level of risk for that job description.

Premiums are primarily calculated by using your payroll numbers and your NCCI class code.

Common Classifications for Illinois Cannabis

For more details on class codes, visit this detailed guide on Cannabis Workers’ Compensation Class Codes.

0035 - Cannabis Cultivating/Farming

4825 - Processing of Cannabis into CBD Oil or Products

8045 - Cannabis Dispensary - Retail

8047 - Cannabis Dispensary - Wholesale

8832 - Medical Cannabis/Marijuana

Don't see your business classification?
We're here to help. Call 866-338-8823.

How to get Workers' Comp Insurance in Illinois

Getting workers' comp insurance in Illinois is a straightforward process. Business owners can purchase coverage through any licensed insurance agent operating within the state.

However, not all agents offer workers' comp insurance, so it's essential to compare potential policies to ensure you're getting the right coverage for your Cannabis business.

Kickstand Insurance offers a streamlined process to help you compare quotes and choose a policy that fits your business needs. Start by filling out our Instant Quote form for a fast estimate.

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Ensure your company is fully protected. Get a hassle-free workers' comp quote in just 10 minutes with Kickstand Insurance and protect your business, your employees, and your bottom line.

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Helpful tips to save money

Choosing cannabis insurance services may sound simple, but doing it wrong can be very costly.

Here’s how to save money:

Classify your workers correctlyFor example - Employees who do clerical work have a different code (8810). Lumping them together with manual labors will increase your premium.

Don't underestimate your payroll
If your payroll is more than was estimated at the beginning of the policy, it will be discovered at audit and you will be billed for the difference.

Have a clear process to report claims
...and make sure your employees know about it. This will make the entire experience easier for all involved. It can even help keep your costs down!

Report every incident- even if it didn't result in a large injury. Some things which seem insignificant can snowball into costly issues.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! Our Cannabis Workers’ Compensation Audit Checklist can help.

Prepare for your audit Every policy is audited at the end of 12 months. Keep your payroll records and files neat so you don't have issues later! A Cannabis Workers’ Compensation Audit Checklist can help.

For more strategies, check out these 6 tips on how to reduce your cannabis workers’ compensation costs.

FAQ's on Workers' Comp for Cannabis in Illinois

How should a non-cultivating medical marijuana seller be classified?

If your business only sells and doesn’t grow cannabis, it should be categorized as a pharmacy.

Are security guards part of the workers’ compensation policy?

Yes, but they need to be properly classified using code 7720.

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Learn more about Cannabis Insurance

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Reduce your Cannabis Workers’ Comp Insurance Costs

Why use Kickstand to
get workers' comp insurance?

Speed + Service + Experts

Document with workers' comp for Cannabis insurance quote surrounded by insurance icons

Unlike other online insta-quote systems,
here your quote is reviewed by experts

Why does it matter?

Avoid surprise bills at audit
Make sure all your employees are properly covered
Protect yourself from lawsuits

What do we check?

Business categorized correctly
Employees job roles
Special discount opportunities

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The Ultimate Guide to Workers' Comp Insurance

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The information on this website is not intended to serve as insurance advice. All content provided is for general informational purposes only.
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