Illinois exempts household employers from mandatory workers' compensation, but coverage is still recommended. Here's what Chicago-area host families need to know.
Illinois Requirements
Required:
- ✅ Auto insurance addition (if au pair drives)
Not Required But Recommended:
- 💡 Workers' Compensation Insurance
- 💡 Supplemental medical insurance
Workers' Compensation
Household Exemption
Illinois exempts "domestic servants" (including au pairs) from mandatory workers' comp coverage.
Why Get It Anyway?
Even without a legal requirement, workers' comp:
- Protects you from expensive injury claims
- Covers medical bills that could be tens of thousands
- Provides peace of mind
Cost estimate: $500 - $1,000/year — cheap insurance against major liability.
Auto Insurance
Illinois requires auto insurance. If your au pair drives:
Minimum Requirements
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $20,000 property damage
- Uninsured motorist coverage
Chicago Driving
Chicago driving is challenging:
- Dense traffic
- Aggressive drivers
- Winter conditions
Consider whether your au pair really needs to drive in the city. CTA (public transit) is extensive.
Cost to add au pair: $300 - $800/year (higher in Chicago proper)
Get Started
Take our quiz to get personalized recommendations for your Illinois situation.