Danville (800) 252-5059 | Lisle (800) 628-5618



WCTI members have access to high quality, reliable, and affordable Workers Compensation coverage, as well as “hands on” extensive safety services.

Member Eligibility

Members must be a light to medium risk manufacturing facility located in the state of Illinois. WCTI is committed to adding members with solid safety programs.

Member Commitment

WCTI members commit to these expectations:

  • Report all claims to CCMSI, preferably within 24 hours, but no later than five days.
  • Pay all WCTI invoices in a timely fashion.
  • Participate in the Member Safety Audit Program. MSAP is a structured plan that will help create an improved performance in our members’ safety programs.
  • Conduct pre-employment drug testing and post-accident testing when there is a reasonable possibility that the employee’s drug use could have contributed to the reported injury or illness.
  • Maintain a positive management safety commitment.
  • Participate in all scheduled loss control visits (members receive a minimum of quarterly visits).
  • Maintain group health insurance.
  • Make no in-house payment of medical bills related to work injury.
Eligibility Requirements

WCTI’s minimum premium requirement is $30,000 in standard premium.

Eligible risks must meet the following criteria:

  • The following 3-year trended expected loss (TEL) ratio is required:
    • $30,000–$50,000 in standard premium, TEL less than 40%
    • $51,000–$100,000 in standard premium, TEL less than 45%
    • Over $100,000 in standard premium, less than 50%
  • Light to medium risk manufacturing and related industries
  • Illinois domiciled company
  • Minimal occupational disease exposure
  • Limited chemical exposure
  • No hazardous material handling
  • Group health insurance coverage required
Submission Requirements

The following information is needed in order to provide a proposal:

  • Completed work comp ACORD application.
  • Current year and prior year NCCI experience mod worksheet.
  • Premium history for current year.
  • Loss runs for 5 years, valued within 6 months of the proposed effective date.
  • Details on losses valued $25,000 or more in the last 5 years.
  • Narrative describing operations/locations and current safety program.
  • Description of how raw products are received and finished products are delivered.

Submissions can be sent directly to Angie Blakeney.

Underwriting Information

Once the prospect has completed the underwriting qualification, a proposal will be generated. Upon the prospect’s acceptance of the proposal, the following need to be completed two weeks prior to the effective date:

Once the above information is received, an extensive loss control survey will be conducted followed by a Trustee conference call for a final decision on admittance.

Member Companies

  • 0-50 Employees 39% 39%
  • 51 – 150 Employees 45% 45%
  • 151 – 250 Employees 11% 11%
  • Over 250 Employees 5% 5%

Employees Covered

Average Mod

  • New Members in 2023 & 2024 3% 3%
  • Members for 2 to 5 Years 9% 9%
  • Members for 6 to 10 Years 23% 23%
  • Members for Over 10 Years 65% 65%

Top 10 Classes of Businesses (by total payroll)

Machine Shop     •    Precision Machined Parts Mfg  •   Tool Mfg/Machine Forged   •   Sheet Metal Products Mfg/Shop   •    Screw Mfg            •   Plastics/Molded Prod Mfg   •    Hardware Mfg  •   Meat Products Mfg   •   Wire Goods Mfg   •   Metal Stamped Goods Mfg


Total Group Standard Premium


Average Member Standard Premium


Total Group Payroll


Average Member Payroll