IllinoisSB1289104th General Assembly (2025–2026)Senate

INS-SURPLUS LINE HOME STATE

Sponsored By: Michael E. Hastings (Democratic)

Signed by Governor

Summary

Amends the Illinois Insurance Code. In provisions concerning surplus line insurance, changes the definition of "home state". Makes other conforming changes.

assignmentsinsurance

Personalized for You

How does this bill affect your finances?

Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.

Bill Overview

Analyzed Economic Effects

2 provisions identified: 0 benefits, 1 costs, 1 mixed.

Placement rules for group insurance policies

A single surplus line policy covering multiple insureds in an unaffiliated group uses the group's home state. Members' coverage is not treated as separate contracts, even when each member pays the full premium. For program insurance, licensed producers must first try to find coverage from authorized insurers. That search must include every variable provision of the program.

Specialty insurance follows fewer state rules

Surplus line insurance, including coverage from domestic surplus line insurers, is exempt from most Illinois Insurance Code rules. Listed licensing, tax, enforcement, and consumer-protection rules still apply, along with compatible Article XXXI rules. Separately, Illinois surplus line law excludes insurance for railroads and aircraft engaged in interstate or foreign commerce. It also excludes vessels, cargo, marine builder's risks, marine protection and indemnity, and other ocean or wet marine coverage.

Sponsors & Cosponsors

Sponsor

  • Michael E. Hastings

    Democratic • Senate

Cosponsors

  • Anthony DeLuca

    Democratic • House

  • Cristina Castro

    Democratic • Senate

  • Dave Syverson

    Republican • Senate

  • Jeff Keicher

    Republican • House

  • Laura Fine

    Democratic • Senate

  • Paul Faraci

    Democratic • Senate

  • Seth Lewis

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 193 • No: 0

House vote • 5/21/2025

Third Reading - Short Debate - Passed

Yes: 110 • No: 0

House vote • 4/29/2025

Do Pass / Short Debate Insurance Committee;

Yes: 15 • No: 0

Senate vote • 4/9/2025

Third Reading - Passed;

Yes: 56 • No: 0

Senate vote • 2/19/2025

Do Pass Insurance;

Yes: 12 • No: 0

Bill Text

Related Bills

Back to State Legislation