# Illinois SB1289: INS-SURPLUS LINE HOME STATE

Illinois SB1289, INS-SURPLUS LINE HOME STATE, is a 104th General Assembly (2025–2026) Senate bill sponsored by Michael E. Hastings (Democratic); status signed, last action 2025-08-01 (Public Act . . . . . . . . . 104-0091) (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IL-SB1289-2025-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Illinois SB1289
- State: Illinois
- Session: 104th General Assembly (2025–2026)
- Title: INS-SURPLUS LINE HOME STATE
- Status: signed
- Chamber: Senate
- Introduced: 2025-01-28
- Last action: 2025-08-01, Public Act . . . . . . . . . 104-0091
- Sponsor: Michael E. Hastings (Democratic)
- Cosponsors: 7
- Subjects: assignments, insurance
- Touches household money: no
- Roll calls: 4 (193 yes, 0 no in all)
- Economic provisions PRIA read: 2

## Summary

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

## Bill overview: provisions PRIA read

- Placement rules for group insurance policies: cost, low. 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 authorize…
- Specialty insurance follows fewer state rules: mixed, low. 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…

## Sponsors and cosponsors

- Sponsor: Michael E. Hastings (Democratic), Senate
- Cosponsor: Anthony DeLuca (Democratic), House
- Cosponsor: Cristina Castro (Democratic), Senate
- Cosponsor: Dave Syverson (Republican), Senate
- Cosponsor: Jeff Keicher (Republican), House
- Cosponsor: Laura Fine (Democratic), Senate
- Cosponsor: Paul Faraci (Democratic), Senate
- Cosponsor: Seth Lewis (Republican), Senate

## Roll call votes

| Date | Chamber | Motion | Result | Yes | No | Other |
| --- | --- | --- | --- | --- | --- | --- |
| 2025-05-21 | House | Third Reading - Short Debate - Passed | pass | 110 | 0 |   |
| 2025-04-29 | House | Do Pass / Short Debate Insurance Committee; | pass | 15 | 0 |   |
| 2025-04-09 | Senate | Third Reading - Passed; | pass | 56 | 0 |   |
| 2025-02-19 | Senate | Do Pass Insurance; | pass | 12 | 0 |   |

## Bill text

- Engrossed: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1289eng.pdf)
- Enrolled: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1289enr.pdf)
- Introduced: [PDF](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1289.pdf)

## Related bills

- HB5198: AFFORDABLE HOUSING-CILAS (passed house)
- SB1937: PENSION CODE-VARIOUS (passed senate)
- HB2563: CONDO-RESERVE STUDY (in committee)
- HB4701: LIMITATIONS FACILITY FEES ACT (in committee)
- SB3008: DHS-ABLE PROGRAM INFO MATERIAL (passed senate)
- SB3484: VEH CD-PLATES-REGISTRATION (signed)

## Sources
- [Engrossed (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1289eng.pdf)
- [Enrolled (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1289enr.pdf)
- [Introduced (PDF)](https://www.ilga.gov/documents/legislation/104/SB/PDF/10400SB1289.pdf)

## Related
- [HB5198: AFFORDABLE HOUSING-CILAS](https://policyrisk.com/state-bill/IL-HB5198-2025-2026)
- [SB1937: PENSION CODE-VARIOUS](https://policyrisk.com/state-bill/IL-SB1937-2025-2026)
- [HB2563: CONDO-RESERVE STUDY](https://policyrisk.com/state-bill/IL-HB2563-2025-2026)
- [HB4701: LIMITATIONS FACILITY FEES ACT](https://policyrisk.com/state-bill/IL-HB4701-2025-2026)
- [SB3008: DHS-ABLE PROGRAM INFO MATERIAL](https://policyrisk.com/state-bill/IL-SB3008-2025-2026)
- [SB3484: VEH CD-PLATES-REGISTRATION](https://policyrisk.com/state-bill/IL-SB3484-2025-2026)
- [Illinois bills](https://policyrisk.com/states/illinois/bills)
- [Illinois state hub](https://policyrisk.com/states/illinois)
- [All state legislation](https://policyrisk.com/state-bills)

Source: PRIA, https://policyrisk.com/state-bill/IL-SB1289-2025-2026 (as of 2026-11-01).