Eligible Risks
Licensed surplus line producers may place surplus line insurance on risks of the kinds specified in Classes 2 and 3 of Section 4 of the Insurance Code.
Producers may not procure surplus line insurance:
- on a risk where there is an Illinois law requiring that insurance to be placed with an authorized insurer;
- for any primary workers’ comp risk; or
- for any personal lines risk where the coverage is available in a residual market (like the Fair Plan, or Auto Plan). See our Residual Markets & Personal Lines page.
Licensees may, however, procure insurance on an excess or umbrella basis for these risks where it is written over one or more authorized insurer policies.