--- title: "Liquor liability insurance in Illinois" description: "Illinois statutory recovery limits change annually and are separate from policy limits." canonical: "https://spot.insure/coverage/liquor-liability/illinois" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/liquor-liability/illinois) # Liquor liability insurance in Illinois Illinois’s Dramshop Act allows an in-state claimant injured by an intoxicated person to sue a licensed seller that caused the intoxication. A separate retail-license eligibility provision requires liquor-liability coverage for premises where alcohol is sold for use or consumption, at least equal to § 6-21(a)’s maximum liability amounts. For judgments or settlements on or after January 20, 2026, the Commission lists CPI-adjusted ceilings; those legal amounts do not establish policy terms or claim coverage.[^1][^4][^2] **Coverage:** [Liquor liability](/coverage/liquor-liability) · [Illinois](/coverage/states/illinois) ## What Is Liquor Liability? Liquor liability can cover claims tied to your business selling, serving or furnishing alcohol. If you run a bar, restaurant or event where you provide drinks, check how the quote treats injuries, property damage and occasional service. [Read the national Liquor liability guide](/coverage/liquor-liability). ## Illinois Requirements | Requirement | Details | | --- | --- | | Insurance for on-premises retail license eligibility | Coverage for the licensed premises must be at least equal to § 6-21(a) maximum liability amounts; § 6-18(18) makes an applicant without it ineligible.[^4][^2] | ## What to Watch for in Illinois ### Statutory claimant route Section 6-21(a) creates a statutory action for a person injured in Illinois by an intoxicated person against a person licensed to sell alcohol who caused that intoxication. Confirm whether the named business is the seller, a caterer, a host, or another role before mapping the claim to a policy.[^1] ### 2026 recovery limits are not policy limits For final judgments or settlements awarded from January 20, 2026, the Commission lists caps of $90,411.55 per person for injury/property damage and $110,503 for loss of support or society. Section 6-18(18) uses the § 6-21(a) maximums as the premises-insurance floor for the covered retail license applicant; the figures still do not establish what any policy covers or how its limits apply.[^2][^1] ### Special premises can add insurance conditions Section 6-15 contains specific state-controlled-premises authorizations conditioned on dramshop insurance. That narrow text should not be generalized into a statewide mandate for every private bar or restaurant. Check the particular license, public-property arrangement and local approval.[^3] ### Review the annual adjustment The Illinois Liquor Control Commission says § 6-21 limits are recalculated annually using CPI-U. Ask for the current effective caps when evaluating a claim or renewal; compare those legal numbers separately with occurrence, aggregate and defense-cost terms.[^2] ## Who Regulates Insurance in Illinois **Illinois Department of Insurance.** The Department licenses and oversees insurers and insurance producers doing business in Illinois, reviews regulated insurance activity, and investigates complaints about coverage, claims, premiums, and sales.[^5][^7][^6] - [Regulator website](https://idoi.illinois.gov/) - [License lookup](https://idoi.illinois.gov/companies/agent-lookup.html) - [File a complaint](https://idoi.illinois.gov/consumers/file-a-complaint.html) - Phone: (866) 445-5364 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 3.5% of taxable premium plus a 0.04% stamping fee; separate 1% fire marshal tax on taxable fire premium When Illinois is the insured’s home state, the broker reports and remits a 3.5% tax on gross taxable surplus-line premium less returned taxable premium. The separate SLAI stamping fee is 0.04% for policies effective on or after January 1, 2023; a 1% fire marshal tax also applies to taxable fire premium.[^9][^8][^12][^13][^10] [Surplus Line Association of Illinois](https://www.slai.org/) **Illinois guaranty fund limits:** For covered claims against a member insurer, the Illinois Insurance Guaranty Fund generally caps its obligation at $500,000 per claim; workers’ compensation claims are excepted from that dollar cap. This fund does not protect policies issued by nonadmitted surplus-lines insurers. The net-worth exclusions apply to covered claims against member insurers.[^10] **Illinois FAIR Plan:** If you cannot obtain basic property coverage in the voluntary market, the Illinois FAIR Plan offers a residual-market option for eligible property. Check its current eligibility and coverage limits before relying on it for a commercial location.[^11] ## Providers With Documented State Licenses These providers publish a national listing for Liquor liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Illinois; [check the regulator’s license lookup](https://idoi.illinois.gov/companies/agent-lookup.html) and confirm state availability for your business when requesting a quote. - [Corgi](/insurance-providers/corgi) — **Entity:** Corgi Insurance Services, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** Corgi’s company producer-license table lists 50 jurisdictions: 49 states and the District of Columbia, including DC license 3003091619. New Mexico does not appear in the table and is not included here; the omission does not establish that Corgi is unlicensed there. The company-reported table has no stated as-of date and does not establish product availability.[^16] ## Questions to Ask Before You Buy in Illinois 1. What occurrence and aggregate limits apply, and do defense expenses reduce them? 2. Does the quote include every location, catering operation and event, including any state-controlled premises arrangement? 3. How are claims involving several injured people from one intoxication event grouped under the policy? 4. Which assault-and-battery, security, off-premises service, host-liquor or licensing exclusions apply? ## Liquor Liability in Illinois: FAQ ### Are the 2026 statutory caps the amount my insurer must pay? No. They cap specified statutory recoveries; the policy’s coverage grant, limits, exclusions and defense terms still control what the insurer promises.[^2] ### When do the 2026 figures apply? The Commission says the listed values apply to final judgments or settlements awarded on or after January 20, 2026.[^2] ### Does Illinois require liquor-liability insurance for a retail liquor license? Section 6-18(18) makes an applicant ineligible for a license to sell liquor for use or consumption on the licensed premises without coverage for that premises at least equal to § 6-21(a)’s maximum liability amounts. That legal floor does not settle policy wording or whether a particular claim is covered.[^4][^2] ## Liquor Liability in Other States - [Alabama](/coverage/liquor-liability/alabama) - [Alaska](/coverage/liquor-liability/alaska) - [Arizona](/coverage/liquor-liability/arizona) - [Arkansas](/coverage/liquor-liability/arkansas) - [California](/coverage/liquor-liability/california) - [Colorado](/coverage/liquor-liability/colorado) - [Connecticut](/coverage/liquor-liability/connecticut) - [Delaware](/coverage/liquor-liability/delaware) - [District of Columbia](/coverage/liquor-liability/district-of-columbia) - [Florida](/coverage/liquor-liability/florida) - [Georgia](/coverage/liquor-liability/georgia) - [Hawaii](/coverage/liquor-liability/hawaii) - [Idaho](/coverage/liquor-liability/idaho) - [Indiana](/coverage/liquor-liability/indiana) - [Iowa](/coverage/liquor-liability/iowa) - [Kansas](/coverage/liquor-liability/kansas) - [Kentucky](/coverage/liquor-liability/kentucky) - [Louisiana](/coverage/liquor-liability/louisiana) - [Maine](/coverage/liquor-liability/maine) - [Maryland](/coverage/liquor-liability/maryland) - [Massachusetts](/coverage/liquor-liability/massachusetts) - [Michigan](/coverage/liquor-liability/michigan) - [Minnesota](/coverage/liquor-liability/minnesota) - [Mississippi](/coverage/liquor-liability/mississippi) - [Missouri](/coverage/liquor-liability/missouri) - [Montana](/coverage/liquor-liability/montana) - [Nebraska](/coverage/liquor-liability/nebraska) - [Nevada](/coverage/liquor-liability/nevada) - [New Hampshire](/coverage/liquor-liability/new-hampshire) - [New Jersey](/coverage/liquor-liability/new-jersey) - [New Mexico](/coverage/liquor-liability/new-mexico) - [New York](/coverage/liquor-liability/new-york) - [North Carolina](/coverage/liquor-liability/north-carolina) - [North Dakota](/coverage/liquor-liability/north-dakota) - [Ohio](/coverage/liquor-liability/ohio) - [Oklahoma](/coverage/liquor-liability/oklahoma) - [Oregon](/coverage/liquor-liability/oregon) - [Pennsylvania](/coverage/liquor-liability/pennsylvania) - [Rhode Island](/coverage/liquor-liability/rhode-island) - [South Carolina](/coverage/liquor-liability/south-carolina) - [South Dakota](/coverage/liquor-liability/south-dakota) - [Tennessee](/coverage/liquor-liability/tennessee) - [Texas](/coverage/liquor-liability/texas) - [Utah](/coverage/liquor-liability/utah) - [Vermont](/coverage/liquor-liability/vermont) - [Virginia](/coverage/liquor-liability/virginia) - [Washington](/coverage/liquor-liability/washington) - [West Virginia](/coverage/liquor-liability/west-virginia) - [Wisconsin](/coverage/liquor-liability/wisconsin) - [Wyoming](/coverage/liquor-liability/wyoming) [Other Coverage in Illinois](/coverage/states/illinois) ## Sources [^1]: [235 ILCS 5/6-21, Dramshop Act](https://www.ilga.gov/legislation/ilcs/fulltext?DocName=023500050K6-21) — Illinois General Assembly; Subsection (a), statutory action by persons injured in Illinois by an intoxicated person against licensed sellers; section’s limits and text. Accessed 2026-09-28. [^2]: [2026 Dram Shop Liability Limits](https://ilcc.illinois.gov/divisions/licensing/dram-shop-liability-limits.html) — Illinois Liquor Control Commission; Effective Jan. 20, 2026: $90,411.55 per person for injury/property and $110,503 for support/society recoveries; annual CPI adjustment under § 6-21(a). Accessed 2026-09-28. [^3]: [235 ILCS 5/6-15, Alcohol in state-controlled buildings](https://ilga.gov/legislation/ilcs/fulltext?DocName=023500050K6-15) — Illinois General Assembly; State-controlled premises carveouts that expressly condition specified sales/dispensing on dramshop insurance; do not generalize to all private licensees. Accessed 2026-09-28. [^4]: [235 ILCS 5/6-18, Persons ineligible for license](https://www.ilga.gov/legislation/ilcs/fulltext?DocName=023500050K6-18) — Illinois General Assembly; Paragraph (18): retail license applicant selling liquor for use or consumption on licensed premises is ineligible absent premises liquor-liability coverage at least equal to § 6-21(a) maximum liability amounts. Accessed 2026-09-28. [^5]: [Illinois Department of Insurance](https://idoi.illinois.gov/) — Illinois Department of Insurance; Official agency homepage and agency information. Accessed 2026-09-28. [^6]: [File a Complaint](https://idoi.illinois.gov/consumers/file-a-complaint.html) — Illinois Department of Insurance; Official insurance complaint intake and consumer phone. Accessed 2026-09-28. [^7]: [Agent Lookup](https://idoi.illinois.gov/companies/agent-lookup.html) — Illinois Department of Insurance; Department page explains use of Illinois SBS Lookup for agents, brokers, and business entities; Department home provides company license lookup. Accessed 2026-09-28. [^8]: [Calculating & Remitting Taxes: Surplus Line Tax](https://www.slai.org/docs/surplus-line-filing-taxes/remitting-taxes-surplus-line-tax/) — Surplus Line Association of Illinois; Current surplus-line tax applicability and rate. Accessed 2026-09-28. [^9]: [215 ILCS 5/445: Surplus line](https://www.ilga.gov/Documents/legislation/ilcs/documents/021500050K445.htm) — Illinois General Assembly; Subsections (3)(a), (12): tax and code applicability. Accessed 2026-09-28. [^10]: [215 ILCS 5: Illinois Insurance Guaranty Fund](https://www.ilga.gov/legislation/ILCS/details?ActID=1249&ActName=Illinois+Insurance+Code.&ChapAct=215+ILCS+5%2F&Chapter=INSURANCE&ChapterID=22&MajorTopic=REGULATION&Print=True&SeqEnd=165100000&SeqStart=159400000) — Illinois General Assembly; Article XXXIV: cap, net-worth exclusions, exceptions, and non-admitted insurer exclusion. Accessed 2026-09-28. [^11]: [Illinois FAIR Plan Association](https://www.illinoisfairplan.com/) — Illinois FAIR Plan Association; Plan overview and current eligibility information. Accessed 2026-09-28. [^12]: [Stamping Fees: Fee Calculation](https://www.slai.org/docs/surplus-line-filing-taxes/remitting-stamping-fees-fee-calculation/) — Surplus Line Association of Illinois; Current stamping fee 0.04% of premium for policies effective January 1, 2023 or later; may be passed to insured. Accessed 2026-09-28. [^13]: [50 Ill. Adm. Code § 2701.130: Taxes](https://www.ilga.gov/agencies/JCAR/EntirePart?titlepart=05002701) — Illinois Joint Committee on Administrative Rules; Surplus line producer pays 1% fire marshal tax on gross premiums less returned premiums for insurance subject to the Fire Investigation Act. Accessed 2026-09-28. [^14]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^15]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^16]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^17]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^18]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^19]: [About Risklytics](https://www.risklytics.ai/about/) — Risklytics; What we do; Who we insure; Licensing; Agency licenses table dated 2026-09-10. Accessed 2026-09-16. [^20]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^21]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). To suggest a correction, [contact Spot](/contact) with a supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/coverage/liquor-liability/illinois.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)