--- title: "Product Recall Insurance in Illinois" description: "Review Illinois food-hold cost rules and the 2012 text distinguishing condemned stock from specified unsafe perishables." canonical: "https://spot.insure/coverage/product-recall/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/product-recall/illinois) # Product Recall Insurance in Illinois The Illinois General Assembly’s 2012 Public Act amending 410 ILCS 620/6 says tagged articles cannot be sold, removed, or disposed of without an agent’s or court’s permission; after court condemnation, the claimant pays destruction, court, storage, and other proper expenses. The same enacted text separately directs the Director or authorized agent to condemn, destroy, or render unusable specified unsafe perishable food without making that action depend on the §6(c) court judgment; later consolidated-text currency could not be verified in this retrieval.[^1][^2] **Coverage:** [Product recall](/coverage/product-recall) · [Illinois](/coverage/states/illinois) ## What Is Product Recall? Product recall insurance can pay specified costs to locate and withdraw a product after a covered problem. It fits businesses that could face recall logistics; product liability does not automatically pay those costs, so compare the trigger and covered expenses. [Read the national Product recall guide](/coverage/product-recall). ## What to Watch for in Illinois ### Hold Tagged Inventory Section 6(a) in Public Act 97-872 says an agent must tag articles believed adulterated or dangerously misbranded and that they cannot be sold, removed, or disposed of until the agent or court permits it. Ask who will segregate and inventory tagged stock while that permission is pending; the enacted text does not determine insurance coverage.[^1] ### Compare Condemnation Cost Treatment The 2012 enacted §6(c) text assigns claimant costs after a court finds an article adulterated or misbranded, and allows court-authorized labeling or processing only after costs are paid and a sufficient bond is posted. Separate subsection (d) directs the Director or agent to condemn, destroy, or otherwise make specified unsafe perishable foods unusable as human food. Do not assume every embargoed item follows the immediate-disposal route; compare both scenarios with the proposed expense wording.[^1] ### Map Each Product To Its Regulator IDPH says wholesale processing plants and food storage facilities need its permit and inspection; food sold directly to consumers is retail under local health departments, interstate products also involve FDA jurisdiction, and meat or poultry may be regulated by IDOA and USDA. Give the broker your product mix, facilities, and sales routes so those exposures are not collapsed into one generic description.[^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.[^3][^5][^4] - [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.[^7][^6][^10][^11][^8] [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.[^8] **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.[^9] ## Providers With Documented State Licenses No provider in Spot’s research documents both a state license record and this coverage line. This does not establish that providers are unlicensed. [Check the regulator’s license lookup](https://idoi.illinois.gov/companies/agent-lookup.html) and confirm availability with a provider when requesting a quote. ## Questions to Ask Before You Buy in Illinois 1. Does my application list each food processing plant, warehouse, retail location, and direct-to-consumer channel in Illinois? 2. Are inventory storage, court expenses, approved relabeling, destruction, and waste-hauler costs treated separately in the policy? 3. Who approves a recall consultant or disposal vendor, and must I obtain insurer consent before spending? 4. How does the policy treat a withdrawal coordinated by local health officials when the product is also sold interstate? ## Product Recall in Illinois: FAQ ### Can I dispose of Illinois food that has been embargoed? No. The 2012 Public Act text for §6(a) says removal or disposal requires the authorized agent’s or court’s permission. Its §6(c) cost allocation follows a court finding; the statute’s separate §6(d) route is limited to specified unsafe perishable articles. The current consolidated text could not be verified in this retrieval.[^1] ### Does Illinois IDPH regulate every food business? No. IDPH describes its permit and inspection role for wholesale processing plants and food-storage facilities; direct-to-consumer sales are retail under local health departments, while interstate and meat or poultry products can involve other regulators.[^2] ### Can Illinois officials destroy all food held under an embargo? No. The enacted 2012 §6(d) text addresses meat, seafood, poultry, vegetables, fruit, and other perishable articles with specified filthy, decomposed, putrid, poisonous, deleterious, or otherwise unsafe conditions. That subsection is separate from §6(c)’s court-condemnation costs; current consolidated-text status remains unverified here.[^1] ## Product Recall in Other States - [Alabama](/coverage/product-recall/alabama) - [Alaska](/coverage/product-recall/alaska) - [Arizona](/coverage/product-recall/arizona) - [Arkansas](/coverage/product-recall/arkansas) - [California](/coverage/product-recall/california) - [Colorado](/coverage/product-recall/colorado) - [Connecticut](/coverage/product-recall/connecticut) - [Delaware](/coverage/product-recall/delaware) - [District of Columbia](/coverage/product-recall/district-of-columbia) - [Florida](/coverage/product-recall/florida) - [Georgia](/coverage/product-recall/georgia) - [Hawaii](/coverage/product-recall/hawaii) - [Idaho](/coverage/product-recall/idaho) - [Indiana](/coverage/product-recall/indiana) - [Iowa](/coverage/product-recall/iowa) - [Kansas](/coverage/product-recall/kansas) - [Kentucky](/coverage/product-recall/kentucky) - [Louisiana](/coverage/product-recall/louisiana) - [Maine](/coverage/product-recall/maine) - [Maryland](/coverage/product-recall/maryland) - [Massachusetts](/coverage/product-recall/massachusetts) - [Michigan](/coverage/product-recall/michigan) - [Minnesota](/coverage/product-recall/minnesota) - [Mississippi](/coverage/product-recall/mississippi) - [Missouri](/coverage/product-recall/missouri) - [Montana](/coverage/product-recall/montana) - [Nebraska](/coverage/product-recall/nebraska) - [Nevada](/coverage/product-recall/nevada) - [New Hampshire](/coverage/product-recall/new-hampshire) [Other Coverage in Illinois](/coverage/states/illinois) ## Sources [^1]: [Public Act 97-0872, §5 (amending 410 ILCS 620/6)](https://www.ilga.gov/documents/legislation/publicacts/97/PDF/097-0872.pdf) — Illinois General Assembly; §6(a)–(d) enacted text: embargo permission, court-condemnation expense/correction, and specified perishable-food disposition; effective July 31, 2012. Current consolidated ILCS page was not directly retrievable in this check.. Accessed 2026-09-28. [^2]: [Manufactured Food](https://dph.illinois.gov/topics-services/food-safety/manufactured-food.html) — Illinois Department of Public Health; Permit and Inspection Requirements; Other Public Health Partners in Food Safety; Laws & Rules. Accessed 2026-09-28. [^3]: [Illinois Department of Insurance](https://idoi.illinois.gov/) — Illinois Department of Insurance; Official agency homepage and agency information. Accessed 2026-09-28. [^4]: [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. [^5]: [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. [^6]: [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. [^7]: [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. [^8]: [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. [^9]: [Illinois FAIR Plan Association](https://www.illinoisfairplan.com/) — Illinois FAIR Plan Association; Plan overview and current eligibility information. Accessed 2026-09-28. [^10]: [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. [^11]: [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. [^12]: [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. [^13]: [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. [^14]: [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. [^15]: [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. [^16]: [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. [^17]: [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. [^18]: [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. [^19]: [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/product-recall/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)