--- title: "Professional Liability (E&O) Insurance in Illinois" description: "Understand the Illinois E&O rule for community-association managers, certificate timing, and the recent effective-date change." canonical: "https://spot.insure/coverage/professional-errors-omissions/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/professional-errors-omissions/illinois) # Professional Liability (E&O) Insurance in Illinois Illinois requires a designated community-association manager or management firm to obtain general-liability and E&O coverage for claims against the manager or firm; the Department determines the appropriate coverage. The amended rule took effect July 31, 2026, and associations can request current certificates, which must be provided within ten days.[^1][^2] **Coverage:** [Professional errors and omissions (E&O)](/coverage/professional-errors-omissions) · [Illinois](/coverage/states/illinois) ## What Is Professional Errors And Omissions (E&O)? Professional liability can help pay defense costs and covered losses when a client says your advice or service caused financial harm. If customers rely on your work, list every service you provide and check the claims-made reporting and prior-work terms. [Read the national Professional errors and omissions (E&O) guide](/coverage/professional-errors-omissions). ## Illinois Requirements | Requirement | Details | | --- | --- | | Community-association manager or firm E&O | Required; coverage appropriate to claims against the manager, designated manager, or firm as determined by the Department[^1][^2] | ## What to Watch for in Illinois ### No Numeric Limit in the Statute The Illinois provision requires appropriate E&O for claims against the manager, designated manager, or firm, as determined by the Department; it states no dollar minimum. Ask for the applicable department rule and compare the issued limit with each association contract.[^1] ### Certificate Due on Request A manager or firm must provide the association a current certificate of general-liability and E&O insurance within ten days after the association requests it. Put a certificate request and renewal reminder in the association's vendor review calendar.[^1][^2] ### Funds Handling Is a Separate Exposure The same section prevents a designated manager or firm from disbursing association funds unless specified fidelity or crime insurance protects funds under its custody or control. Confirm the E&O quote is not being treated as a substitute for that separate funds-protection coverage.[^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 These providers publish a national listing for Professional errors and omissions (E&O); 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. - [At-Bay](/insurance-providers/at-bay) — **Entity:** At-Bay Insurance Services LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** At-Bay’s license page lists P&C producer and surplus-lines broker license numbers for all 50 states and the District of Columbia. These are company disclosures and do not establish product availability in each jurisdiction.[^12] - [Coalition](/insurance-providers/coalition) — **Entity:** Coalition Insurance Solutions, Inc.; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Coalition’s license page lists producer and surplus-lines licenses for Coalition Insurance Solutions, Inc. in all 50 states and the District of Columbia. The page separately lists insurers; this record covers the brokerage entity only.[^13] - [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.[^14] - [ERGO NEXT Insurance](/insurance-providers/next-insurance) — **Entity:** Next First Insurance Agency, Inc.; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** ERGO NEXT’s current license table lists Next First Insurance Agency, Inc. in 50 jurisdictions, including Washington, DC; New York is excluded because its table rows name Next Insurance Services and AP Intego, not Next First. The table is company-reported; it does not establish product availability or provide state-regulator verification for each entry.[^16] - [Hiscox](/insurance-providers/hiscox) — **Entity:** Hiscox Insurance Company Inc.; **role:** Insurer; **checked:** 2026-09-28. **Scope:** Hiscox’s U.S. company information states that Hiscox Insurance Company Inc. is licensed in all 50 states and the District of Columbia. This is company-reported insurer authority for this entity and does not establish which company issues every Hiscox-branded product.[^15] - [TechInsurance](/insurance-providers/techinsurance) — **Entity:** Specialty Program Group LLC; **role:** Insurance producer; **checked:** 2026-09-28. **Scope:** TechInsurance’s current licensing page names Specialty Program Group LLC / SPG Insurance Solutions and lists state license numbers, but labels Rhode Island “Individual licenses” rather than identifying a license for the named agency. RI is omitted because this disclosure does not establish agency authority there; this is a search limitation, not an assertion that the company is unlicensed. The remaining state entries are company-reported and are not an insurance product availability map.[^18] - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^19] ## Questions to Ask Before You Buy in Illinois 1. What Department rule sets appropriate E&O limits for our management firm's services, and how does the quote meet it? 2. Can you deliver current GL and E&O certificates to each association within ten days of a written request? 3. Does our policy schedule association management, while separate fidelity or crime coverage protects funds we handle? ## Professional Errors And Omissions (E&O) in Illinois: FAQ ### Do Illinois community-association managers need E&O insurance? Yes. A designated manager or management firm must obtain Department-determined E&O coverage for claims against the manager, designated manager, or firm. The statute does not state a numeric minimum.[^1] ### How quickly must an Illinois association manager provide an E&O certificate? Within ten days after the community association requests a current certificate of general-liability and E&O insurance.[^1][^2] ## Professional Errors And Omissions (E&O) in Other States - [Alabama](/coverage/professional-errors-omissions/alabama) - [Alaska](/coverage/professional-errors-omissions/alaska) - [Arizona](/coverage/professional-errors-omissions/arizona) - [Arkansas](/coverage/professional-errors-omissions/arkansas) - [California](/coverage/professional-errors-omissions/california) - [Colorado](/coverage/professional-errors-omissions/colorado) - [Connecticut](/coverage/professional-errors-omissions/connecticut) - [Delaware](/coverage/professional-errors-omissions/delaware) - [District of Columbia](/coverage/professional-errors-omissions/district-of-columbia) - [Florida](/coverage/professional-errors-omissions/florida) - [Georgia](/coverage/professional-errors-omissions/georgia) - [Hawaii](/coverage/professional-errors-omissions/hawaii) - [Idaho](/coverage/professional-errors-omissions/idaho) - [Indiana](/coverage/professional-errors-omissions/indiana) - [Iowa](/coverage/professional-errors-omissions/iowa) - [Kansas](/coverage/professional-errors-omissions/kansas) - [Kentucky](/coverage/professional-errors-omissions/kentucky) - [Louisiana](/coverage/professional-errors-omissions/louisiana) - [Maine](/coverage/professional-errors-omissions/maine) - [Maryland](/coverage/professional-errors-omissions/maryland) - [Massachusetts](/coverage/professional-errors-omissions/massachusetts) - [Michigan](/coverage/professional-errors-omissions/michigan) - [Minnesota](/coverage/professional-errors-omissions/minnesota) - [Mississippi](/coverage/professional-errors-omissions/mississippi) - [Missouri](/coverage/professional-errors-omissions/missouri) - [Montana](/coverage/professional-errors-omissions/montana) - [Nebraska](/coverage/professional-errors-omissions/nebraska) - [Nevada](/coverage/professional-errors-omissions/nevada) - [New Hampshire](/coverage/professional-errors-omissions/new-hampshire) - [New Jersey](/coverage/professional-errors-omissions/new-jersey) - [New Mexico](/coverage/professional-errors-omissions/new-mexico) - [New York](/coverage/professional-errors-omissions/new-york) - [North Carolina](/coverage/professional-errors-omissions/north-carolina) - [North Dakota](/coverage/professional-errors-omissions/north-dakota) - [Ohio](/coverage/professional-errors-omissions/ohio) - [Oklahoma](/coverage/professional-errors-omissions/oklahoma) - [Oregon](/coverage/professional-errors-omissions/oregon) - [Pennsylvania](/coverage/professional-errors-omissions/pennsylvania) - [Rhode Island](/coverage/professional-errors-omissions/rhode-island) - [South Carolina](/coverage/professional-errors-omissions/south-carolina) - [South Dakota](/coverage/professional-errors-omissions/south-dakota) - [Tennessee](/coverage/professional-errors-omissions/tennessee) - [Texas](/coverage/professional-errors-omissions/texas) - [Utah](/coverage/professional-errors-omissions/utah) - [Vermont](/coverage/professional-errors-omissions/vermont) - [Virginia](/coverage/professional-errors-omissions/virginia) - [Washington](/coverage/professional-errors-omissions/washington) - [West Virginia](/coverage/professional-errors-omissions/west-virginia) - [Wisconsin](/coverage/professional-errors-omissions/wisconsin) - [Wyoming](/coverage/professional-errors-omissions/wyoming) [Other Coverage in Illinois](/coverage/states/illinois) ## Sources [^1]: [225 ILCS 427/55, Insurance; Segregation of Accounts; Records](https://ilga.gov/legislation/ilcs/fulltext?DocName=022504270K55) — Illinois General Assembly; Subsection (c); source note P.A. 104-746 effective July 31, 2026. Accessed 2026-09-28. [^2]: [225 ILCS 427/15, License Required](https://ilga.gov/legislation/ilcs/fulltext?DocName=022504270K15) — Illinois General Assembly; License requirement for community association management services, current source note. 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). 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