On August 1, 2025, Governor JB Pritzker approved Senate Bill No. 1289, amending the definition of “home state” as it relates to more than one unaffiliated insured from a group and named as insureds on a single surplus lines insurance contract. Prior to the enactment of the bill, if more than one insured from a group that is not affiliated were named insureds on a single surplus lines insurance policy, and if individual group members paid 100% of the premium for the insurance from their own funds, each individual group member’s coverage under the surplus lines insurance policy were treated as a separate surplus lines contract. The bill repeals this distinct “home state” definition for unaffiliated groups and retains language that defines such term pursuant to subsection (A) of the definition of “home state” under 215 Ill. Comp. Stat. 5/445. By repealing this distinct definition for unaffiliated groups, the bill aligns Illinois’ “home state” definition more closely with how such term is defined under the Nonadmitted and Reinsurance Reform Act.
