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Don’t Let an Expired Producer License Cancel Your
Surplus Line License
As the year winds down, it’s a good time to make sure your licenses — and your peace of mind — are in order. One of the most common issues we see is the unintentional lapse of a member’s Producer license, which can have immediate consequences for a member’s Surplus Line (SL) license.
Under Illinois law, a valid Producer license is required in order to hold a valid Surplus Line license. If the Producer license expires or is not renewed on time, the Surplus Line license automatically cancels. This means the licensee loses their authority to transact surplus line business until both licenses are renewed.
Here’s what this means for you:
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If your Producer license expires, your Surplus Line license is canceled automatically.
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To continue business, you’ll need to renew both licenses, which can delay operations.
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Staying proactive about your renewal dates ensures uninterrupted authority to write surplus lines.
We encourage members to review their renewal schedules and confirm that both licenses are current and in good standing. This simple step helps avoid unnecessary administrative delays and ensures compliance with Illinois Department of Insurance requirements.
Helpful Resources:
Check Your License Status on NIPR
Renewal Information – Illinois Department of Insurance
SLAI Compliance Overview |
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Statutory Update:
Public Act 104-0091 — Effective January 1, 2026 |
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On January 1, 2026, Public Act 104-0091 (SB 1289) will take effect, revising Section 445 of the Illinois Insurance Code. The bill makes changes that simplify the definition of “home state” in the case of multiple unaffiliated insureds on a surplus line policy.
While much of Section 445 remains the same, this amendment continues the state’s ongoing effort to establish best practices and modernize Illinois law.
As we approach year-end, SLAI encourages all producers to: |
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Review both their producer and surplus line license renewal dates.
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Confirm compliance with all requirements under Section 445.
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Stay informed about the “home state” definition ahead of the 2026 effective date.
You can view the full text of the enrolled legislation here: Public Act 104-0091 (SB 1289)
SLAI will continue monitoring regulatory updates and share additional guidance as necessary. |
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⇒ December 8-11 |
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NAIC 2025 Fall National Meeting Hybrid Format |
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⇒ January 1st |
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Updates to Public Act 104-0091 take effect |
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⇒ First week of January 2026 |
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SL & FM Tax Statements Sent to Licensees by SLAI |
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⇒ February 1st |
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SL & FM Tax Statements, and Tax Payments, are Due at the Dept of Insurance |
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Member Tools for Filing & Tax Compliance |
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Your go-to SLAI resources for accurate filings, on-time tax submissions and
easy corrections — all in one place. |
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Use this page to understand reporting requirements and avoid common errors. |
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Quickly locate the correct code each time. Bookmark this page for easy reference. |
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Estimate your surplus line taxes instantly using our Tax Calculator before finalizing your filing |
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Follow our Correction Guide for step-by-step help with updates or corrections. |
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Use this page to confirm deadlines, reporting periods and what to include when submitting to the DOI. |
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Staying Connected |
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Industry engagement is at the core of what we do. Our team values every opportunity to connect, exchange ideas and stay informed on the trends shaping the future of surplus lines in Illinois and beyond.
We're committed to keeping our members informed and connected. Follow us on Linkedin, Instagram and Facebook for updates, insights and a closer look to where we'll be next. |
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