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90_SB0124enr
215 ILCS 5/155.31 new
Amends the Illinois Insurance Code. Provides that a
company may not cancel or refuse to issue or renew a policy
of homeowners or renters insurance because the insured
premises are operated as a day care home or group day care
home. Provides that losses arising out of or in connection
with day care provided in a day care home or group day care
home may not be covered under a homeowners or renters
insurance policy. Requires a separate policy or endorsement
for which premiums are assessed and paid for coverage for
those losses.
LRB9001109JSgc
SB124 Enrolled LRB9001109JSgc
1 AN ACT to amend the Illinois Insurance Code by adding
2 Sections 155.31 and 155.32.
3 Be it enacted by the People of the State of Illinois,
4 represented in the General Assembly:
5 Section 5. The Illinois Insurance Code is amended by
6 adding Sections 155.31 and 155.32 as follows:
7 (215 ILCS 5/155.31 new)
8 Sec. 155.31. Day care and group day care homes;
9 coverage.
10 (a) No insurer providing insurance coverage, as defined
11 in subsection (b) of Section 143.13 of this Code, shall
12 nonrenew or cancel an insurance policy on a day care home or
13 group day care home, as defined in the Child Care Act of
14 1969, solely on the basis that the insured operates a duly
15 licensed day care home or group day care home on the insured
16 premises.
17 (b) An insurer providing such insurance coverage to a
18 licensed day care home or licensed group day care home may
19 provide such coverage with a separate policy or endorsement
20 to a policy of fire and extended coverage insurance, as
21 defined in subsection (b) of Section 143.13.
22 (c) Notwithstanding subsections (a) and (b) of this
23 Section, the insurer providing such coverage shall be allowed
24 to cancel or nonrenew an insurance policy on a day care home
25 or group day care home based upon the authority provided
26 under Sections 143.21 and 143.21.1 of this Code.
27 (215 ILCS 5/155.32 new)
28 Sec. 155.32. Policy explanations; language other than
29 English. An insurance carrier licensed to provide insurance
30 as defined in subsections (a) and (b) of Section 143.13 of
SB124 Enrolled -2- LRB9001109JSgc
1 this Code may provide insurance policies, endorsements,
2 riders, and any explanatory or advertising material in a
3 language other than English. In the event of a dispute or
4 complaint regarding the insurance or advertising material,
5 the English language version of the insurance coverage shall
6 control the resolution of the dispute or complaint.