Does an Illinois Insurance Producer Owe a Legal Duty to an Additional Insured on a Policy It Procured? It Certainly Shouldn’t, and Here’s Why

Does an Illinois insurance producer have a legal duty to an additional insured on a policy? This matter is crucial as general contractors seek coverage through subcontractors’ policies. However, Illinois law indicates otherwise. The Illinois Code of Civil Procedure states that a producer’s duty arises only after a specific request from the insured. Without such a request, producers may not be liable to additional insureds. Understand the duty of care shaped by the insured’s request.