All causes of action brought by any person or entity under any statute or any legal or equitable theory against an insurance producer, registered firm, or limited insurance representative concerning the sale, placement, procurement, renewal, cancellation of, or failure to procure any policy of insurance shall be brought within 2 years of the date the cause of action accrues.
13-214.4.Actions against insurance producers, limited insurance representatives, and registered firms.
Article XIII. Limitations · Part 2. Personal Actions · Last amended 1996 · Last verified July 20, 2026
In one sentenceSets a 2-year deadline for suing an insurance producer, registered firm, or limited insurance representative over the sale, placement, procurement, renewal, or cancellation of an insurance policy, or a failure to procure one.
Full Text of 735 ILCS 5/13-214.4
Plain-English Summary
This section covers claims against people and firms who sell or handle insurance. Any cause of action brought by a person or entity, under any statute or any legal or equitable theory, against an insurance producer, registered firm, or limited insurance representative, concerning the sale, placement, procurement, renewal, or cancellation of a policy of insurance, or a failure to procure one, must be brought within 2 years of the date the cause of action accrues.
Because the 2-year period is tied to accrual rather than discovery, this claim runs on a single fixed clock, without the separate discovery-based and repose-based tracks that some other professional-liability sections in this Part use.
Frequently Asked Questions
What is the deadline to sue an insurance agent in Illinois?
2 years from the date the cause of action accrues.
What kinds of claims does this 2-year deadline cover?
Claims concerning the sale, placement, procurement, renewal, or cancellation of an insurance policy, or a failure to procure one.
Does this section apply only to individual insurance agents?
No. It reaches an insurance producer, a registered firm, or a limited insurance representative.
Does this section use a discovery rule like the medical malpractice or accountant sections?
No. The 2-year period runs from the date the cause of action accrues, without a separate discovery-based trigger.
Can any type of legal claim against an insurance producer trigger this deadline?
Yes. The section applies to a cause of action under any statute or any legal or equitable theory concerning the covered conduct.
Amendment History
(Source: P.A. 89-152, eff. 1-1-96.)
Source & verification. Section text and amendment history are
reproduced verbatim from the Illinois Compiled Statutes, published by the
Illinois Compiled Statutes, Illinois General Assembly / Legislative Reference Bureau. Last verified July 20, 2026.
· Official source
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