Insurance Agency Licensed in Illinois
Always Faithful Insurance Agency is licensed in Illinois (Lic. #21686200, NPN #21686200). We are an independent, veteran-owned property and casualty agency based in Temecula, California, licensed in 21 states, and we work with Illinois clients by phone, email and fillable, signable applications, so nothing requires an office visit. Call 650-489-2592.
Coverage we write for Illinois clients
- Personal auto insurance: every driver and vehicle in the household, including teen drivers, tickets and lapses.
- Homeowners, condo, renters and landlord insurance.
- Commercial auto and fleet insurance, including hired and non-owned auto.
- Contractor general liability, workers' compensation and tools and equipment.
- Contractor license and surety bonds, plus umbrella and excess liability.
Illinois auto insurance requirements
25/50/20 ($25,000 bodily injury per person, $50,000 per accident, $20,000 property damage). Uninsured motorist bodily injury is mandatory at 25/50; PIP is not required (Illinois is an at-fault state). No change to these minimums in 2023-2026.
State minimums are a legal floor, not a recommendation. One serious accident can exceed them, so we quote higher limits side by side.
Workers' compensation in Illinois
Nearly all Illinois employers with one or more employees, including part-time workers, must carry workers' compensation; exemptions are narrow (for example, certain small agricultural operations).
Applying? Download our Workers' Comp Supplemental Application.
Contractors in Illinois
Illinois has no statewide general contractor license; general contractors are licensed or registered locally (e.g., City of Chicago). Roofing contractors are licensed statewide by IDFPR and must post a $10,000 bond (limited license) or $25,000 bond (unlimited license).
We write general liability, workers' comp, commercial auto and equipment coverage, issue certificates and additional insured endorsements, and place license and contract bonds. Start with the Contractor General Liability Supplemental.
Homeowners insurance in Illinois
Homeowners who cannot get coverage in the voluntary market can apply to the Illinois FAIR Plan Association, the state's residual property insurance plan.
Use the Homeowners Application or, for rentals, the Landlord / Rental Property Application.
How it works from Illinois
- Download the application for your coverage from our insurance forms page, or call 650-489-2592.
- Fill it out and sign it on your computer, tablet or phone, then email it back.
- We shop it with carriers that write in your state and send you the options side by side.
State requirements summarized from official Illinois sources as of October 2026. Requirements change; we confirm current rules for your situation before you buy.