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Take the Risk Management Quiz

1. If you were named in a lawsuit today, who would lead your response and protect your interests?
My agent
My attorney
I'd be figuring it out alone
I need someone like JL RISK who's done this before
2. When was the last time someone reviewed your policies side-by-side with your actual operations?
Within the past year
1-2 years ago
More than 2 years ago
I don't think anyone ever has
3. Do your subcontractor or vendor agreements actually protect you—or just sound official?
We have reviewed agreements with hold-harmless and indemnity language
We use templates but haven’t had them reviewed
We don’t have anything in writing
I didn’t know that mattered
4. Have you ever had an agent walk you through your top three most likely claims scenarios—and how you'd actually respond?
Yes
No
I wish they would
That's exactly what need
5. Do you rely on your agent to update your policies when your business changes—or do you review it yourself?
My agent proactively checks in
I try to keep up with changes
We react when something happens
I’d rather have someone like JL Risk managing that
6. If a serious claim was denied by your carrier, what would you do first?
Call JL Risk to dispute and escalate
Call the adjuster and hope for clarification
Hire a lawyer
Panic and figure it out later
7. Do you have a written plan for what to do in the first hour after a serious claim?
Yes – it’s documented and trained
A rough idea, but nothing written
Not really
I didn’t know I needed one
8. Do you fully understand what your General Liability policy excludes?
Yes – I’ve reviewed it thoroughly and know where the gaps are
Somewhat – I’ve skimmed it, but not in depth
No – I just assume I’m covered
I didn’t realize exclusions could be an issue
9. If your tools, equipment, or materials were stolen or destroyed overnight, how confident are you they'd be covered?
Very confident – I’ve confirmed coverage for that
Somewhat confident – I think it’s included
Not confident – I’m unsure
I never thought about that before
10. Who is ultimately responsible for protecting your business from avoidable risk?
I have a dedicated risk manager (in-house or JL Risk)
My agent does what they can
I try to stay on top of it when I can
Honestly, no one really owns it right now
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Terms and Conditions

Frequently Asked Questions

  • JL Risk is a commercial insurance agency with a specialized focus on proactive risk management and strategic consulting. What sets us apart is our deep background in claims—over 25 years of direct, real-world experience—which informs everything we do. We help businesses and organizations reduce exposure, improve coverage design, and manage risk holistically. Through partnerships with risk managers, insurance agencies, and carriers, we deliver smart, forward-thinking solutions that go well beyond policy placement.

  • JL Risk offers a comprehensive suite of services including:

    • Commercial Insurance Placement: Full-service agency offerings for businesses of all sizes, including tailored property, casualty, liability, and specialty coverage.

    • Risk Management Consulting: We help clients build stronger internal protocols to reduce loss frequency and severity—especially in high-exposure industries like transportation, construction, and logistics.

    • Claims Oversight & Consulting: As an added layer of support, we provide expert-level guidance on claims handling strategy, complex file reviews, reserve practices, and litigation management.

    • Claims Handling Services: For carriers, MGAs, and self-insured entities, we offer outsourced claims services through selective third-party administration.

  • Most agencies learn insurance from the top down—policy manuals, coverage comparisons, and sales training. At JL Risk, we came up through the claims side. That experience allows us to build insurance programs and risk protocols backward from the outcome, with a clear understanding of how things can go wrong. Our clients benefit from insurance and risk strategies shaped by decades of real-world claims outcomes—not assumptions.

  • We are first and foremost a licensed insurance agency focused on placing quality commercial coverage and helping businesses manage risk effectively. Claims support is one of the services we offer—not our core business. Our claims background simply gives us an edge when it comes to building smarter risk strategies and supporting our clients when claims happen.

  • Both. JL Risk supports:

    • Business clients needing commercial insurance and risk strategy

    • Risk managers looking to augment their program with expert insights

    • Insurance agencies needing white-labeled claims consulting or back-end claims support

    • Carriers seeking claims handling or audit support through limited third-party administration

  • Yes—but not by cutting corners. We reduce total cost of risk by identifying gaps in your coverage, refining protocols, improving defensibility in claims, and recommending strategic policy adjustments. We also help you avoid losses that would otherwise drive up your premiums or experience mod.

  • Yes. JL Risk serves clients across the U.S. Our risk consulting and agency services are designed to support companies in multiple states, and our virtual infrastructure allows us to scale support easily.

  • Reach out via our website, give us a call, or schedule a consultation. Whether you’re looking for a strategic insurance partner, want to strengthen your risk management program, or need claims expertise to resolve complex matters—we’re ready to help.

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