Terms and Conditions
By submitting this form, you acknowledge and agree to the following:
1.) JL Risk is acting as a claims advocate on behalf of In-House Risk Management, and its services are provided under that relationship. JL Risk is not functioning as a public adjuster.
2.) You authorize JL Risk and its representatives to receive and access policy documents, personal contact information, and claim-related materials relevant to the handling of your claim.
3.) You understand JL Risk is not the insurance carrier nor responsible for claim payments.
4.) All shared data is handled confidentially and only used for the purpose of claim assistance and communication between you and the insurance provider.
5.) Submission of this form does not guarantee claim approval or any specific outcome. JL Risk will assist in facilitating communication and documentation as needed.
6.) If submitted on behalf of In-House Risk Management, JL Risk acts as an independent contractor agent working under their authority.
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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:
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Commercial Insurance Placement: Full-service agency offerings for businesses of all sizes, including tailored property, casualty, liability, and specialty coverage.
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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.
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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.
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Claims Handling Services: For carriers, MGAs, and self-insured entities, we offer outsourced claims services through selective third-party administration.
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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:
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Business clients needing commercial insurance and risk strategy
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Risk managers looking to augment their program with expert insights
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Insurance agencies needing white-labeled claims consulting or back-end claims support
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Carriers seeking claims handling or audit support through limited third-party administration
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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.