FAQ

1. What types of insurance does JRP Insurance Agency offer?

We provide Auto Insurance, Homeowners Insurance, Renters Insurance, General Liability, Workers’ Compensation, Commercial Auto, Lessors Risk (landlord) policies, Builders Risk, Vacant Homes and other business insurance solutions for individuals and businesses across Illinois. 

2. Why should I work with JRP Insurance Agency instead of buying online?

At the JRP Insurance agency, we work with multiple carriers to shop for the best rate to find the right protection for your specific needs. Online quotes often focus on price alone — we focus on coverage, risk exposure, and long-term protection.

3. How do I know if I have enough coverage?

The cheapest policy is rarely the safest option. We review your risks, contracts, assets, and liability exposure to make sure your coverage limits properly protect you in the event of a claim.

4. Is insurance in Illinois required by law?

Yes. Illinois requires minimum liability coverage for drivers. Businesses may also be required to carry Workers’ Compensation insurance. However, minimum coverage often does not provide sufficient protection in serious accidents. 

1. What is the minimum auto insurance required in Illinois?

Illinois requires liability coverage, but minimum limits may not fully protect you if damages exceed those amounts. We recommend reviewing higher limits and uninsured/underinsured motorist coverage.

2. What happens if I’m hit by an uninsured driver?

Approximately 1 in 7 drivers in the U.S. are uninsured. Without proper uninsured motorist coverage, you could be responsible for medical bills and damages. This coverage is critical in the Chicago area.

3. Does my insurance rate depend on where I live in Chicago?

Yes. Location, traffic density, claim frequency, and theft rates all impact premiums. Urban areas typically have higher rates than suburban areas.

1. Does homeowners insurance cover water damage?

It depends on the cause. Sudden and accidental water damage is typically covered. Flood damage is not covered under standard homeowners policies and requires separate flood insurance.

2. Do I need renters insurance in Chicago?

Yes. Renters insurance protects your personal belongings and provides liability coverage. Many landlords require it, and it’s one of the most affordable forms of protection available.

1. What is General Liability Insurance?

General Liability insurance helps cover bodily injury, property damage, and legal expenses arising from your business operations. Many property owners and general contractors require proof of this coverage before work begins.

2. Why do contractors in Chicago need General Liability coverage?

Accidents happen, even during routine work. Without proper liability coverage, medical bills, legal fees, and settlements can fall directly on the business owner.

3. What is Workers’ Compensation Insurance and is it required?

Illinois law requires most businesses with employees to carry Workers’ Compensation insurance. It covers medical expenses and lost wages if an employee is injured on the job.

4. What is a Certificate of Insurance (COI)?

A Certificate of Insurance is a document that proves your business carries active insurance coverage. Many clients and property managers require it before allowing work to begin.

1. What should I do if I need to file a claim?

Contact our office immediately. We will guide you through the claims process, help you gather the necessary documentation, and advocate on your behalf with the insurance carrier.

2. How can I lower my insurance premiums?

Options may include bundling policies, increasing deductibles, improving safety measures, maintaining a clean driving record, and reviewing coverage annually to eliminate unnecessary risks.

3. How often should I review my insurance policies?

We recommend reviewing your coverage at least once per year or anytime your business grows, you purchase property, hire employees, or experience major life changes.

1. What makes JRP Insurance Agency different?

We focus on protection, not just price. Our approach is consultative; we assess your risks, explain coverage clearly, and ensure your policy meets both legal requirements and real-world exposure.

2. Do you only serve Chicago?

While we are based in the Chicago area, we serve clients throughout Illinois.