P&CIllinoismedium
Under 215 ILCS 5/123B, an out-of-state risk retention group seeking to operate in Illinois must register with the Director and may write only:
APersonal automobile and homeowners insurance
Liability insurance for its members
CWorkers' compensation insurance for Illinois employers
DLife and annuity products for its members
Why this is the answer
Section 123B of the Illinois Insurance Code implements the federal Liability Risk Retention Act (LRRA). A risk retention group (RRG) is chartered as a liability insurer in one state and may operate in other states with reduced regulatory burdens, but it is statutorily limited to liability coverage for its members — typically commercial or professional liability risks. RRGs cannot write personal lines, property, workers' compensation, or life. Foreign-chartered RRGs operating in Illinois must register with IDOI but rely primarily on home-state regulation.
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