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502 4257903 312 8610385 800 9724480 Illinois FAIR Plan Association Latest Announcements Commercial Insurance Update As a residual market mechanism the Illinois FAIR Plan strives to provide basic property insurance to qualified applicants who are unable to obtain insurance through the standard market. The IFPA balances the level of risks we insure with rate that is adequate for the diminished pool size that we serve. As such we do not offer liability coverage nor do we offer coinsurance on underinsured commercial policies. Coverage is available up to 1000000 with limited perils and actual cash value settlements.