Agents, Brokers and Account Support Staff

• Know which endorsements you should request for your customers to assure they do not have dangerous coverage gaps.
• Give your clients suggestions for proven cost containment programs.
• Determine whether your clients face exposures under maritime law or federal compensation acts.
• Quickly understand how to use the residual markets in other states and use the handy contact information to get started.
• Make certain that any clients’ workers who are employed by a professional employer organization (PEO) are properly insured.

Risk Managers, Financial Executives & Insurance Buyers

• Learn ways to effectively control workers compensation costs.
• Determine whether your organization faces exposures under maritime law or federal compensation acts.
• Make sure you understand the policy provisions and scope of coverage provided.
• Get a quick read on the statutes affecting qualified self-insurance in the states of your operations.
• Quickly and easily review the benefits provided by each state’s workers compensation law.
• Design a cost allocation plan that will motivate managers to take loss control seriously.

Underwriters

• Quickly and easily review the benefits provided by each state’s workers compensation law.
• Increase your understanding of maritime law and federal compensation acts and the exposures you are covering under the applicable endorsements.
• Make certain you follow state laws and regulations when you decide to cancel a customer’s coverage.
• Sharpen your underwriting skills with a better understanding of important risk control measures.

Claims Adjusters

• State-specific summaries of WC laws and benefits.
• Line-by-line explanation of the standard policy and major endorsements allows you to quickly determine if coverage applies to claims.

Attorneys

• Advise clients on effective cost control measures.
• Help explain policy provisions and coverage intent.
• Utilize state-specific summaries of WC laws and benefits.
• Demonstrate coverage best practices to the court to help you win your agent/broker E&O cases.
• In absence of legal precedent, you’ll have valuable insight to what the policy does and does not cover. Since IRMI is a highly respected research firm and has been quoted in critical court cases, our interpretations carry a great deal of weight.

Consultants

• Know which endorsements you should request for your clients to assure they do not have dangerous coverage gaps.
• Give your clients suggestions for proven cost containment programs.
• Determine whether your clients face exposures under maritime law or Federal compensation acts.
• Utilize state-specific summaries of WC laws and benefits.
• Make certain the any clients’ workers who are employed by a professional employer organization (PEO) are properly insured.