Agents, Brokers and Account Support Staff

• Identify and eliminate gaps in coverage between the primary CGL and your umbrella/excess liability policies.
• Pinpoint errors in competitors’ policies/proposals.
• Avoid coverage gaps within your recommended liability insurance programs.
• Negotiate coverage enhancements with your underwriters and insureds.
• Use as third-party support to your efforts at negotiating claims on behalf of your insureds or communicating the rationale of denials to your insureds.
• Increase your staff’s proficiencies and resulting trust/respect from insureds, underwriters, and claims professionals.

Risk Managers, Financial Executives & Insurance Buyers

• Identify and eliminate gaps in coverage between the primary CGL and your umbrella/excess liability policies.
• Consult explanations of provisions and their coverage intent for insight and third-party support when faced with claims disputes.

Underwriters

• Utilize the detailed line-by-line interpretations of commercial general and umbrella/excess liability policy language, including all countrywide ISO endorsements, to help you answer coverage questions, make difficult claims decisions, modify policies, and negotiate with lawyers or adjusters.

Claims Adjusters

• Get valuable insight about what the CGL policy and attached endorsements do and do not cover.
• Use as third-party support to your efforts at negotiating claims on behalf of your company or communicating the rationale for denials to your insureds and their agents/brokers.

Attorneys

• Current and historical ISO policy forms provide an invaluable resource for litigation involving policy provisions.
• Summaries of the drafting history and intent of each CGL provision help you determine whether historical caselaw actually applies to the policy provision you are examining.
• Detailed CGL coverage analyses help you determine if “gray area” claims should be covered and provide documentation to “the other side.”
• In absence of legal precedent, you’ll have valuable insight to what the policies do and do 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.
• Demonstrate coverage best practices to the court to help you win your agent/broker E&O cases.

Consultants

• Find gaps in coverage within the primary CGL and between upper layers of umbrellas.
• Identify ways to tailor coverage to your client’s needs.
• Use as support and a second opinion in your litigation consulting work.