Agents, Brokers and Account Support Staff

• Go beyond the pat, cookie-cutter programs most people write by using the detailed checklists, sample forms, and insightful analyses to address the less obvious but critical property, crime, and inland marine exposures for different industries.
• Prepare superior specifications/submissions using the practical discussions of coverage alternatives.
• Easy-to-understand explanations of standard policy provisions and countrywide endorsements help you pinpoint errors in your competitors' programs and fix coverage gaps within your own programs.
• Provides insight and third-party support when negotiating claims disputes on behalf of your insureds or communicating the rationale behind a denial.
• Insight and resulting technical proficiency will reinforce your insureds' and underwriters' trust and confidence in you and your staff.

Risk Managers, Financial Executives & Insurance Buyers

• A comprehensive, well-indexed library of sample property, crime, businessowners, and equipment breakdown policies and endorsements, along with explanations of their coverage intent, is provided for use in manuscripting special forms, auditing existing programs, deciphering proposals, negotiating claims, and making coverage requests.

Underwriters

• Use the explanations of policies and endorsement provisions to quickly and confidently answer questions posed by brokers and your insureds.
• These explanations and supported recommendations will strengthen client relationships.
• Keep up with changes made in new editions of policy forms being introduced into the market.

Claims Adjusters

• Quickly determine what unfamiliar policy and any endorsements do and do not cover with the coverage interpretations.
• Use this insight and third-party support of your decisions and related explanations to strengthen client relationships.
• Get up-to-speed on the intent behind exclusions you have not dealt with before and how they may or may not apply to a particular claim.

Attorneys

• Current and historical ISO policy forms provide an invaluable resource for litigation involving current and past policy provisions.
• Summaries of the drafting history and intent of each ISO property provision help you determine whether historical caselaw actually applies to the policy provision you are examining.
• 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 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
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Consultants

• Prepare superior specifications/submissions using the practical discussions of coverage alternatives.
• Easy-to-understand explanations of standard policy provisions and country-wide endorsements help you pinpoint errors in your client's programs.
• Use as support and a second opinion in your litigation consulting work.