Agents, Brokers and Account Support Staff

• Avoid errors and omissions by making certain that you arrange appropriate coverage for your clients.
• Identify opportunities for expanding coverage with third-party support to your recommendations. Now you'll be perceived as a personal risk manager, rather than a commodity salesperson.
• Hone your competitive edge with an understanding of the advantages and disadvantages of ISO forms as compared to the forms used by the major direct writers.
• Provide exceptional service to high net worth clients using the personal exposure survey and coverage checklists.
• Increase sales by identifying coverage gaps in client HO programs that can be filled with specialized insurance such as fine arts or jewelry floaters, watercraft policies, or other policies.
• Use the expert coverage analyses to make effective coverage arguments on behalf of customers when claims adjusters seek to deny claims.
• Quickly and competently answer your customers' questions about how their policies apply.

Risk Managers, Financial Executives & Insurance Buyers

• Quickly and expertly answer coverage questions you receive from corporate executives.
• Use the expert coverage analyses to help a corporate executive negotiate with claims adjusters after a questionable loss.

Underwriters

• Quickly understand the impact of special endorsements being requested by your agents.
• Use the comparisons of the ISO and direct writers' forms to help your agents compete for business.
• Use the expert coverage to quickly and efficiently answer coverage questions posed by agents on behalf of their clients.
• Train new underwriters on the coverage provided by standard forms.
• Get a fast read on the important aspects of UM/UIM and no-fault laws in any state.
• If you have to cancel an insured's coverage, use the state cancellation law summaries to make sure you do it by the book.

Claims Adjusters

• Get a fast read on the important aspects of UM/UIM and no-fault laws in any state.
• Use the analyses as a third-party coverage opinion to help determine if coverage should apply to a gray claim.

Attorneys

• Use the analyses as a third-party coverage opinion to help determine if coverage should apply to a gray claim.
• Get a fast read on the important aspects of UM/UIM and no-fault laws in any state.
• 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.

Consultants

• Easy-to-understand explanations of standard policy provisions and countrywide endorsements help you pinpoint errors in personal lines insurance programs.
• Use as support and a second opinion in your litigation consulting work.