Category Focus
Insights That Cut Across Coverage Lines
IRMI’s multiline resources provide insights and analysis for commercial insurance that intersect multiple lines of coverage. These resources help you see the full risk picture, connect coverage issues, and make better-informed decisions with confidence.
Featured Subscription Resources
101 Ways to Cut Business Insurance Costs
Strengthen cost control across every major line of coverage with 101 proven strategies that support disciplined program audits, reduce premiums, and preserve essential protection without sacrificing long-term stability.
- Identifies and helps you avoid common premium determination errors that can cause you to lose clients.
- Helps you identify rating and premium determination mistakes in competitor’s programs.
- A great primer for new account service staff to help them avoid common errors.
- Identifies common premium determination errors.
- Provides practical cost control strategies to help your clients.
Businessowners Policy and Endorsement Analysis
Clarify coverage interpretation with authoritative analysis of ISO and AAIS BOP forms and the ISO micro-BOP, supported by detailed evaluation of approximately 300 countrywide endorsements shaping policy scope.
- Deep analysis of standard BOPs and endorsements that will help you ensure your small business clients are properly covered
- Sample copies of all standard BOP forms and endorsements
- Insight and third-party support when negotiating claims disputes on behalf of your insureds or communicating the rationale behind a denial
- Quickly familiarize yourself with BOP endorsements and coverage options to help with underwriting decisions
- Use the explanations of BOP policy and endorsement provisions help you to quickly and confidently answer questions posed by brokers and your insureds
- Stay up-to-date on changes to BOP policy forms and endorsements
- Analysis of the scope and intent of the BOP property and liability coverages
- Explanation of the intent behind BOP exclusions and how they may or may not apply to a particular claim
- Review of related endorsements and how they impact the scope of coverage under the policy
- In the absence of legal precedent, provides you with valuable insight into what the policy forms and endorsements do and do not cover
- Current and historical ISO and AAIS BOP policy forms provide an invaluable resource for litigation involving current and past policy provisions
Exposure Survey Questionnaire
Elevate risk assessment through a structured discovery framework that uncovers significant organizational exposures and strengthens decision-making with clearer insight into enterprise-wide vulnerabilities.
- Excellent tool for identifying hidden exposures and uncovering your clients' or prospects' unmet coverage needs.
- Good tool for new staff or staff assigned to pursue industries for which they do not yet have adequate knowledge of unique exposures.
- Helps avoid errors and omissions through a more thorough risk analysis.
Gives you a methodical approach to identifying hidden exposures and uncovering your clients' unmet coverage needs.
Guidelines for Insurance Specifications
Improve underwriting outcomes with model specifications for commonly purchased commercial lines, enabling the preparation of precise, well-structured submissions that enhance clarity and reduce ambiguity.
Quickly create a set of specifications tailored to fit the needs of virtually any organization when bidding commercial property and liability insurance programs.
- Prepare comprehensive and effective insurance specifications by customizing the model specifications.
- Save time developing specifications by customizing the template.
IRMI Insurance Coverage Essentials
Gain fast, reliable insight into everyday coverage questions through concise analysis of key commercial and personal lines, supporting stronger conversations, clearer understanding, and more confident insurance decisions.
- Confidently answer everyday coverage questions.
- Improve client conversations.
- Reduce errors with a trusted, go-to reference.
- Support clients with clear coverage analysis.
- Identify key limitations and exclusions quickly.
- Support consistent underwriting decisions.
- Anticipate common coverage questions.
- Clarify coverage intent and scope.
- Evaluate exclusions and endorsements more confidently.
- Analyze key provisions with confidence.
- Support coverage opinions and disputes.
IRMI Insurance Cancellation Guide
Strengthen compliance oversight with clear guidance on state laws governing policy cancellation, nonrenewal, premium increases, and renewal restrictions, reducing exposure to regulatory and procedural risk.
Helps you ensure your insurers are complying with state regulations regarding cancellation and nonrenewal of policies, increase in premiums, and restriction of coverage at time of renewal.
Helps you ensure your client's insurer is complying with state regulations regarding cancellation and nonrenewal of policies, increases in premiums, or restrictions of coverage at time of renewal.
Helps you comply with state regulations regarding cancellation and nonrenewal of policies, increases in premiums, and restrictions of coverage at time of renewal.
Helps you ensure your client or employer is complying with state regulations regarding cancellation and nonrenewal of policies, increases in premiums, and restrictions of coverage at time of renewal.
IRMI Insurance Checklists
Enhance insurance program design with structured checklists that identify unique loss exposures and align coverage accordingly, supporting the development of comprehensive, well-balanced protection.
- Helps you design insurance programs that provide complete and proper coverage for your clients.
- Maintains staff best practices and consistency with coverage recommendations and their documentation.
- Provides a great outline of coverage options for most major lines of insurance to reduce the chance of errors or omissions.
- Provides a methodical way to thoroughly review insurance policies and document any deficiencies.
- Provides a great outline of coverage options for most major lines of insurance.
Gives you insight into insurance coverage best practices.
Not sure where to start? Get in touch with us to schedule a demo or see which IRMI tools are the best fit for you.
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