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Personal Lines and Small Business

Become a Personal Lines and Small Business Expert with IRMI

Personal lines insurance encompasses a variety of multiline coverage types designed for individual consumers and families. Individuals who are also small business owners likewise need coverage for their business-related property and liability exposures.

IRMI analyzes personal risk management practices and personal lines insurance policies to explain coverage nuances, identify potential coverage gaps or limitations, and offer suggestions where appropriate for modifications. The Businessowners Policy (BOP) and micro-businessowners policies (micro-BOP) commonly used to insure small busienss are also examined in detail, including hundreds of endorsements.

Featured Expert Commentary

Catastrophe Risk Management

Collaborating To Prevent, Prepare for, and Recover from Wildfires

May 17, 2024 | John Putnam

Claims Practices

Pollution Exclusion Deters Corporations from Polluting

March 29, 2024 | Barry Zalma

Catastrophe Risk Management

FAQs for Surviving Wildfire Losses—Texas 2024

March 05, 2024 | Robin K Olson

Catastrophe Risk Management

Homeowners Law and Ordinance Coverage Challenges

February 09, 2024 | Aaron E Lunt

Featured Subscription Resources

Subscribe to Businessowners Policy and Endorsement Analysis

This powerful new IRMI subscription resource gives you insightful analysis of the Insurance Services Office, Inc. (ISO) businessowners policy (BOP) and micro-businessowners policy (micro-BOP), the American Association of Insurance Services (AAIS) businessowners policy, and over 300 endorsements used with these forms. With the in-depth information and expert guidance provided, agents and brokers can work with underwriters to tailor insurance programs to meet the specific needs of their clients and avoid gaps or overlaps in coverage.

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Personal Risk Management and Insurance

Get line-by-line analyses of the latest ISO homeowners and personal auto policies and their countrywide endorsements, including state-specific information such as uninsured/underinsured and no-fault insurance requirements. Real-life claims and loss examples are used throughout to help you fully understand coverage intent and loss ramifications. You'll also learn a wide variety of risk management techniques to reduce loss exposure through contractual risk transfer, loss control, and catastrophe planning.

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Additional IRMI Resources

Comprehensive solutions to help you answer questions quickly and correctly

Hyperpolicies–Personal Lines

Special versions of the most essential ISO homeowners and personal auto policies to help facilitate coverage interpretation.

Exposure Survey Questionnaire

An easy-to-use questionnaire to identify and analyze various loss exposures of individuals and families, with the primary focus on property and casualty exposures.

Cancellation Guide

A tool to help insurance and risk management professionals keep up with state laws that pertain to cancellation or nonrenewal of an insurance policy.

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Insurance Checklists

An easy-to-use checklist to assist insurance buyers, risk managers, agents, consultants, and brokers in developing insurance programs to respond to the unique loss exposures of any client.

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How To Draft and Interpret Insurance Policies

Guides you step by step through the process of interpreting existing policy language, from applying a basic coverage analysis to understanding advanced coverage issues.

Subscribe to the free Personal Lines Pilot e-Newsletter

Learn about the latest court cases interpreting coverage, get handy tips for avoiding coverage gaps, and stay up-to-date with the latest coverage and underwriting trends.

Set Up Your Free IRMI Account

Your free IRMI account provides access to additional content, including the following reports. Set up your account today

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Risk Management Why and How

This free report provides and easy-to-understand introduction to risk management and the risk management process for organizations large and small.

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Personal Lines Insurance Coverage Gaps

Learn how to uncover and resolve personal lines coverage gaps using a variety of risk management techniques.

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50 Insurance Cases Every Attorney or Risk Professional Should Know

Review the most interesting, influential, and vital property-casualty insurance coverage cases, along with insightful analysis on the implications of those decisions.