The practitioner's reference for homeowners, personal
auto, and numerous other personal lines insurance policies.
Personal Risk Management and Insurance is the most comprehensive
source of information and competitive strategies for homeowners, personal
auto, and numerous other personal lines insurance policies. This
practitioner's reference annotates the latest ISO policies and all of the
countrywide endorsements. Real-life claims and loss examples are used
throughout to help you fully understand coverage intent and loss
ramifications.
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Personal Risk Management & Insurance covers these
topics.
- Survey and Checklists
- Risk Management Techniques and Issues
- ISO Personal Auto Policy
- ISO Personal Auto Endorsements
- Non-ISO Pap Forms
- Personal Auto Practical Concerns
- Personal Auto State Laws
- ISO Homeowners 3—Property
- ISO Homeowners 3—Liability
- Other ISO Homeowners Forms
- ISO Homeowners Endorsements
- Non-ISO HO Forms
- Miscellaneous Coverages
- HO Practical Concerns
- Claims
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Table of Contents
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
- Includes more than 500 case citations.
- 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.
Along with updates to this resource,
you will receive release notes. They summarize content added in the
update, provide advance notice of impending countrywide and state
changes in standard homeowners and personal auto forms, and include Web
links to relevant personal lines articles on the Internet.
In addition, you will also get access to thousands of
coverage-line-specific insurance forms and endorsements promulgated by
the Insurance Services Offices, Inc. (ISO), and the American
Association of Insurance Services (AAIS) and access to hundreds of
ACORD forms that have been approved for use in all 50 states and are
accepted by more than 1,000 companies. Using standard forms such as
these increases efficiency in insurance transactions. This InfoBase
includes all the ACORD forms in PDF files.
You will receive a copy of the Contractor's Guide to
OCIPs, a handy reference that provides guidance on 39 issues
contractors should consider when accepting coverage through a wrap-up
or controlled insurance program. This publication was prepared by the
OCIP Task Force of the AGC of America.
Lastly, you will receive a copy of the NFIP Flood Insurance
Manual. The National Flood Insurance Program (NFIP) Flood Insurance
Manual is published by the Federal Emergency Management Agency. It
outlines the rules, rates, and procedures for obtaining NFIP flood
insurance. It also provides specimen copies of the necessary forms and
is an essential tool for agents and brokers that place flood insurance
for their clients. A number of links have been inserted into the
Flood Insurance Manual to make it easier for subscribers to
use.