Agents, Brokers and Account Support Staff

• Goes beyond basic policy interpretations to include discussions of all countrywide ISO endorsements along with manuscript recommendations to help you tailor coverage for specific needs.
• Provides third-party support to your recommendations for coverage enhancements or concerns when questioning a claims denial on behalf of your insured.
• 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

• Make informed decisions by understanding the options and implications of uninsured and underinsured motorists insurance.
• Avoid expensive surprises by making sure you are in compliance with individual state financial responsibility laws and requirements.
• Know what endorsements to request or require to avoid serious gaps in coverage.

Underwriters

• Specifies exact wording required to reject UM/UIM coverage in those states where such wording is regulated.
• Interpretations of standard endorsements (along with corresponding endorsement numbers), recommended manuscript endorsements, and guidelines on how each endorsement can or cannot be used in a given situation will support your recommendations to agents and brokers.
• Explanations of provisions and related endorsements will support your requests for exceptions from your underwriting manager.
• Detailed analysis helps you determine whether mobile equipment should be insured in the auto policy or the CGL policy.

Claims Adjusters

• Quickly determine what unfamiliar policies and any endorsements do and do not cover with the coverage interpretations.
• 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 policy provisions.
• 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

• Know what endorsements to request or require to avoid serious coverage gaps.
• Make informed decisions by understanding the options and implications of uninsured and underinsured motorists insurance.