Personal Lines - Auto and Recreational Vehicles Assessment

Assessment Introduction

Questions?

lkachulis@gilbertsrisksolutions.com 800-660-6832
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Welcome to the Personal Lines - Auto and Recreational Vehicles IQRM!

While it is the job of the agent or broker to make every attempt to reduce premium outlay, insufficient coverage could mean a hard hit to your savings if your assets are not properly protected.  Most importantly, your agent or broker should help you identify, prioritize, and strategically manage your risks and uncertainties through a process, not product-oriented approach.

Through the Intelligence Quotient for Risk Management (IQRM), it is our goal to help you identify, measure, and prioritize the risks and uncertainties that face you and your family.  And, to design as risk management program to properly manage.  Please click below to begin a short survey to gain your IQRM Effectiveness Risk Audit Score for your auto and recreational vehicle exposure.

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Assessment Introduction
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question 1

To what degree have you effectively listed all household members, who can legally drive, on your auto policies?

question 2

How effective are your policies at minimizing gaps in coverage should you own vehicles on separate policies?

question 3

To what degree have you provided education and driver safety training for inexperienced operators?

question 4
question 4

Note: also EPLI exposure

To what degree have you put protocols in place to protect you from liability should a domestic employee cause an auto accident while working for you?

question 5

To what degree have you ensured that all operators not living in your household have proper coverage before operating your vehicles?

question 6

To what degree have you ensured your family is covered in the event there is damage to someone else’s property, bodily injury to others, collision, theft, or vandalism as a result of any recreational vehicles you own?

question 7

To what degree do you understand the liability issues, and types of coverage, of owning or renting a motor home?

question 8

To what degree do you understand the liability issues, and types of coverage, of owning or renting watercraft?

question 9

To what degree have you secured proper insurance coverage for household members providing delivery services with your personal vehicles?

question 10

To what degree have you ensured you have proper coverage of any collector cars, boats and/or motorcycles?

question 11

To what degree have you ensured proper coverage for any household members participating in Uber, Lyft or any ride share program?

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Assessment Questionnaire
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Step 4
Business Information
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