Personal Lines - Property Assessment

Assessment Introduction

    Page 1

    Welcome to the Personal Lines - Property 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 property exposures.

    question 1

    To what degree have you installed protective or smart devices which prevent and / or alert you to potential crimes, fire and/or gas leaks?

    question 2

    To what degree have you effectively appraised any collectables or collections to insure it properly?

    question 3

    How effective are your policies at covering any jewelry items valued at $1,500 an above?

    question 4

    How current and consistent are you in notifying your insurance agent of all major repairs and home renovation / remodeling updates from the last 15 years?

    question 5

    To what degree do you have plans in place in the event of a natural disaster, ensuring proper coverage, or have an evacuation plan mapped out for your family?

    question 6

    To what degree does your vetting of contractors include a process to ensure they have proper insurance or adequate limits should a claim occur?

    question 7

    How effective are your policies at protecting your electronics, personal information and accounts from a cyber breach?

    question 8

    To what degree have you received education from your insurance advisor with respect to losses, claims and whether or not to file?

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