Auto and Recreational Vehicles IQRM

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What is IQRM?

The IQRM (Intelligence Quotient for Risk Management) is the first step to identifying the risks that most greatly affect your business.

Why IQRM?

With this integral piece of The Insurance Market’s Armour 360® process, we will ensure you receive a comprehensive program that maximizes your insurance investment.

How IQRM works?

We will work together to analyze the effectiveness of managing risks, develop strategies to protect your assets, and improve your risk profile. Additionally reducing your insurance costs, monitoring, and fine-tuning risk management programs as your business evolves.

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1. To what degree have you effectively listed all household members, who can legally drive, on your auto policies?(Required)
2. How effective are your policies at minimizing gaps in coverage should you own vehicles on separate policies?(Required)
3. To what degree have you provided education and driver safety training for inexperienced operators?(Required)
4. 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?(Required)
5. To what degree have you ensured that all operators not living in your household have proper coverage before operating your vehicles?(Required)
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?(Required)
7. To what degree do you understand the liability issues, and types of coverage, of owning or renting a motorhome?(Required)
8. To what degree do you understand the liability issues, and types of coverage, of owning or renting watercraft?(Required)
9. To what degree have you secured proper insurance coverage for household members providing delivery services with your personal vehicles?(Required)
10. To what degree have you ensured you have proper coverage of any collector cars, boats and/or motorcycles?(Required)
11. To what degree have you ensured proper coverage for any household members participating in Uber, Lyft or any rideshare program?(Required)
This field is for validation purposes and should be left unchanged.

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Phone 302.875.7591 Fax 302.875.7541
310 N. Central Ave. Laurel, DE 19956

Phone 443.944.9682 Fax 443.944.9683
109 Poplar Hill Ave. Salisbury, MD 21801

Phone 302.875.7591 Fax 302.491.4862
105 NE Front St. Milford, DE 19963
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