Homeowners Liability 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. In the event that you are high profile or frequently in the public eye, how effective are your coverages at protecting assets like cyber, travel, kidnap and ransom, or liability for domestic employees?(Required)
2. How effective are your coverages at protecting you from third party injuries while the person is on your properties?(Required)
3. To what degree have you reviewed your insurance coverages to ensure they protect you from damages or injuries from any persons staying at any rental properties?(Required)
4. How effective are your policies at protecting you from foreign exposures such as renting a vehicle for business or pleasure, or staying at an overseas property?(Required)
5. How effective are you at ensuring that all land you own is properly covered for any liability arising from and on it?(Required)
6. To what degree is your family protected while operating vehicles furnished for your regular use that you do not own or lease?(Required)
7. If you have properties in an LLC or trust, to what degree does your policy reflect the proper name, by special endorsement, to the policy?(Required)
8. To what degree are you aware of the potential liability you assume when serving as an officer or board member, and the proper risk mitigation strategies in place to manage that liability?(Required)
9. How effective are your policies at providing liability or limited liability coverage should your pet injure someone, or causes damage to another person’s property?(Required)
10. How effective are your policies at protecting your family while conducting business activities on premises or hosting events?(Required)
11. To what degree are you aware of, and protected from, liability related to domestic employees?(Required)
12. To what degree have you received education related to social media usage and the possible repercussions for statements and postings either said or shared online?(Required)
13. To what degree are your properties maintained to discourage improper access to attractive nuisances? (i.e. a trampoline, pool, lake or pond on the property)(Required)
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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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