Micromobility 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.

What is micromobility?

There are many things changing within the transportation landscape but what’s really been taking center stage is micromobility. Micromobility refers to the use of small manually or electrically powered vehicles used to travel short distances. Bicycles and e-bicycles are probably the most common examples of micromobility, but other examples include electric cars and all sorts of scooters.

A fleet risk management program for a micromobility company is not complete unless a holistic approach is taken.  It requires the use of technology be combined with experience, and must offer transparency across the entire organization.  

This field is for validation purposes and should be left unchanged.
1. To what extent does your organization have a system for ensuring the continued qualification of Operators for your micromobility (MM) device, including acceptable age requirements, and identifying drivers who are not complying with safety regulations?(Required)
2. To what degree does your organization review Operators’ driving histories of traditional vehicles, to determine whether they are competent and qualified to operator your MM device safely?(Required)
3. To what degree does your organization review the MM riding history of your operators including, but not limited to, individual routes, speeds, dangerous turns, and accidents?(Required)
4. How effective is your organization at reviewing the MM riding history of your operators at least annually, if not more frequently? hint: the more often this is reviewed the more "effective" the risk management.(Required)
5. How would you rate your organization’s training/testing program on drug and alcohol use by operators?(Required)
6. How effective is your organization at inspecting, repairing, maintaining, and preparing and preserving related records, of your MM devices so they remain in a safe operating condition?(Required)
7. How well has your organization defined an accident/incident/claim procedure for the purposes of setting standards and determining appropriate responses?(Required)
8. How would you rate your organization’s procedures for demonstrating compliance with government requirements within 48 hours of receipt of a request from a bureaucratic body?(Required)
9. To what degree does your organization offer training/best practices for operators of your MM device?(Required)
10. How effective is your organization at tracking inclimate weather (i.e. snowstorm, hurricane, hail storm, etc) to determine when you should pull your MM devices as a result of unsafe driving conditions?(Required)
11. How effective is your organization at monitoring accidents, and maintaining an accident register?(Required)
12. How effective is your organization at maintaining accident files on each operator, and have a system in place that would deem an operator ineligible to use your platform as a result of these records?(Required)
13. To what extent does your organization provide a fleet-safety incentive program including operator safety rewards?(Required)
14. How would you rank your organization at establishing a means to measure and benchmark your progress as it relates to fleet safety (i.e. accidents per hour, per miles, etc.)?(Required)
15. To what degree does your organization have a process to thoroughly investigate accidents and report on steps to prevent future accidents (i.e. accident review committee)?(Required)
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