At Quality Risk Management, we know that your home and the contents within are one of your largest assets. That is why we partner with a variety of insurance carriers that offer a broad spectrum of specialized coverage. As a brokerage, we have the ability to "look outside the box" to place coverage specific to your needs. Even if you have been denied or canceled by other insurance companies, we have a market for you. Below are a few reasons to come see us today!
  • Identity Theft Insurance According to a July, 2003 study conducted by Gartner Research and Harris Interactive, approximately 7 million people became victims of identity theft in the prior 12 months. This same study found that the incidence of victimization increased 11-20% between 2001-2002 and 80% between 2002 -2003.

    Based on another study conducted by The Identity Theft Resource Center, victims now spend an average of 600 hours recovering from this crime, often over a period of years. Based on 600 hours times the indicated victim wages, this equals nearly $16,000 in lost potential or realized income. Keep in mind, this study was conducted in 2003 and costs have since increased! Identity Theft Insurance will reimburse you for this cost.

  • Optional Cash Settlement  If you suffered a total loss to your home, wouldn't you want the option to have the home rebuilt, or to just take the cash? Many insurance companies do not offer this option. If you wanted to downsize, and use the remaining amount to pay for your child's college education, we have carriers who leave the choice up to you.
  • Extended Replacement Cost  Although we use state of the art evaluation tools to insure adequate coverage for your home, there are things that may be overlooked. That is why we offer extended replacement cost. If your home cost more to replace than what it is actually covered for, our insurers will pay for that additional cost (actual additional coverage varies, depending on carrier).
  • Full Replacement Cost for your Contents  Most people keep their personal belongings for many years. Should you suffer a loss, you would want to have the contents of your home replaced. Full Replacement Cost will replace all of your personal belongings at the cost in which you purchased those items new with no deductions and no depreciation.
  • Hard to Place Homes  EIFS; homes built in flood plains; homes with claims; mobile homes. These are all homes that may be difficult to insure. We have access to many alternative market places that will insure homes that many standard insurance companies will not.
  • Home Based Business  Most people don't realize that many insurance policies will not cover any business property. If you have a home based business, this coverage is for you.
  • Excess Liability  Also know as a personal umbrella policy, covers you in the event that your liability limits on your underlying policies are exhausted. For example, you are mowing your lawn and the lawn mower kicks a rock into the neighbors yard and strikes him in the eye. He sues you for $500,000. Your liability limit on your homeowner policy is only $300,000. Luckily you have a $1,000,000 umbrella policy which pays the remaining $200,000.
  • Kidnap & Ransom  Many of our high profile clients are exposed to the very real danger of having a loved one kidnapped and held for ransom. Fortunately, we can offer coverage for you and your family in the event this unthinkable crime happens to you. Ask your QRMS representative for more details.