FAQ ( About How We Work)
What is the difference between I&M Insurance Consulting and an insurance broker or agency?
Unlike brokers or agencies, we do not sell insurance policies or represent insurers. We are an independent consultancy focused solely on providing unbiased advice and strategies to optimize your insurance programs and risk management practices.
Do you sell insurance policies?
No, we do not sell or underwrite insurance policies. Our role is to provide expert consulting services, helping you understand your insurance needs, evaluate existing programs, and optimize coverage without any conflicts of interest.
Do you help clients purchase insurance?
While we do not sell insurance, we guide you through the process of selecting and negotiating the right policies with your current or prospective insurance providers. We also collaborate with brokers or insurers on your behalf when necessary.
Can you replace my current broker or insurer?
No, we do not replace your broker or insurer. Instead, we work alongside them to ensure your insurance program aligns with your goals, covers all critical risks, and remains cost-efficient.
Can you help me find the best insurance provider?
Yes, we can provide objective insights and recommendations based on your needs, but we do not have any direct relationships with insurers or receive commissions. This ensures our advice remains unbiased.
Do you work with brokers and agencies as part of your process?
Yes, we often collaborate with your existing brokers, agencies, or insurers to enhance your coverage and ensure compliance. Our goal is to complement their services by offering expert insights and customized strategies.
How do you ensure objectivity in your advice?
As an independent consultancy, we have no affiliations with insurance companies, brokers, or agencies. Our sole focus is on helping you achieve your goals through unbiased, data-driven advice.
What if I don’t have an insurance broker or provider?
We can help you identify and evaluate potential brokers or insurers that meet your needs. While we do not sell policies, we ensure you are equipped with the knowledge and strategy to choose the right partner.
Can you help with claims management without being a broker?
Absolutely. We provide guidance on navigating the claims process, resolving disputes, and advocating on your behalf with insurers. However, we do not directly handle claims as a loss adjuster would.