PF&M Analysis Research Service
for Agents and Brokers

Do you have a question? Are you having a disagreement in your office regarding a claim, rule interpretation or coverage issue?

As a subscriber to PF&M you have access to the Q&A service. With Q&A, you can fax, mail or e-mail requests for basic coverage and classification clarification at no charge. The same care that goes into the preparation of the PF&M coverage analysis is used in finding answers to your questions. The answers are not legal opinions but they are based on the language of the policy and circumstances presented. Note that these are basic clarifications. If more extensive information is needed, customized research may be needed.

A non-subscriber to PF&M can receive Q&A services for a fee. Fax, mail or e-mail the request and a fee quote will be provided, based on the amount of research and time needed to provide the information.

Customized Research

Specific questions
Some questions involve time that goes beyond the basic Q&A services. Rough Notes can still handle the research and provide the answers you need in a complete and timely fashion. Although the opinions expressed are not legal opinions, all will be supported and explained based on coverage forms and circumstances provided. Prices are negotiated based on the anticipated time needed to research and provide a complete answer.

Carrier-Specific Product Comparison and Analysis Rough Notes will provide the same care used in PF&M coverage analysis to any carrier’s products and produce detailed coverage analysis along with comparisons to an ISO or AAIS coverage form to highlight differences and sales opportunities. This service is available for agencies who want to provide carrier difference insights to their sales force. Information can be provided online, on a CD-ROM or as a paper document. Prices are negotiated based on the products to research and the estimated time frame.

PF&M Analysis Research Service for Insurance Companies and Brokers.

Product Development,
Comparison and Analysis

Product Development
Do you know the product you want to develop and need a coverage specialist to craft the coverage part or endorsement? The editors of PF&M have the experience and the knowledge to work with your team in researching and designing the coverage form that fits the niche or customer you are after.

Product Comparisons
Are you ready to launch a new product and want to clearly identify coverage differences between various coverage forms? Let the editors of PF&M provide the same care they use in PF&M coverage analysis to any carrier’s products and produce customized detailed coverage analysis. The comparison can be between different carrier’s forms or the standard ISO or AAIS coverage forms.

These comparisons will highlight differences that bring out the sales benefits. Our editors will work closely with you to make sure we prepare information you can use.

Product Analysis
Are you interested in a customized coverage analysis that you can share with your sales force? PF&M editors analyze most ISO and AAIS coverage forms and can do the same for your unique product. This analysis can be used to train employees and agents. The coverage analysis can resemble a complete section of the PF&M and include quizzes, brochures, application guidance, underwriting, rating and more. We will work together to develop the analysis you want.

Rough Notes’ Technical and Educational Products Division

Linda D. Ferguson, CPCU, is Vice President, Technical and Educational Products Division. Her 35-year insurance career includes commercial lines underwriting, marketing and management positions in both the field and home offices of national property/casualty insurance carriers.

Bruce D. Hicks, CPCU, CLU, is Senior Editor, Technical and Educational Products Division. He began his career in insurance in 1981, serving several regional and national companies in personal lines underwriting, product research and development, auditing, regulation and compliance.

Joseph J. Hunter-Lattak, CPCU, AIM, AMIM, is Assistant Editor, Technical and Educational Products Division. He has been a contributor to the property/casualty insurance industry as both a commercial lines underwriter with several companies and an agency producer over the past 35 years.
Richard C. Lewis is a contributing writer for the Bonds section of PF&M. He has over 40 years experience as a practitioner in the fields of commercial bank and surety credit and is one of the most respected names in the surety area of the insurance community. He is the author of numerous articles and books on the subject of bonding and surety.

Jenny Pagano, CPCU, CLU, FLMI, is a contributing writer for the Technical and Educational Products Division. She is currently a product administrator with a regional insurance carrier and has spent more than 29 years in the insurance industry. Her career includes work in underwriting, product development, ratemaking, project management, and research and analysis.

Ted F. Toerpe, ARM, is a contributing writer for the Technical and Educational Products Division. He has worked in marketing and underwriting of commercial lines for several national insurance carriers and regional insurance agencies for over 23 years. His particular specialty is large line underwriting and producer development.