RISK:guard^® - part of the Quality Planning Rating Integrity Solution - is a tool for use in the second and later years of a multiyear rating-integrity program for private passenger auto insurance. After you've cleaned up your book of business with RISK:check^® (or RISK:select^TM) and Precision Re-Underwriting^TM, you'll want to keep it clean. RISK:guard is an economical way to protect your investment in rating integrity.

Here's how it works

The first two parts of the Quality Planning Rating Integrity Solution give you a baseline of accurate information about your individual policyholders. Once you have that information, RISK:guard streamlines policy review and prevents future premium loss.

In the second and later years of your program, RISK:guard compares the first-year information with new information in three key areas:

• Residential address
• Vehicle mix
• Driver mix

Changes in one or more of those areas might suggest taking a deeper look at the risk. If there are material changes, RISK:guard flags the policy for complete database matching and modeling through RISK:check (or RISK:select).

RISK:guard focuses your rating-integrity efforts on policies that have the greatest potential for yielding additional premium. So, with RISK:guard, you can reduce your costs in the second and later years by as much as 60 percent - while still preserving the rating integrity you've achieved.

For more information about RISK:guard, contact Quality Planning or call us at 415-281-1863.