Large organizations have the luxury of hiring an experienced full time insurance and risk manager on staff to manage loss exposures; read in detail all the terms, conditions and exclusions in their corporate insurance policies; analyze contractual agreements; facilitate loss prevention programs and monitor the agent/broker. Small and medium size organizations do not have this luxury because of either budget or personnel considerations. They end up delegating these responsibilities to "non-insurance" professionals with little or no practical experience in the insurance and risk management field. Insurance Assessment Consultants (IAC) helps small and medium-size companies even the odds and gain access to large-size company resources.