How Do TRiMRisk, StudioGuard, and TRiMPay Fit Together?

TRiMRisk is a risk management platform that helps businesses put prevention technology in place and verify it. TRiMPay is a service-contract benefit included with eligible paid TRiMRisk plans, and it is not insurance. StudioGuard is a Stuckey & Company professional liability program.

What is TRiMRisk?

TRiM is a cloud-based, AI-enabled risk management platform founded by Dwight Stuckey of Stuckey & Company. Its positioning is "AI-enabled Risk Management with a Human Service," and its core idea is simple: insurance is reactive, and TRiM makes it proactive.

Businesses get subscription access to vetted tools for cybersecurity, physical security and IoT, auto and fleet telematics, worker safety, and smart operations. TRiM verifies that the technology is installed, connected, monitored, and engaged, and a human service team supports the business along the way.

Does TRiMRisk offer different levels of service?

Yes. Plans vary by risk category and by the size of the business. Check the current plan details or ask your agent which level fits your business.

What is TRiMRisk not?

TRiMRisk is not an insurance policy. It does not decide whether a claim is covered, and it does not set eligibility, terms, or price. Those decisions stay with the carrier.

What is TRiMPay?

TRiMPay, "Prevention That Pays," is a service-contract benefit included with eligible paid TRiMRisk plans. It is not insurance and is not underwritten by an insurance carrier.

What does TRiMPay include?

• Equipment warranty: support for eligible installed equipment, subject to the service contract's terms
• Deductible reimbursement: may reimburse an eligible insurance deductible after a qualifying loss, subject to the terms and benefit limit
• Pre-loss intervention: when monitoring identifies an eligible issue, the service contract can fund a service response meant to reduce harm before a loss happens

What can affect whether a TRiMPay benefit applies?

Every TRiMPay benefit is subject to the service contract's eligibility rules, limits, exclusions, and terms. Benefit amounts vary by plan and are shown in current plan details. Before counting on a benefit, read the current service contract and ask your agent or the TRiM team how it applies to your plan and equipment.

What is StudioGuard?

StudioGuard is a professional liability program from Stuckey & Company. It is in controlled build. It is not available to buy, and it cannot be quoted today. When StudioGuard is available, eligibility, coverage, and terms will depend on the carrier, the applicant, and underwriting.

How do the three fit together?

Each one has a different job:

• TRiMRisk helps a business reduce risk and verify its controls.
• TRiMPay is a service-contract benefit that comes with eligible paid TRiMRisk plans.
• StudioGuard is a professional liability insurance program that is still in development.

One does not automatically change another. Using TRiMRisk does not change the terms of an insurance policy. A TRiMPay benefit is not an insurance payment. And StudioGuard, once available, will be governed by its own policy terms.

Why does keeping the roles separate matter?

Clear roles keep a prevention tool from sounding like insurance, keep a service-contract benefit from sounding automatic, and keep documented controls from sounding like a promise of claim payment or lower premiums. Any savings, discounts, or changes in eligibility depend on the carrier, the business, and underwriting.

What is the best way to explain this to a client?

Use the three-part explanation above, then send product-specific questions to your Stuckey & Company contact or the TRiM team.

Frequently asked questions

Is TRiMPay included with every TRiMRisk plan?

No. TRiMPay is included with eligible paid plans. The free Connect option for businesses already running UniFi or Coro does not include TRiMPay. Check the current plan details.

Is TRiMPay insurance?

No. TRiMPay is a service-contract benefit. It is not insurance and is not underwritten by an insurance carrier.

Does TRiMRisk change my insurance coverage or price?

Not on its own. Any change in coverage, eligibility, or price is up to the carrier, based on the business and underwriting.

Do any of these promise reimbursement, savings, or claim payment?

No. TRiMPay benefits follow the service contract's eligibility, limits, and terms. Insurance outcomes depend on the carrier and the policy.

Sources

TRiMRisk, TRiMPay: https://trimrisk.services/trimpay 
TRiMRisk, Legal Disclaimer: https://trimrisk.services/legal-disclaimer