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Published: Sept. 16, 2021, 3:14 p.m.

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To understand the connection between ethics and quality service it is  important to understand the meaning of ethical values in the insurance  context. 

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https://zalma.com/blog

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The ethical insurer and its ethical claims and underwriting  staff must treat the insureds and claimants with whom they come in  contact honestly, fairly and with utmost good faith. The contact must  reflect the highest integrity, respect and empathy for the people who  need the service of the insurer.  Finally, the insurer must reflect a high level of trustworthiness,  fairness; honesty and personal accountability. Vince Lombardi reportedly  said  The quality of a person\\u2019s life is in direct proportion to their  commitment to excellence, regardless of their chosen field of endeavor.  The statement applies equally to football \\u2013 about which Lombardi was  speaking \\u2013 and insurance. 

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Excellence in the organization depends on the  high ethical values and excellence in keeping the promises made by an  insurance policy by the insurer\\u2019s employees and officers.  Without excellence in those involved in the business of insurance;  without excellence in claims handling; and without excellence in  underwriting coupled with ethical behavior and conduct, an insurer will  almost certainly fail. The insurer that demands excellence in claims  handling and underwriting within the confines of ethical conduct and  values will invariably succeed.  The professional insurance adjuster recognizes that the work of  adjusting insurance claims is a profession of public trust. Independent  insurance adjusters should maintain a standard of integrity that will  promote the goal of building public confidence and trust in the  insurance industry.  

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ZALMA OPINION 

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 Every insurers needs, to be fair and profitable, a dedication to provide  excellence in claims handling. This is accomplished by creating a staff  of ethical insurance professionals who are ready and able to deal with  those it insures, or those making claims against its insured, fairly,  ethically and with the utmost good faith. 

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\\xa9 2021 \\u2013 Barry Zalma

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Barry Zalma, Esq., CFE, now limits his practice to service as an  insurance consultant specializing in insurance coverage, insurance  claims handling, insurance bad faith and insurance fraud almost equally  for insurers and policyholders.  He also serves as an arbitrator or mediator for insurance related  disputes. He practiced law in California for more than 44 years as an  insurance coverage and claims handling lawyer and more than 54 years in  the insurance business.  

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He is available at http://www.zalma.com and zalma@zalma.com. Mr. Zalma  is the first recipient of the first annual Claims Magazine/ACE Legend  Award. Over the last 53 years Barry Zalma has dedicated his life to  insurance, insurance claims and the need to defeat insurance fraud. He  has created the following library of books and other materials to make  it possible for insurers and their claims staff to become insurance  claims professionals.  Go to the podcast Zalma On Insurance at https://anchor.fm/barry-zalma;  Follow Mr. Zalma on Twitter at https://twitter.com/bzalma; Go to Barry Zalma videos at https://www.rumble.com/zalma ; Go to Barry Zalma on YouTube- https://www.youtube.com/channel/UCysiZklEtxZsSF9DfC0Expg; Go to the Insurance Claims Library \\u2013 https://zalma.com/blog/insurance-claims-library/  The last two issues of ZIFL are available at https://zalma.com/zalmas-insurance-fraud-letter-2/  podcast now available at https://podcasts.apple.com/us/podcast/zalma-on-insurance/id1509583809?uo=4

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