Instructor: Samuel T. Bennett, CIC, AFIS, CRIS, CPIA

3 General CE Hours / Approved for P&C Licenses

This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. 

Member = $84

Non-member= $120

Instructor: Chris Boggs

2 General CE Hours / Approved for P&C Licenses

Without using hyperbole, thousands of certificates of insurance (COIs) are issued every day; and, again without hyperbole, most of them are issued improperly. In fact, your agency may have issued an improper certificate as recently as this morning.

What is it about COIs that can get an agency in trouble? If there were just one or two things, it would make your job a whole lot easier, but in reality, there are about 27 different ways a COI can get you in trouble. OK, so 27 isn't an exact number, but you get the idea. A "simple" COI is a potentially dangerous weapon that can be used against your agency.

Member = $56

Non-member= $80

With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates.  The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.

Member = $84

Non-member= $120

This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered.  For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.

Member = $84

Non-member= $120

Instructor: Charlie Matejowsky

2 General CE Hours / Approved for L&H Licenses

The odds of being sick or hurt and not being able to work are so much higher than most folks think that Disability Insurance is the most undersold insurance in the world. This webcast shows why there is such a big need for protecting your paycheck which, for 99% of us, is the largest asset we have. You’ll learn how to design an individual Disability Insurance policy for yourself or for clients as well as other ways of protecting your assets at different stages of life

Member = $56

Non-member= $80

Instructor: Charlie Matejowsky

2 General CE Hours / Approved for L&H Licenses

Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

Member = $56

Non-member= $80

In 1913, when the Internal Revenue Service was created, some very visionary people wanted to make sure that families and businesses could be protected and pass on their assets from one generation to the next. That was the foundation of the Greatest Insurance Product Ever Created: Life Insurance. And 109 years later it remains so.

This presentation provides a look at the many benefits provided by life insurance including the types of life insurance and how it can be used as a financial tool.

Member = $56

Non-member= $80

Planning for retirement took a big turn in the early 1980’s with the passing of the Employee Retirement Income Security Act of 1974 (ERISA), This presentation compares retirement planning before and after ERISA. With a much greater responsibility on each individual to decide what is best for their retirement, needs and solutions are emphasized.

Member = $56

Non-member= $80

Instructors: Chris Boggs & Nancy Germond

3 General CE Hours / Approved for P&C and L&H Licenses

Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

This session explores the key business income concepts necessary to conquer any fear of this most important coverage.

Member = $84

Non-member= $120

Instructors: Nancy Germond & Chris Boggs

3 General CE Hours / Approved for P&C and L&H Licenses

Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept

this reality.

Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-

page evidence that a policy exists, no information contained within them should be forced by an outside party.

Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.

In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This

session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

Member = $84

Non-member= $120

Instructors: Nancy Germond & Kim Hutson

3 General CE Hours / Approved for P&C and L&H Licenses

Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases. 

Recent comment after the class:

The refresh was an outstanding idea because, with automation being what it is today, we tend to shortcut and rely on the carrier to do our jobs.  This course grounded me back to the basics and I needed it.  I am glad that it will be available for all newcomers to the industry.

Member = $84

Non-member= $120

Instructors: Chris Boggs & Nancy Germond

3 General CE Hours / Approved for P&C and L&H Licenses

Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

This session explores the key business income concepts necessary to conquer any fear of this most important coverage.

Member = $84

Non-member= $120