Insight On Best Practices of Quality Customer Service - 4 CE
Business Management
Course Description:
This class will focus on the importance of providing quality service to the insurance customer. Some of the issues discussed in the presentation include:
- Importance of communication and creating business relationships with the customers
- How to hire, train and motivate employees to serve customers with the highest quality of care
- Methods employed by successful business as a model of how to implement those same techniques to the insurance industry
Insight on Business Auto - 4 CE
Fire & Casualty License
Course Description:
The focus of this class is to review the Business Auto Insurance Policy (BAP). Some of the issues discussed in the presentation include:
- Proper selection of symbols to trigger coverage for the proper entities and vehicles
- Endorsements available to modify the coverages and/or symbols
- In depth review of the Business Auto Policy
Insight on Business Income Insurance
Course Description: Business Income is a very confusing topic. This course will discuss on the forms available for business income; coverages available on the policies; determining limits; and endorsements available.
Insight On Business Owners Policy - 4 CE
Fire & Casualty License
Course Description:
The focus of the class is to discuss the eligibility; policy structure; and coverages available on the BOP. The issues discussed in the presentation include:
- Eligibility for the BOP
- Automatic Additional and Optional Coverages included and unique to the BOP
-Endorsements available on the policy
- Advantages and Disadvantages of writing a BOP
Insight On Certificates of Insurance & Additional Insureds - 4 CE
Dual Approved Fire & Casualty and Life & Disability
Course Description:
The focus of the class is to discuss the different forms of evidence of insurance including: Certificates of Insurance and Evidence of Insurance forms. The issues discussed in the presentation include:
- Choosing the form of notification of the existence of insurance depending on the types of coverages being offered
- Review of what information should be included on the forms
- Understanding the impact of the changes to the Certificate of Insurance form in the most recent edition date
Insight On Commercial Property - 4 CE
Fire & Casualty License
Course Description:
The focus of the class is to discuss the commercial property form series. The issues discussed in the presentation include:
- Background on underwriting the commercial property risk from the standpoint of hazards and exposures
- Types of commercial property forms available
- In depth review of the forms and endorsements with an emphasis on property covered; property subject to exclusions and limitation; endorsements available; and other types of insurance available to fill in the gaps of coverages
Insight On Common Mistakes and Exposures - 4 CE
Dual Approved Fire & Casualty and Life & Disability
Course Description:
The focus of the class is to discuss types of common mistakes that are made in identifying insureds exposures to risk and submitting for coverage appropriately to provide insurance for those exposures. The issues discussed in the presentation include:
- Review of the transactional process of completing applications, proposals, and coverage placement
- Review of various types of policies to identify specific areas where mistakes in coverage are made including property, liability, auto and workers compensation
Insight On Crime Insurance - 4 CE
Fire & Casualty License
Course Description:
The focus of this class is to discuss the various crime coverages and the exposures faced by different types of businesses. The issues discussed in the presentation include:
- Definitions of the different Crime Insuring Agreements
- Employee Dishonesty, ERISA requirements, limit of insurance concerns
- Money & Securities coverage for both inside and outside the premises
- Computer Fraud;Extortion: Product Extortion; Website Extortion and Kidnap and Ransom
Insight On E-Business Risk and Insurance - 2 CE
Dual Approved Fire & Casualty and Life & Disability
Course Description:
The focus of this class is to review the risk exposures facing every business today involving use of technology. The issues discussed in the presentation include:
- Property exposures for loss of data through hackers, denial of service attacks and fraud
- Identity theft
- Consequential loss of income from the direct losses - 4 CE
- Third party liability arising out of invasion of privacy, copyright infringement, trade and service mark infringement
- Crime exposures Insurance solutions
Insight on Equipment Breakdown Insurance
Course Description: The Commercial Property forms have exclusions and limitations relating to boilers and equipment and types of losses that can damage equipment. . This course will discuss those limitations and will review the coverages available on an Equipment Breakdown Policy.
Insight On Errors and Omissions - 4 CE
Dual Approved Fire & Casualty and Life & Disability
Course Description:
The focus of this class is how to avoid and minimize the impact of errors and omissions. The course will focus on the topic of E & O from five perspectives:
- Procedures
- Responsibility to the client, insurance carrier and compliance with regulations
- Implementation of procedures and overseeing their effectiveness
- Documentation
- Education
Insight on Essentials of Commercial Property
Course Description: This course will discuss the basics of commercial property insurance covering such issues as: blanketing; coinsurance/margin clauses; valuation; structuring of the policy in terms of limits and capacity; building ordinance; and endorsements applicable.
Insight on Ethics and Privacy
Course Description: The Department of Insurance in California requires that licensed broker/agents take an ethics class in order to renew their license. This class satisfies the Ethics requirement.
Insight On Ethics and the Insurance Industry - 4 CE
Ethics
Course Description:
The focus of this class is to study Ethics and the Insurance Industry. Ethics is a required course by the Department of Insurance in most states. The issues discussed in the presentation include:
- Background on “ethics” and ‘morality” from a historical and current day perspective
- Meaning of Ethics
- Ethics in the insurance industry
Insight on Homeowners Insurance
Course Description: This class will discuss the Homeowners Policy in terms of eligibility; coverages applicable for both property and liability; limitations and exclusions and endorsements available.
Insight on How to Avoid Errors and Omissions
Course Description: This course will discuss the most common causes of errors and/or omissions and how to avoid them from occurring. From simple issues as documentation to new digital requirements, this course will use real claims examples to highlight errors that agency personnel need to be aware of and avoid.
Insight on How to Complete a Business Income Worksheet
Course Description: This class will begin with reviewing basic accounting issues relating the service, retail and manufacturing risk. We will then look at components of financial statements to determine what information is required for completion of a worksheet. Using the ISO worksheet as an example, we will look at the required information on the worksheet and train how to take the information from the financials to complete the worksheet. Lastly, the class will focus on "coinsurance" and choosing the correct percentage based on the client's requirements for coverage
Insight on How to Insure Home Businesses
Course Description: The business model has changed with more companies closing their doors and conducting their operations out of their homes. Home-based businesses present unique exposures and traditional personal lines policies, such as Homeowners and Personal Auto policies, have limitations that need to be reviewed. This course will look at exposures; coverage limitations and solutions for the "cottage industry" risk.
Insight on How to Insure the "Manufacturing Risk"
Course Description: The class will review the exposures of the various types of manufacturers from the small to large; domestic to international; self sufficient to operationally reliant risks. Coverage analysis will include property, casualty and ancillary lines such as intellectual property and transportation.
Insight on How to Insure the "Winery Risk"
Course Description: This class will focus on the winery risk reviewing exposures and solutions from the vine to the wine. The class will review exposures of: growing; processing/manufacturing and sales. Wineries are traditionally involved in many other business ventures including: retail product sales of non-wine products; agri-tainment such as wine tasting, special events; restaurants on winery premises and much more. Laurie Infantino, one of the instructors on this class, designed the "winery checklist" which has been sold throughout the country as a tool for choosing the correct coverages for this complex segment of insurance.
Insight on Insurance Applications and Certificates of Insurance
Course Description: In reviewing any account the process begins with reviewing the insurance proposal; application; binders; certificates and policy issued. This course will discuss that process focusing on correctly completing the application and issuing evidence of insurance or certificates of insurance.
Insight On Insurance Proposals and Submission - 2 CE
Dual Approved Fire & Casualty and Life & Disability
Course Description:
The focus of this class is to how to prepare a submission of insurance to an insurance company that is comprehensive and accurate. This topic is important to avoiding errors and omissions in policy issuance. The issues discussed in the presentation include:
- The basics of coverage submissions
- Review the account to identify exposures and complete the application with accurate information
- How to create proposals in conformance with the coverages being provided and inclusion of necessary disclaimer language.
- How to avoid errors in the issuance of Binders and Certificates of Insurance
Insight on Intellectual Property Insurance
Course Description: This course will discuss the exposures and insurance solutions for companies that hold patents; copyrights; trademarks or other types of intellectual property. The CGL no longer responds to most types of IP claims. This class will review discuss the types of property that qualifies under Intellectual Property law; the coverages, exclusions and limitations for IP under the CGL; and the coverages provided on a stand alone Intellectual Property Policy.
Insight on Insuring the Commercial Property Risk
Course Description: This class will discuss the Commercial Property Policy in terms of coverages available; causes of loss; limitations and exclusions and common endorsement available.
Insight On Insuring the Manufacturing Risk - 4 CE
Dual Approved Fire & Casualty and Life & Disability
Course Description:
The focus of this class will review the exposures and coverage solutions for the manufacturing risk. The issues discussed in the presentation include:
- Manufacturing risk analysis into issues such as relationships and dependencies; locations; entity analysis; and product analysis
- Insurance products available including property; liability; transportation; international products; product recall and contamination; and Intellectual Property
Insight On Niche Marketing and Account Management - 4 CE
Dual Approved Fire & Casualty and Life & Disability
Course Description:
The focus of this class will be to identify how to target market business industries and manage accounts within classes of industry. The issues discussed in the presentation include:
- The importance of becoming an expert in specific markets from an industry and insurance company perspective
- Avoiding errors and omission in placement by increased knowledge and specialization in specific business segments
- Discussion of unique insurance coverages and exposures based on specific industries
- How to “sell” to a niche market rather than on a case by case basis
Insight on Personal Auto Insurance
Course Description: This class will discuss the Personal Auto Policy in terms of eligibility; coverages applicable; limitations and exclusions and endorsements available.
Insight On Property Valuation Clauses - 4 CE
Fire & Casualty License
Course Description:
The class will focus on the importance of valuation clauses in property policies including both in personal lines and commercial. The issues discussed in the presentation include:
- Limit setting as well as how claims are settled based on valuation
- Review of policy language relating to valuation
- Endorsements available to modify the valuation clauses
- Specialty valuation classes available base on specific types of businesses such as wineries
Insight on Property Valuation for Both Personal and Commercial Lines
Course Description: This course will discuss the valuation clauses found in both the homeowners and commercial property forms. Specific attention will be spent on such issues as: replacement cost; functional replacement cost; actual cash value; stated/stipulated value; selling price; and stated value laws.
Insight on The Business Owners Policy (BOP)
Course Description: Business Owners Policies have become a very popular solution to the small to medium size commercial lines account. This course will review the eligibility for a BOP; the coverages provided for both Property and Liability and the endorsements available on the policy.
Insight On The Personal Auto Policy - 4 CE
Fire & Casualty License
Course Description:
The focus of this class is to review the Personal Auto Policy (PAP). Some of the issues discussed in the presentation include:
- Concept of legal liability and types of damages payable under the liability section of a PAP
- In depth review of the PAP policy and available Endorsements
- Underwriting the PAP policy and insureds
Insight On Policy Words and Phrases - 4 CE
Dual Approved Fire & Casualty and Life & Disability
Course Description:
The focus of this class is to discuss the importance of “reading” insurance policies to identify words and phrases that can impact coverage. The topics discussed will include:
- How forms have changed and inserted words that have modified and sometimes eliminated key coverages
- Review of specific policy types including property ;business income; and liability forms
Insight On the Top Ten Misunderstood Commercial Property Issues and Solutions - 4 CE
Fire & Casualty License
Course Description:
The focus of this class is to discuss the top ten most misunderstood areas of property insurance that give rise to errors and omissions. The topics discussed will include:
- Coinsurance on both property and business income
- Blanket and Margin Clauses
- Tenants Improvements and Betterments
- Building Ordinance for both property and business income
- Spoilage vs. Consequential
Insight On Time Element Insurance - 4 CE
Fire & Casualty License
Course Description:
The focus of this class is to discuss Time Element Coverages with an emphasis on the Business Income Form. The issues discussed in the presentation include:
- Understanding the general purpose of the Time Element Coverages
- Identifying the exposures that businesses have that create the need for Business Income Insurance
- The types of endorsements available for Business Income
- The basics of arriving at the correct amount of insurance on Business Income
Insight On Transportation Insurance - 4 CE
Fire & Casualty License
Course Description:
The focus of this class is to discuss transportation insurance from both a property and liability perspective. The topics discussed will include:
- Identifying the various modes of transportation and providing first party transportation coverage as opposed to relying on the coverages available by common or contract carriers
- Review of the Business Auto and Trucker’s Liability
- Customer transfer of risk to hauler; liability to third parties; loading and unloading and insurance response
Insight On Workers Compensation Insurance - 4 CE
Dual Approved Fire & Casualty and Life & Disability
Course Description:
The focus of this class is to discuss the workers compensation insurance. The topics discussed include:
- Background on Workers Compensation Insurance and how it differs from state to state based on laws and regulations
- Purpose of Workers Compensation and common law defenses
- Basics of underwriting in terms of rates and policy structure