Agents' Legal Responsibility

We will explore the legal environment of today’s insurance marketplace, the agents’ personal responsibilities, the legal relationships of Agency, and some common problems and defenses against claims.

Every business faces a significant liability risk today; insurance agents face an additional risk. It is the risk of being sued for professional activities, we call E&O. Statistics show agents are getting sued, and E&O claims are increasing both in frequency and severity.

Auto A, B, C's

We will study the basic concepts of personal auto insurance, including the eligibility, definitions, and exclusions of Part Liability Coverage, Part B – Medical Payments Coverage and Part C – Uninsured Motorists Coverage.

Auto Provisions, Endorsements & Premiums

We will discuss Part D (Coverage for Damage to your Auto), the insured’s duties after an accident or loss, and general provisions. We will talk about various endorsements, and some commonly asked questions about personal auto premiums.

Beyond the Homeowner's Policy

This course takes a look at specialty vehicles, watercraft and inland marine exposures. We will review the limitations under basic homeowner and auto policies, ways to cover these risks, and the underwriting elements of each.

BOP Liability Coverages, Conditions & Endorsements

We will discuss liability coverages of the small business owner, including their exposures and exclusions under the BOP. Then we will review common BOP policy conditions & endorsements.

Concerns of the Aging

focuses on the health care and financial needs of an aging population. These concerns may affect your clients, your parents and/or yourselves. We will examine the durable powers of attorney, Federal Programs, revocable living trusts and some basic elements of estate planning.

Delivering Quality Service

Ethical Insurance

Ethics at Work

Ethics In Life

We will discuss ethical issues involving Life insurance, including ethical illustrations, the ethics of rebating and replacing, and consumer expectations.

Ethics, Compliance & Market Conduct

We will discuss the root of ethics, and how consumer protection and a litigious society changes how we do business today. We will review different Codes of Ethics and Insurance Industry regulations.

Health Care Today

Your opinion of the health care industry is directly affected by your role in it. This course will analyze the opinions from the American public, employers, and the health care providers.