Agency Management Basics
7 steps to hiring great employees ... Read more ... ​

The benefits of a dedicated marketing team
Partnering with a dedicated marketing team leads to increased sales, personalized service, and streamlined productivity, all while keeping insurance agents focus on the thing they do best: keeping clients protected.

The anatomy of a producer agreement
It is extraordinarily important for parties to an agreement to review and comprehend its terms. Read More
​
The Insurance Industry Is Giving Back to Disabled Vets: Your Help is Needed 

Personal Auto Insurance Basics
Determining Your Car's Value and Cost of Repair

Homeowner's / Renter's Insurance Basics
Tax Deductions for Unreimbursed Losses

Informed Citizen: Renters Insurance Video​

My homeowners' policy covers that?
From falling objects to stolen credit cards, homeowners' insurance covers some uncommon issues. Read more

Miscellaneous Personal Lines 
Sewer Backup

Small Business Insurance Basics
​Understanding Business Owners Policies (BOPs) Article

Errors & Omissions Prevention
E&O Tip on "Broker of Record letters A Potential E&O Issue?" (482 words)
http://agentsofamerica.org/page.php?id=1575

Insurance Fraud Prevention
Colossal crash ring in permanent reverse
http://www.insurancefraud.org/article.htm?RecID=3453

Ethics in the Insurance Industry
If you appreciate the kindness shown you by others, say it with actions as well as words.
The people who enjoy the greatest financial and personal success in life are those who build lasting relationships — with business associates, friends, co-workers, and others. They take the time and trouble to stay in touch, and they make sure that when someone does a good deed for them, they respond in kind. Build your network of personal and professional friends by taking the initiative and being a friend.

Smile A While
​A retired insurance agent, now in his mid-70's and about to receive anesthesia, is on the operating table awaiting surgery. He insisted that his son, a renowned surgeon, should perform the operation.
The old man signaled to speak to his son.
"Yes, Dad, what is it?" asked the son. "Don't be jittery son, perform your best, and never forget that if it fails, if something should happen to me, your mother will live with you and your wife the rest of her days."
​
Insurance Coverage en Español
http://www.iii.org/es/insurance-topics/all-coverage-en-espanol

​Commercial Lines Quizzes
CCIP Update: Surety and the Construction Risk

CCIP Update: Surety and the Construction Risk

CCIP #1 – Green Building

CCIP #2 Builder's Risk: Installation Floater: Soft Cost

CCIP 2 Builders Risk: Installation Floater: Soft Cost (2020) 

CCIP #3 Contractors Equipment: Mobile Equipment: Mobile Business Interruption (2019)

CCIP #3 Contractors Equipment; Mobile Equipment; Mobile Business Interruption (2020)

CCIP #4 Construction Contracts: Property and Liability

CCIP #4 Construction Contracts: Property and Liability (2020)

CCIP #5 - Contractors General Liability: Your Work and Completed Operations

CCIP #6 - Construction Defect

CCIP #6a - Construction Defect

CCIP #7 – Indemnity and Additional Insureds 

CCIP #7a: Indemnity and Additional Insureds

CCIP Update: Changing Legal Landscape and Insurance Landscape for Contractors

CCIP #10 Professional Liability

CCIP #11: Case Study on GC vs. Sub-Contractor

CCIP #11a Case Study on GC VS. Sub Contractor Issues and Solutions

CCIP Update: Changing Legal and Insurance Landscape for Contractors
CLIC #1 Overview of Commercial Property Exposures and Insurance Solutions

CLIC #2 Overview of Liability (2019)

CLIC #2 Overview of Liability (2020) 

CLIC #3 Non-Profits Business Segment Exposures and Insurance Solutions

CLIC #4 Technology Industry Insurance Exposures and Solutions

CLIC #4 - Technology (2018)
 
CLIC #4 Technology Industry Insurance Exposures and Solutions (2020)

CLIC #5 Manufacturing Business Segment Exposures and Insurance Solutions

CLIC #6 Retail/Wholesale Business Segment Exposures and Insurance Solutions

CLIC #7 Auto/Garage Business Exposures and Insurance Solutions

CLIC #8 Property Management Business Segment Exposures and Insurance Solutions

CLIC #9 - Food Industry and Restaurants Business

CLIC #10 Hospitality Business Segment Exposures and Insurance Solutions
​
CLIC #11 - HealthCare Business Segment Exposures and Insurance Solutions

CLIC #12 Educational Institutions Business Segment Exposures and Insurance Solutions
​
CLIC #12a - Educational Institutions Business Segment Exposures and Insurance Solutions

CLIC Update Agricultural Business
​
CLIC Update: Winery Business

CLIC Update: Winery Insurance Issues and Solutions 

WCIP #1 Workers Compensation Overview (2020)

WCIP#1: Workers Compensation Overview (2019)

WCIP #2 Workers Compensation Coverage Overview and Benefits (2020)

WCIP #2 Workers Compensation Coverage Overview and Benefits (2019)

WCIP #3: Workers Compensation Review of: Applications; Policy Form and Endorsements (2020)

WCIP #3: Workers Compensation Review of: Applications; Policy Form and Endorsements (2019)

WCIP #4: Miscellaneous Workers Compensation Coverages: Foreign, Federal and Marine
​
WCIP #5: Workers Compensation Calculating Premium and Final Audit

WCIP #6 Workers Compensation Experience Modifications

WCIP #7 - Workers Compensation Alternative Risk Solutions

WCIP #8 Workers Compensation Fraud
​
WCIP #9 Workers Compensation Risk Management (Be Proactive Rather Than Re-Active)​

WCIP #10 Workers Compensation Claims Handling

​WCIP #11 Medicare Set-Asides and Workers Compensation

WCIP #12 Workers Compensation Exposures and Solutions by Business Segment

​

Video #1: How to insure Garages

Video #2: Risk Overview

Video #3: Garages Questionnaire Pt. 1

Video # 4: Garages Questionnaire Pt. 2

Video #5: Business Personal Property Pt. 1

Video #6: Business Personal Property Pt. 2

Video #7: Inland Marine - Accounts Receivable

Video #8: Crime - Employee Dishonesty

Video #9: General Liability Pt. 1

Is Policy Language Always Sufficient?
Insurance policies are simply contracts and, when disputes arise, policy language is often relied upon to support arguments for or against coverage. This is a major reason why clear wording is very important. Court cases are a significant source that triggers changes in policy language. They may occur either through the impact of actual cases or indirectly through changes in law that have their origins in addressing wider spread situations on how insurance responds to certain types of losses. Examples involve confusion over water-related losses, concurrent causes of loss and confusion over how the word “insured.”
With regard to more parties being granted insured status, insurers recognize that coverage obligations should be extended under certain circumstances. However, carriers want to have sufficient knowledge of parties that they may be obligated to reimburse or defend against claims.
Click here for an excerpt of wording on “Who Is An Insured” found in the ISO Commercial General Liability’s coverage analysis in PF&M.

Video #10: General Liability Pt. 2

Video #11: Environmental Impairment

Video #12: Business Autos

Video #13: Workers Compensation

Click Here to continue to Lesson #5