Video #1: Coinsurance Clause & How It Works

Video #2: How to explain Coinsurance to a Client

Video #3: Value of the covered property at the time of loss

Video # 4: The coinsurance percentage selected

Video #5: The limit does not have to be value X percentage

Video #6: 5 steps on how to calculate the penalty

Video #7: Example on calculating the coinsurance penalty

Video #8: Example 1 (Adequate Insurance)

Video #9: Example 2 (Inadequate Insurance)

Video #10: Example 3 (Over-Insurance)

Video #11: Coinsurance Clause & Blanket Insurance

Video #12: Example of Blanket Insurance Coinsurance

Video #13: Coinsurance Clause & Valuation of Property

Video #14: Coinsurance Clause & Agreed Value

Agency Management Basics
Use jargon with your prospect; lose the sale
For many of us, knowledge and specialized lingo are powerful ... in costing us business. …Read more

​A History of Agency Aggregators, Clusters and Networks 

Finding your insurance agency's voice and sharing its message
Knowing what your insurance agency does best is the first step towards creating an authentic, powerful marketing message. We've got some ideas to help you get started.

Agency Book of Business Statistics for Buyers and Sellers
5 ways to reduce employee theft
If your employees think you are keeping an eye on them, they are less likely to take things that don’t belong to them. …Read more


Personal Auto Insurance Basics
Insuring a Leased Car

Homeowner's / Renter's Insurance Basics
Can I own a home without homeowners insurance?

Loss History Reports: Learning About Your New Home Video

Miscellaneous Personal Lines 
Insuring a Vacation Home

Small Business Insurance Basics
Covering Losses with Business Interruption Insurance
​
5 keys to prospecting Commercial Lines effectively
Improving a new producer's closing ratio begins with the selection of accounts to pursue. The idea is to look for accounts with the highest potential for closing. Here are some questions the producer should ask.…Read more

Errors & Omissions Prevention
Agency E&O Case: False Information, Forged Signature and Policy Exclusion

Insurance Fraud Prevention
Playing with fire burns homeowners and hired torch
http://www.insurancefraud.org/article.htm?RecID=3118

Ethics in the Insurance Industry
​Trying to get without first giving is as fruitless as trying to reap without having sown.
The Bible states that we reap what we sow. The most fertile soil in the world is barren unless seeds have been properly planted, cultivated, and nurtured. The relationship between giving and getting is constant in everything you do. To succeed in any endeavor, you must first invest a generous portion of your time and talents if you expect ever to earn a return on your investment. You have to give before you get. It’s all a matter of attitude. You may occasionally be disappointed if you are not rewarded for your efforts, but if you demand payment for your services before you render them, you can expect a lifetime of disappointment and frustration. If you cheerfully do your best before asking for any compensation, you can expect a bountiful harvest of the greatest rewards life has to offer.

Smile A While
War does not determine who is right - only who is left.
​
Insurance Coverage en Español
http://www.iii.org/es/insurance-topics/all-coverage-en-espanol

​Ethical Questions for Insurance Brokers Agents - You Be The Judge

Claims Made Critical Issues

Directors and Officers Liability

Political Risk and Kidnap and Ransom

Business Auto Policy

Commercial Property Valuation Gaps and Solutions

Brokers Fees and Working with E&S Surplus Lines Market Place

Commercial General Liability Endorsements: Putting The Pieces Together

Additional Insureds

Certificates of Insurance

Best Practices of Quality Customer Service

Ethical Questions for Insurance Broker Agents

Insurance Issues Relating to the Independent Contractors Versus Employee and PEO

Tenants Improvements and Betterments and Insurance

Non-Profit Business Exposures and Insurance Solutions

Insight on Products Liability and Products Recall

Business Income - The Five Key Considerations in Limit Setting

Insight on Best Practices of Quality Customer Service

MVR Maintenance and Privacy Laws

Commercial Crime

Contractors General Liability: Your Work and Completed Operations
​
Legal Liability (2019)

Commercial Property… Putting the Pieces Together

Commercial General Liability Endorsements … Putting The Pieces Together (2020)
 
Logistics … “Where Property Insurance Begins in the Supply Chain Risk Management

Insurance Issues Relating to Independent Contractors vs. Employee and the PEO Solution

EPLI Insurance Issues and Solutions

Condominium - The Five Key Issues You Must Know to Insure the Association and the Unit Owner

Wage and Hour

Building Ordinance

Understanding "Coinsurance" on a Commercial Property and Business Income Form

Condominium Case Study

​Certificates of Insurance
​
Marijuana Exposures and Insurance Solutions - “Seed to Sale”

​RC vs ACV

Business Owners Policy

Commercial General Liability: Putting the Pieces Together

Business Income Five Key Issues You Must Understand

Business Income Limit Setting

​Marijuana Exposures and Insurance Solutions

Stock Throughput
 
Supply Chain Insurance

Commercial Property Endorsements... Putting the Pieces Together

Commercial Property – Putting the Pieces Together

Foreign Insurance

Common Mistakes and Exposures Commercial Lines

Transportation Coverage

Website Review

Trucking Problems and Solutions

Click Here to continue to Lesson #7