Understanding Excess & Surplus
A detailed look into the Excess and Surplus lines marketplace will be reviewed. The following will be addressed in this course: Definitions Admitted Insurer Non-Admitted Insurer Wholesale Broker Managing General Agent What is Surplus Lines? Coverage for Unique and hard-to-place risks Regulations Taxes and Fees Coverage Differences ****This course lasts 1 consecutive hour**** To enroll…
Learn MoreEarthquake/ Flood Overview
A quick refresher for flood and earthquake insurance is provided in this class. Rating, coverage and market availability will be reviewed. The following will be addressed in this course: Why these policies are important A detailed look into the history of these coverages What coverages are provided on these policies deductibles exclusions limits of insurance…
Learn MoreProtection Class Fire Mapping
Two of the rating factors in a homeowners policy are protection class and fire mapping. The student will be provided first-hand information on what protection classes are and how fire mapping, both rating factors impact the cost of coverage and the ability to place coverage with specific carriers. The following will be addressed in this…
Learn MoreHow to Read a Clue/MRV Report
Do you have a hard time trying to understand a Motor Vehicle Report (MVR) or CLUE report? We break down how to read these reports as well and the processes needed to dispute items on the document. The following will be addressed in this course: What is a CLUE Report? How long do claims stay…
Learn MoreSales & Marketing
We will review two essential aspects of an insurance agency, Sales and Marketing. When you think of an insurance agency’s sales and marketing aspects, the questions that always come to mind are. How do I market to my prospect? How do I ask the key questions to close the sale? How do I approach new…
Learn MoreClaims
The student will review a hypothetical claims scenario and learn best practices for claims handling and how to prevent Errors and Omissions claims. Particular subjects addressed include: What critical things to say and NOT say when a client calls in with a claim What to do when multiple policies potentially cover a claim How to…
Learn MoreCyber Liability
The student will explore in detail Cyber Liability, the different types of cyber-attacks, and the coverages needed to insure cyber exposures properly. Underwriting principles for each of these coverages are reviewed, as well as information on the application process. Particular topics covered include: Defining cyber insurance and describing its scope and categories Discussion of the…
Learn MoreComplex Personal Lines
The participant will explore the world of personal lines insurance. The course provides the student with a detailed look into personal lines insurance. The following topics will be addressed in this course: Automobile: Premium Factors / Policy Credits Policy Format / Definitions Policy Exclusions & Endorsements Homeowners / Dwelling Fire: Premium Rating Factors Policy Format…
Learn MoreComplex Workers Compensation
Worker’s compensation policies go far deeper than providing coverage for employees and providing employers, employers liability coverage. We will explore the different rating programs available and how to guide our clients through the various types of programs. We will also investigate: Request for Proposal (RFP) definition, outline, and preparation an RFP response Risk Overview Initial…
Learn MoreComplex Restaurants
Understanding the nuances of creating an insurance program for a large fine dining establishment with three locations in two different states, can be complicated. The student will be challenged by the broad array of offerings the restaurants provide while investigating the underwriting of this type of risk and creating insurance solutions for their exposures along…
Learn MoreComplex Garage
The student will participate in creating comprehensive insurance program for a multi-state, multi-faceted garage risk. The student will experience working on a garage risk that has the following: used car dealerships, auto body repair shops and automobile service shops. While working on this risk, you will learn about coverages needed to properly protect this risk,…
Learn MoreComplex Contractors
Large commercial General Contractor Risks require an in-depth review to create a solid insurance program. Throughout this course, the student will need to uncover coverage needs, underwriting considerations, coverage alternatives and risk management solutions. During this course we will delve into: Request for Proposal (RFP) definition, outline, and preparation an RFP response Risk Overview Initial…
Learn MoreComplex Apartments
Quoting a large commercial Apartment Complex is complicated. Throughout this course, the student will need to research large property values, varied liability exposures, and underwriting considerations and recommend coverages and tools to help clients with their insurance needs. We will delve into: Request for Proposal (RFP) definition, outline, and preparation of an RFP response Risk…
Learn MoreHigh Networth
Learn the unique insurance coverage needs and how to protect your high net worth customer’s assets. We will review underwriting principles for each coverage, as well as multiple exposures your client has. The following will be addressed in this course: Who is a High Net Worth / Affluent Client? Characteristics of a high net worth…
Learn MoreRV’s and MORE
Learn the different types of recreational vehicles in each category and how to insure them properly. We will review underwriting principles for each coverage and multiple exposures unique to recreational vehicle types. The following will be addressed in this course: Motorhomes Identifying class types Truck Campers, Fifth-Wheels, and Travel Trailers Features of truck campers Features…
Learn MoreComprehensive Personal Lines
We will take an in-depth look at personal lines insurance. Topics include various homeowner and auto forms, endorsements, and umbrella forms. The following courses are included in this class: Avoiding Errors and Omissions Excess and Surplus Lines Introduction to Claims Replacement Cost Estimator / Guide for Home and Dwelling Fire Protection Class – Fire Mapping…
Learn MorePersonal Auto Policy
We will examine the insurance coverages pertinent to the personal auto policy (PAP), as well as what is not covered. The following will be addressed in this course: Eligibility Requirements Vehicle ownership Vehicle types & acceptable vehicle use Rating Factors Driver influenced rating factors Vehicle influenced rating factors Liablity coverage Coverage limits Exclusions Conditions Definitions…
Learn MoreHomeowners Insurance
We will examine the various homeowners insurance coverages and policies, including an in-depth review of additional coverages. The following will be addressed in this course: Home Insurance Policy Forms Covered Perils (Open vs Named) Exclusions Home Policy Coverage Coverage A Dwelling Coverage B Other Structures Coverage C Personal Property Special limits for personal property coverage…
Learn MoreHomeowners Endorsements
Homeowners policies can be revised by adding endorsements to the policy form. We will investigate the many endorsements that can be added to the various homeowners policies, and how they affect coverage. The following will be addressed in this course: Investigation of property endorsements such as: Additional insureds Building additions Inflation guard A breakdown of…
Learn MoreHomeowners Insurance to Value
Understanding of the importance of a home’s insurance to value is important when writing homeowners insurance. The participant will learn about the history and present components when calculating insurance values as well as industry challenges. The following will be addressed in this course: Understanding Replacement Cost vs. Market Value The History of Insurance to Value…
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