EDUCATION CALENDAR

ATTENTION - ALL CLASS COMMUNICATIONS WILL BE SENT TO THE EMAIL ADDRESS WITH WHICH YOU REGISTER! 

Questions? Contact the Big I Maryland Education Department at education@bigimd.com or (410)-766-0793. 

Education Calendar

    • May 24, 2024
    • 11:00 AM - 1:00 PM
    • ABEN Webinar

    Understanding Trucking & Motor Insurance (ABEN)

    Course #109144 | 2 P&C

    Trucking coverage and Motor Carrier coverage are very similar, but each is designed for different types of risks and somewhat different operations. This session focuses on the similarities of these coverage forms as well as the differences between them.

    Primary vs. excess coverage is unique in trucking and motor carrier coverages because a contract can change the “natural order" of the policy. Which policy is primary and which is excess? It depends. And this can be different for the trailer. A key section of this class details primary vs. excess coverage.

    What about the MCS-90? What does this endorsement do when it is attached to the policy? Many agents just throw it in without considering the ramifications. That's…bad. Learn the purpose and effect of the MCS-90.

    • May 24, 2024
    • 1:00 PM - 3:00 PM
    • ABEN Webinar

    Why Business Income is the MOST Important Property Coverage (ABEN)

    Course #107666 | 2 P&C

    Business income is the most undersold property coverage – perhaps because it's the most misunderstood and scary – but businesses exist to make money and without income, the business ceases to exist.

    In reality, business income is quite simple once the basic concepts are understood.

    • May 24, 2024
    • 2:00 PM - 4:00 PM
    • ABEN Webinar

    Why Certificates of Insurance...Just Why? (ABEN)

    Course #106085 | 2 P&C

    Without using hyperbole, thousands of certificates of insurance (COIs) are issued every day; and, again without hyperbole, most of them are issued improperly. In fact, your agency may have issued an improper certificate as recently as this morning.

    What is it about COIs that can get an agency in trouble? If there were just one or two things, it would make your job a whole lot easier, but in reality, there are about 27 different ways a COI can get you in trouble. OK, so 27 isn't an exact number, but you get the idea. A "simple" COI is a potentially dangerous weapon that can be used against your agency.

    • May 24, 2024
    • 2:00 PM - 5:00 PM
    • ABEN Webinar

    Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

    Course #109435 | 3 Ethics

    For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

    This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

    The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

    • May 24, 2024
    • 2:00 PM - 5:00 PM
    • ABEN Webinar

    Understanding (and Managing) the Largest Government Benefits: Social Security and Medicare (ABEN)

    Course #109939 | 3 L&H

    The United States government provides various programs to us - two of the largest are Social Security and Medicare. The qualification rules for both are very specific. This three-hour webinar will review the various qualification rules and the complex, and potentially confusing benefits of each program. Additionally, there will be a review of the various insurance products that are available to the Medicare beneficiary that can fill the gaps and a discussion of various products and concepts the Social Security beneficiary can consider so as not to be 100% dependent on that program at retirement time.

    • May 28, 2024
    • 9:00 AM - 12:00 PM
    • ABEN Webinar

    What A Crime - Understanding Crime Insurance (ABEN)

    Course #111652 | 3 P&C

    This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.

    Learning Objectives:

    • Crime insurance triggers
    • Crime coverage forms
    • Crime exclusions and conditions
    • May 28, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Roadmap to Homeowners Endorsements and Personal Inland Marine - Part I (ABEN)

    Course #111008 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    The standard Homeowners policy provides broad coverage designed to meet the needs of the average American homebuyer.  This “average” home owner may be single or married, with or without children, living in a free-standing single-family home. This typical home owner maintains a modest lifestyle, owns no unusual property, has no unusual hobbies or activities and is not the “exciting” cast of characters you would see in a reality TV show or sitcom.

    To keep premiums reasonable—and for other reasons, these standard policies also exclude or limit coverage for insurable exposures that a minority of families face. These excluded exposures create coverage gaps that can often be filled for an additional premium, by modifying the standard policy’s limits or other provisions, adding an appropriate endorsement, or purchasing an additional policy.

    This course is designed to help insurance practitioners identify and overcome many of the coverage gaps, exclusions, limitations, and uninsured exposures their Homeowners clients face. The approach varies by topic, but the general goal is first to discuss circumstances that might create an atypical exposure or a need for additional insurance beyond that provided by a standard policy, and then to explain measures that can be used to eliminate this coverage gap by insuring or otherwise managing the exposure.  

    • May 28, 2024
    • 3:00 PM - 6:00 PM
    • ABEN Webinar

    What To Do With Rental Cars (ABEN)

    Course #111750 | 3 P&C

    This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.

    • Rental Exposures
    • The Rental Agreement
    • Potential Coverage Gaps
    • May 28, 2024
    • 4:00 PM - 7:00 PM
    • ABEN Webinar

    E&O Roadmap to Homeowners Endorsements and Personal Inland Marine - Part II (ABEN)

    Course #111009 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    The standard Homeowners policy provides broad coverage designed to meet the needs of the average American homebuyer.  This “average” home owner may be single or married, with or without children, living in a free-standing single-family home. This typical home owner maintains a modest lifestyle, owns no unusual property, has no unusual hobbies or activities and is not the “exciting” cast of characters you would see in a reality TV show or sitcom.

    To keep premiums reasonable—and for other reasons, these standard policies also exclude or limit coverage for insurable exposures that a minority of families face. These excluded exposures create coverage gaps that can often be filled for an additional premium, by modifying the standard policy’s limits or other provisions, adding an appropriate endorsement, or purchasing an additional policy.

    This course is designed to help insurance practitioners identify and overcome many of the coverage gaps, exclusions, limitations, and uninsured exposures their Homeowners clients face. The approach varies by topic, but the general goal is first to discuss circumstances that might create an atypical exposure or a need for additional insurance beyond that provided by a standard policy, and then to explain measures that can be used to eliminate this coverage gap by insuring or otherwise managing the exposure.  

    • May 29, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Roadmap to Cyber & Privacy Insurance - Part I (ABEN)

    Course #106648 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Our world is changing and we as agents & brokers need to help our clients understand the need to protect their businesses as technology impacts exposures in order to do this, we need to understand the exposure and coverage.

    A business used to feel fully protected when they purchased Property, General Liability, Auto and Workers Compensation.  A variety of emerging issues now require we pay special attention to exposures not adequately covered by the Business Owners or Package Policies.

    • May 29, 2024
    • 4:00 PM - 7:00 PM
    • ABEN Webinar

    E&O Roadmap to Cyber & Privacy Insurance - Part II (ABEN)

    Course #106649 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Our world is changing and we as agents & brokers need to help our clients understand the need to protect their businesses as technology impacts exposures in order to do this, we need to understand the exposure and coverage.

    A business used to feel fully protected when they purchased Property, General Liability, Auto and Workers Compensation.  A variety of emerging issues now require we pay special attention to exposures not adequately covered by the Business Owners or Package Policies.

    • May 30, 2024
    • 10:00 AM - 12:00 PM
    • ABEN Webinar

    An Insurance Horror Story - Hoarders (ABEN)

    Course #111417 | 2 P&C

    This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items. 

    We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

    We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

    • May 30, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

    Course #111763 | 3 P&C

    The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.

    • May 30, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    Demystifying the Business Auto Coverage Form (ABEN)

    Course #111762 | 3 P&C

    The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.

    • May 30, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Roadmap to Policy Analysis - Part I (ABEN)

    Course #110096 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    This course is designed to guide experienced professionals' step by step through the process of reading policy language, applying a basic coverage analysis to look for possible gaps in coverage, and understanding advanced coverage issues. It will explain what to look for in terms of wording, punctuation, and formatting, including negative and positive implications of specific wording. In addition, the course will address E&O loss control issues and help the agency look at ways to obtain and retain business. 

    • May 30, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

    Course #112320 | 3 P&C

    This course qualifies for the Swiss Re premium discounts! As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases. 

    Learning Objectives

    • Evaluating contract law basics
    • Analyzing general laws of insurance
    • Evaluating the construction of the insurance contract
    • Understanding policy language 
    • May 30, 2024
    • 4:00 PM - 7:00 PM
    • ABEN Webinar

    E&O Roadmap to Policy Analysis - Part II (ABEN)

    Course #110097 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    This course is designed to guide experienced professionals' step by step through the process of reading policy language, applying a basic coverage analysis to look for possible gaps in coverage, and understanding advanced coverage issues. It will explain what to look for in terms of wording, punctuation, and formatting, including negative and positive implications of specific wording. In addition, the course will address E&O loss control issues and help the agency look at ways to obtain and retain business. 

    • May 31, 2024
    • 10:00 AM - 12:00 PM
    • ABEN Webinar

    The Many Faces of Insurance Fraud (ABEN)

    Course #111485 | 2 Ethics

    This course will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercies, you'll learn practical strategies for indentifying red flags and responding effectively to safeguard your organization. 

    • May 31, 2024
    • 12:00 PM - 1:00 PM
    • ABEN Webinar

    An Hour of True Crime - Wrong Way Driver (ABEN)

    Course #111424 | 1 P&C

    This course will discuss a four car accident which resulted in multiple fatalities.  Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.

    • June 03, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    E&O Roadmap to Homeowners Endorsements and Personal Inland Marine - Part I (ABEN)

    Course #111008 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    The standard Homeowners policy provides broad coverage designed to meet the needs of the average American homebuyer.  This “average” home owner may be single or married, with or without children, living in a free-standing single-family home. This typical home owner maintains a modest lifestyle, owns no unusual property, has no unusual hobbies or activities and is not the “exciting” cast of characters you would see in a reality TV show or sitcom.

    To keep premiums reasonable—and for other reasons, these standard policies also exclude or limit coverage for insurable exposures that a minority of families face. These excluded exposures create coverage gaps that can often be filled for an additional premium, by modifying the standard policy’s limits or other provisions, adding an appropriate endorsement, or purchasing an additional policy.

    This course is designed to help insurance practitioners identify and overcome many of the coverage gaps, exclusions, limitations, and uninsured exposures their Homeowners clients face. The approach varies by topic, but the general goal is first to discuss circumstances that might create an atypical exposure or a need for additional insurance beyond that provided by a standard policy, and then to explain measures that can be used to eliminate this coverage gap by insuring or otherwise managing the exposure.  

    • June 03, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Roadmap to Homeowners Endorsements and Personal Inland Marine - Part II (ABEN)

    Course #111009 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    The standard Homeowners policy provides broad coverage designed to meet the needs of the average American homebuyer.  This “average” home owner may be single or married, with or without children, living in a free-standing single-family home. This typical home owner maintains a modest lifestyle, owns no unusual property, has no unusual hobbies or activities and is not the “exciting” cast of characters you would see in a reality TV show or sitcom.

    To keep premiums reasonable—and for other reasons, these standard policies also exclude or limit coverage for insurable exposures that a minority of families face. These excluded exposures create coverage gaps that can often be filled for an additional premium, by modifying the standard policy’s limits or other provisions, adding an appropriate endorsement, or purchasing an additional policy.

    This course is designed to help insurance practitioners identify and overcome many of the coverage gaps, exclusions, limitations, and uninsured exposures their Homeowners clients face. The approach varies by topic, but the general goal is first to discuss circumstances that might create an atypical exposure or a need for additional insurance beyond that provided by a standard policy, and then to explain measures that can be used to eliminate this coverage gap by insuring or otherwise managing the exposure.  

    • June 04, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    The Law of Insurance Contracts and the 'Rules' of Policy Interpretation (ABEN)

    Course #106858 | 3 P&C

    Insurance policies are subject to the standard law of contracts; but beyond simple contract law, insurance contracts are bound by unique provisions and requirements specific to insurance. An understanding of these unique legal characteristics is necessary to understand the insurance contract. Once the unusual characteristics of insurance contracts are understood, the rules for reading any insurance policy can be applied. In this class students learn:

    • The basic provisions of contract law; 
    • The unique legal characteristics of insurance contracts;
    • The general construction of insurance contracts;
    • The 'rules' for reading and understanding ANY insurance policy; and 
    • Why exclusions exist 
    • June 04, 2024
    • 3:00 PM - 6:00 PM
    • ABEN Webinar

    Torts, Negligence and Legal Liability (ABEN)

    Course #106859 | 3 P&C

    Coverage Part A of the commercial general liability (CGL) policy begins: “We will pay those sums that the insured becomes legally obligated to pay as damages because of ‘bodily injury’ or ‘property damage’ to which this insurance applies.” Somewhat similar wording is found in the business auto policy, and most “general” liability coverage. These policies extend coverage when the insured is “legally liable” for specific injury or damage. But what is legal liability and how does the insured become legally liable?

    Legal liability is imposed by statute or the courts on the person or entity responsible for causing financial injury or damage to another “person.” Legal liability can arise from intentional acts, unintentional acts or contracts (express or implied). In this class we:

    • Define and differentiate between "public wrongs" and "private wrongs"
    • Introduce the various types of "Torts"
    • Detail the concept of "Negligence"
    • Define "damages"
    • Break down causation and ultimate liability 
    • Introduce several common and unique legal theories related to the degrees of negligence 
    • June 05, 2024
    • 8:00 AM - 10:00 AM
    • ABEN Webinar

    3 Keys to Getting the Named Insured Correct (ABEN)

    Course #106082 | 2 P&C

    Before any claim is paid, status as an insured must exist. Is the person or entity suffering or causing loss, injury or damage an insured? If the answer is no, there is no need to go any further. If insured status does not exist, all your hard work is wasted; no one will ever find out how good you are at designing coverage because you messed up at the beginning.

    • June 05, 2024
    • 9:00 AM - 11:00 AM
    • ABEN Webinar

    4 Key Personal & Commercial Lines Exposures Every Agent Must Understand (ABEN)

    Course #106083 | 2 P&C

    We cover a lot of ground in this 2 hour session – five topics to be exact - but when we are through, you will be better able to explain some of the new exposures, policy issues, and available options. You will also be more at ease with these “disruptors."

    • June 05, 2024
    • 10:00 AM - 12:00 PM
    • ABEN Webinar

    5 Contractor Coverage Concepts Every Agent Must Understand (ABEN)

    Course #106851 | 2 P&C

    Contractor risks are unique. Agents must understand these unique risks, exposures, and coverages to properly manage their contractor clients. This seminar focuses on five of the most common contractor risk exposures:

    • Contractual Risk Transfer 
    • Properly Extending Insured Status
    • Business Auto Issues
    • Misuse of the Absolute Pollution Exclusion 
    • Professional and Pollution Exposures Faced by Contractors

    A lot of material is covered in this fast-moving, two-hour session. Agents will be better prepared to analyze the risks presented by their contractor clients and know how to properly respond to their coverage needs and claims questions.

    • June 05, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    E&O Roadmap to Policy Analysis - Part I (ABEN)

    Course #110096 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    This course is designed to guide experienced professionals' step by step through the process of reading policy language, applying a basic coverage analysis to look for possible gaps in coverage, and understanding advanced coverage issues. It will explain what to look for in terms of wording, punctuation, and formatting, including negative and positive implications of specific wording. In addition, the course will address E&O loss control issues and help the agency look at ways to obtain and retain business. 

    • June 05, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    Demystifying the Business Auto Coverage Form (ABEN)

    Course #111762 | 3 P&C

    The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.

    • June 05, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

    Course #112320 | 3 P&C

    This course qualifies for the Swiss Re premium discounts! As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases. 

    Learning Objectives

    • Evaluating contract law basics
    • Analyzing general laws of insurance
    • Evaluating the construction of the insurance contract
    • Understanding policy language 
    • June 05, 2024
    • 11:00 AM - 1:00 PM
    • ABEN Webinar

    9 Rules for Reading an Insurance Policy Based on the Law of Insurance Contracts (ABEN)

    Course #106089 | 2 P&C

    Insurance policies are subject to the standard law of contracts; but beyond simple contract law, insurance contracts are bound by unique provisions and requirements specific to insurance. An understanding of these unique legal characteristic is necessary to understand the insurance contract. Once the unusual characteristics of insurance contracts are understood, the rules for reading any insurance policy can be applied. 

    • June 05, 2024
    • 12:00 PM - 2:00 PM
    • ABEN Webinar

    An Insurance Horror Story - Hoarders (ABEN)

    Course #111417 | 2 P&C

    This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items. 

    We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

    We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

    • June 05, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

    Course #111763 | 3 P&C

    The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.

    • June 05, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Roadmap to Policy Analysis - Part II (ABEN)

    Course #110097 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    This course is designed to guide experienced professionals' step by step through the process of reading policy language, applying a basic coverage analysis to look for possible gaps in coverage, and understanding advanced coverage issues. It will explain what to look for in terms of wording, punctuation, and formatting, including negative and positive implications of specific wording. In addition, the course will address E&O loss control issues and help the agency look at ways to obtain and retain business. 

    • June 05, 2024
    • 1:00 PM - 2:00 PM
    • ABEN Webinar

    Captives: What Are They and How Do They Work? (ABEN)

    Course #106647 | 1 P&C

    This seminar will examine captive insurance companies and how they function in the insurance marketplace. Discussion topics will include how captives are domiciled, why captives are formed, the different types of captives, what coverages captives usually provide and how captives can benefit independent insurance agencies. 

    • June 05, 2024
    • 2:00 PM - 5:00 PM
    • ABEN Webinar

    The Basics of Property Values & Coinsurance Conditions (ABEN)

    Course #106862 | 3 P&C

    Replacement cost ain’t always replacement cost. Yes, I know that is poor English – but the point is, replacement cost isn’t as simple as new stuff for old junk. There are many caveats and limitations to full replacement cost (if there is such a thing). Key concepts that must be understood when property valuation is discussed include: actual cash value (ACV); the broad evidence rule; and indemnification.

    But what happens if the property limits are too low? Property policies contain a Coinsurance Condition requiring the insured to carry a certain minimum amount of coverage to enjoy full coverage on partial losses. If the insured does not have the requisite limits, they could be penalized.

    • June 06, 2024
    • 8:00 AM - 11:00 AM
    • ABEN Webinar

    The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

    Course #111787 | 3 P&C

    This broad-ranging three hour continuing education seminar is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.  

    • June 06, 2024
    • 9:00 AM - 10:00 AM
    • ABEN Webinar

    An Hour of True Crime - Wrong Way Driver (ABEN)

    Course #111424 | 1 P&C

    This course will discuss a four car accident which resulted in multiple fatalities.  Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.

    • June 06, 2024
    • 11:00 AM - 1:00 PM
    • ABEN Webinar

    Understanding the Importance of Ordinance or Law Coverage (ABEN)

    Course #107665 | 2 P&C

    Insurance agents do a bad job of explaining the concept of "replacement cost." We tend to tell clients they will get new stuff for old junk and while that may be partially true, partial truths get you sued.

    One roadblock to replacement cost is building codes or what we insurance practitioners refer to as ordinances or laws. Unendorsed policies offer only a VERY limited amount of coverage for the increased costs to rebuild due to these ordinances or laws, and when your insured is forced to pay these additional costs out-of-pocket, they are going to be mad!

    • June 06, 2024
    • 11:00 AM - 2:00 PM
    • ABEN Webinar

    Directors and Officers Liability Insurance (ABEN)

    Course #109431 | 3 P&C

    This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

    This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

    The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

    With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.

    • June 06, 2024
    • 1:00 PM - 3:00 PM
    • ABEN Webinar

    The Many Faces of Insurance Fraud (ABEN)

    Course #111485 | 2 Ethics

    This course will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercies, you'll learn practical strategies for indentifying red flags and responding effectively to safeguard your organization. 

    • June 07, 2024
    • 8:00 AM - 11:00 AM
    • ABEN Webinar

    Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

    Course #109435 | 3 Ethics

    For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

    This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

    The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

    • June 07, 2024
    • 8:00 AM - 11:00 AM
    • ABEN Webinar

    Understanding (and Managing) the Largest Government Benefits: Social Security and Medicare (ABEN)

    Course #109939 | 3 L&H

    The United States government provides various programs to us - two of the largest are Social Security and Medicare. The qualification rules for both are very specific. This three-hour webinar will review the various qualification rules and the complex, and potentially confusing benefits of each program. Additionally, there will be a review of the various insurance products that are available to the Medicare beneficiary that can fill the gaps and a discussion of various products and concepts the Social Security beneficiary can consider so as not to be 100% dependent on that program at retirement time.

    • June 07, 2024
    • 8:00 AM - 10:00 AM
    • ABEN Webinar

    Why Certificates of Insurance...Just Why? (ABEN)

    Course #106085 | 2 P&C

    Without using hyperbole, thousands of certificates of insurance (COIs) are issued every day; and, again without hyperbole, most of them are issued improperly. In fact, your agency may have issued an improper certificate as recently as this morning.

    What is it about COIs that can get an agency in trouble? If there were just one or two things, it would make your job a whole lot easier, but in reality, there are about 27 different ways a COI can get you in trouble. OK, so 27 isn't an exact number, but you get the idea. A "simple" COI is a potentially dangerous weapon that can be used against your agency.

    • June 07, 2024
    • 9:00 AM - 12:00 PM
    • ABEN Webinar

    What To Do With Rental Cars (ABEN)

    Course #111750 | 3 P&C

    This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.

    • Rental Exposures
    • The Rental Agreement
    • Potential Coverage Gaps
    • June 07, 2024
    • 9:00 AM - 11:00 AM
    • ABEN Webinar

    Workers' Compensation: 5 Mistakes Every Agent Makes (ABEN)

    Course #106087 | 2 P&C

    Workers' compensation, as a coverage, is simple. A worker gets hurt, the work comp policy pays theoretically. That's the simple part.

    The more complicated areas of workers' compensation involve the state laws and legal doctrines applicable to workers' comp.

    Agents must be able to answer these questions when they arise. But there is much confusion and misinformation surrounding these topics. This session undertakes to introduce and answer these five questions to help prepare agents to better manage their client's usual and unusual workers' compensation exposures.

    • June 07, 2024
    • 12:00 PM - 3:00 PM
    • ABEN Webinar

    What A Crime - Understanding Crime Insurance (ABEN)

    Course #111652 | 3 P&C

    This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.

    Learning Objectives:

    • Crime insurance triggers
    • Crime coverage forms
    • Crime exclusions and conditions
    • June 07, 2024
    • 1:00 PM - 3:00 PM
    • ABEN Webinar

    Understanding Trucking & Motor Insurance (ABEN)

    Course #109144 | 2 P&C

    Trucking coverage and Motor Carrier coverage are very similar, but each is designed for different types of risks and somewhat different operations. This session focuses on the similarities of these coverage forms as well as the differences between them.

    Primary vs. excess coverage is unique in trucking and motor carrier coverages because a contract can change the “natural order" of the policy. Which policy is primary and which is excess? It depends. And this can be different for the trailer. A key section of this class details primary vs. excess coverage.

    What about the MCS-90? What does this endorsement do when it is attached to the policy? Many agents just throw it in without considering the ramifications. That's…bad. Learn the purpose and effect of the MCS-90.

    • June 07, 2024
    • 2:00 PM - 4:00 PM
    • ABEN Webinar

    Why Business Income is the MOST Important Property Coverage (ABEN)

    Course #107666 | 2 P&C

    Business income is the most undersold property coverage – perhaps because it's the most misunderstood and scary – but businesses exist to make money and without income, the business ceases to exist.

    In reality, business income is quite simple once the basic concepts are understood.

    • June 07, 2024
    • 3:00 PM - 6:00 PM
    • ABEN Webinar

    Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

    Course #111650 | 3 P&C

    This course reviews actual claims and court cases from a variety of commercial exposures. Each scenario is discussed from the position of both the actual policy language as well as possible solutions. Types of coverage and claims discussed in this course include Commercial Property Coverage Forms, Business Income, Commercial Auto and Commercial General Liability. 

    • June 10, 2024
    • 8:00 AM - 11:00 AM
    • ABEN Webinar

    Commercial Lines Claims That Cause Problems (ABEN)

    Course #107105 | 3 P&C

    Have you ever found yourself baffled by an adjusters handling of a claim? If not, you may be very new to our industry. This course takes an in-depth look at some of the interesting claims in our business that have left a few agents shaking their heads. We want to make sure it doesn't happen to you. We will examine a variety of commercial lines claims including those involving Commercial Property limits, Leases, ACV vs RC, Business Income triggers and Civil Authority Coverage, "Your Work" and Liquor Liability exclusions, and more.  

    • June 10, 2024
    • 10:00 AM - 11:00 AM
    • ABEN Webinar

    Cyber 101: The Basics of Cyber Insurance (ABEN)

    Course #110906 | 1 P&C

    This seminar is designed to be an introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.

    • June 10, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    E&O Commercial Liability Coverage Gaps & How To Fill Them - Part I (ABEN)

    Course #109622 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving commercial liability insurance. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations.

    • June 10, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    E&O Commercial Property Coverage Gaps & How To Fill Them - Part I (ABEN)

    Course #109585 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving commercial liability insurance. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations.

    On completion of this course, the student should be able to recognize and prevent many of the problems associated with selling and servicing the following:

    • Commercial property insurance
    • Equipment breakdown insurance
    • Business interruption and extra expense insurance
    • Commercial inland marine insurance
    • June 10, 2024
    • 11:00 AM - 2:00 PM
    • ABEN Webinar

    Agency Management Based E&O and Ethics (ABEN)

    Course #109951 | 3 Ethics

    Please Note - This course DOES NOT qualify for any E&O premium discounts!

    This is not your usual Ethics and E&O course. Rather than focusing on what you're doing wrong, this program deals with structuring your agency in a way that will reduce the likelihood of having an E&O claim while firmly establishing proper ethical standards. We will address some issues every organization needs to face such as: Agency Culture, Management Styles, Policy and Decision Making, Team Building, Ethics through Transparency. By establishing a proper culture within the agency, managing E&O exposures and setting professional ethical standards becomes much more efficient and effective. 

    • June 10, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Commercial Liability Coverage Gaps & How To Fill Them - Part II (ABEN)

    Course #109623 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving commercial liability insurance. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations.

    • June 10, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Commercial Property Coverage Gaps & How To Fill Them - Part II (ABEN)

    Course #109586 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving commercial liability insurance. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations.

    On completion of this course, the student should be able to recognize and prevent many of the problems associated with selling and servicing the following:

    • Commercial property insurance
    • Equipment breakdown insurance
    • Business interruption and extra expense insurance
    • Commercial inland marine insurance
    • June 11, 2024
    • 11:00 AM - 1:00 PM
    • ABEN Webinar

    To Be or Not to AirBnb - Sharing Exposures and Insurance (ABEN)

    Course #110192 | 2 P&C

    This course addresses aspects of the emerging sharing economy’s use of personal autos and homes.  It provides a discussion of the nature of these exposures and how Personal Auto policies and Homeowners policies respond.  There is also a brief discussion of the impact these exposures can have on the Business Auto policies.

    Learning Objectives:

    • Discuss the Emergence of the Sharing Economy 
    • Understand the Insurance Applications of Auto Sharing
    • Understand the Insurance Applications of Home Sharing
    • June 11, 2024
    • 12:00 PM - 3:00 PM
    • ABEN Webinar

    Adding Value In Personal Lines (ABEN)

    Course #111211 | 3 P&C

    Our personal lines clients depend upon us to place proper coverages as a major part of their risk management strategy. The property and liability coverages we place on their behalf may ultimately stand between them and bankruptcy in the event of a large loss. This presentation will address the exposures our personal lines clients have which are not well-handled by their unendorsed ISO Homeowners and Personal Auto Policies. A review of endorsements available in these programs will remind the participant that, as all clients are unique, it is routinely necessary to discuss the need for and availability of these very important coverage enhancements. The presentation will conclude with a review of the Personal Umbrella/Excess Liability coverage needs of the personal lines client and discussion of coverages currently available to meet those needs.

    • June 11, 2024
    • 2:00 PM - 4:00 PM
    • ABEN Webinar

    Business Auto Claims That Cause Problems (ABEN)

    Course #12298 | 2 P&C

    When putting a commercial lines package together sometimes we don't give the proper attention to the Business Auto Policy. This policy is full of E&O potential! This course is designed to shed light on the most common mistakes we make when insuring commercially owned vechicles. We will discuss "Who is an Insured", "Additional Insured Endorsements", "Application of Symbols", "Employee Hired Auto", and don't forget the biggest E&O exposure of them all "Drive Other Car". 

    • June 12, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    E&O Professional and Executive Liability Coverage Gaps & How To Fill Them - Part I (ABEN)

    Course #109587 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving professional liability and executive liability coverages. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations. 

    • June 12, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    E&O Roadmap to Personal Auto and Umbrella Insurance - Part I (ABEN)

    Course #110780 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    This course is designed to help insurance producers prevent claims based on alleged errors or omissions in performance of professional duties in selling and servicing personal auto and personal umbrella insurance. In this course:

    • Agent, broker, and producer interchangeable terms
    • Prevent is used in the risk management sense - i.e., reducing the frequency or likelihood of claims

    Focal point of the course: the agent who fully understands and skillfully customizes coverage not only demonstrates his or her value to clients but also avoids errors and omissions (E&O) charges that can result from a failure to meet clients’ needs.

    • June 12, 2024
    • 12:00 PM - 3:00 PM
    • ABEN Webinar

    Ethics - Creating A Winning Culture in the Agency (ABEN)

    Course #109436 | 3 Ethics

    Every organization has a culture, whether you realize it or not.  The question then becomes, does your team recognize, understand, and support a developed culture.  We will discuss the approaches to ethical decision making and how agency culture influences those decisions. We will examine why teamwork is also critical not only for the agency’s financial success, but their ethical success as well.  We will discuss Healthy v. Smart and how that will grow your organization.  In addition, we will look at how to maintain your agency culture with your remote employees.

    • June 12, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Professional and Executive Liability Coverage Gaps & How To Fill Them - Part II (ABEN)

    Course #109588 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving professional liability and executive liability coverages. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations. 

    • June 12, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Roadmap to Personal Auto and Umbrella Insurance - Part II (ABEN)

    Course #110781 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    This course is designed to help insurance producers prevent claims based on alleged errors or omissions in performance of professional duties in selling and servicing personal auto and personal umbrella insurance. In this course:

    • Agent, broker, and producer interchangeable terms
    • Prevent is used in the risk management sense - i.e., reducing the frequency or likelihood of claims

    Focal point of the course: the agent who fully understands and skillfully customizes coverage not only demonstrates his or her value to clients but also avoids errors and omissions (E&O) charges that can result from a failure to meet clients’ needs.

    • June 12, 2024
    • 3:00 PM - 5:00 PM
    • ABEN Webinar

    An Insurance Horror Story - Hoarders (ABEN)

    Course #110016 | 2 L&H

    Planning for retirement took a big turn in the early 1980's with the passing of the Employee Retirement Income Security Act of 1974 (ERISA). This presentation compares retirement planning before and after ERISA. With a much greater responsibility on each individual to decide what is best for their retirement, needs and solutions are emphasized. 

    • June 13, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    Understanding the Insurance Industry: From Regulations to Operations (ABEN)

    Course #106854 | 3 P&C

    Insurance is regulated at the state level, but this has not always been the case. Philosophical differences regarding antitrust and regulation in general have altered the course of insurance regulation twice in just the last 80 years.

    Within this heavily regulated industry, three distinct types or “styles” of insurance exist in the modern economy: 1) Private; 2) Social; and 3) Public Guarantee insurance. Other than most “public guarantee” schemes, insurance carriers provide the majority of insurance products consumed in the US.

    Insurance carriers juggle five main functions and, to varying degrees, three minor functions.  Major functions include: ratemaking; new business production; underwriting; loss adjustment; and investing. Minor carrier functions include engineering and loss control; legal counsel; and accounting.

    • June 13, 2024
    • 1:00 PM - 3:00 PM
    • ABEN Webinar

    Additional Insureds: Issues and Endorsements (ABEN)

    Course #107732 | 2 P&C

    Insureds are always signing contracts for leases, construction agreements, and other situations without talking to their agent about the impact of that contract on their insurance program. We'll take a look at these issues and how they affect the coverage that your insureds think they have. 

    • June 13, 2024
    • 3:00 PM - 6:00 PM
    • ABEN Webinar

    Workers' Compensation and the Law (ABEN)

    Course #109432 | 3 P&C

    This class will look at the legal obligations and defenses of the employer-employee relationship, and how the Workers Compensation system modifies the legal concepts of common law. We will examine the major characteristics of the benefits provided by state workers compensation laws and discuss the coverages provided by the policy including Employers Liability coverage. Several Workers Compensation endorsements will also be reviewed.

    • June 14, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    E&O Roadmap to Cyber & Privacy Insurance - Part I (ABEN)

    Course #106648 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Our world is changing and we as agents & brokers need to help our clients understand the need to protect their businesses as technology impacts exposures in order to do this, we need to understand the exposure and coverage.

    A business used to feel fully protected when they purchased Property, General Liability, Auto and Workers Compensation.  A variety of emerging issues now require we pay special attention to exposures not adequately covered by the Business Owners or Package Policies.

    • June 14, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Roadmap to Cyber & Privacy Insurance - Part II (ABEN)

    Course #106649 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Our world is changing and we as agents & brokers need to help our clients understand the need to protect their businesses as technology impacts exposures in order to do this, we need to understand the exposure and coverage.

    A business used to feel fully protected when they purchased Property, General Liability, Auto and Workers Compensation.  A variety of emerging issues now require we pay special attention to exposures not adequately covered by the Business Owners or Package Policies.

    • June 17, 2024
    • 8:00 AM - 11:00 AM
    • ABEN Webinar

    The Basics of Property Values & Coinsurance Conditions (ABEN)

    Course #106862 | 3 P&C

    Replacement cost ain’t always replacement cost. Yes, I know that is poor English – but the point is, replacement cost isn’t as simple as new stuff for old junk. There are many caveats and limitations to full replacement cost (if there is such a thing). Key concepts that must be understood when property valuation is discussed include: actual cash value (ACV); the broad evidence rule; and indemnification.

    But what happens if the property limits are too low? Property policies contain a Coinsurance Condition requiring the insured to carry a certain minimum amount of coverage to enjoy full coverage on partial losses. If the insured does not have the requisite limits, they could be penalized.

    • June 17, 2024
    • 9:00 AM - 11:00 AM
    • ABEN Webinar

    3 Keys to Getting the Named Insured Correct (ABEN)

    Course #106082 | 2 P&C

    Before any claim is paid, status as an insured must exist. Is the person or entity suffering or causing loss, injury or damage an insured? If the answer is no, there is no need to go any further. If insured status does not exist, all your hard work is wasted; no one will ever find out how good you are at designing coverage because you messed up at the beginning.

    • June 17, 2024
    • 10:00 AM - 12:00 PM
    • ABEN Webinar

    4 Key Personal & Commercial Lines Exposures Every Agent Must Understand (ABEN)

    Course #106083 | 2 P&C

    We cover a lot of ground in this 2 hour session – five topics to be exact - but when we are through, you will be better able to explain some of the new exposures, policy issues, and available options. You will also be more at ease with these “disruptors."

    • June 17, 2024
    • 10:00 AM - 12:00 PM
    • ABEN Webinar

    An Insurance Horror Story - Hoarders (ABEN)

    Course #111417 | 2 P&C

    This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items. 

    We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

    We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

    • June 17, 2024
    • 10:00 AM - 1:00 PM
    • ABEN Webinar

    The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

    Course #111763 | 3 P&C

    The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.

    • June 17, 2024
    • 11:00 AM - 1:00 PM
    • ABEN Webinar

    5 Contractor Coverage Concepts Every Agent Must Understand (ABEN)

    Course #106851 | 2 P&C

    Contractor risks are unique. Agents must understand these unique risks, exposures, and coverages to properly manage their contractor clients. This seminar focuses on five of the most common contractor risk exposures:

    • Contractual Risk Transfer 
    • Properly Extending Insured Status
    • Business Auto Issues
    • Misuse of the Absolute Pollution Exclusion 
    • Professional and Pollution Exposures Faced by Contractors

    A lot of material is covered in this fast-moving, two-hour session. Agents will be better prepared to analyze the risks presented by their contractor clients and know how to properly respond to their coverage needs and claims questions.

    • June 17, 2024
    • 1:00 PM - 3:00 PM
    • ABEN Webinar

    9 Rules for Reading an Insurance Policy Based on the Law of Insurance Contracts (ABEN)

    Course #106089 | 2 P&C

    Insurance policies are subject to the standard law of contracts; but beyond simple contract law, insurance contracts are bound by unique provisions and requirements specific to insurance. An understanding of these unique legal characteristic is necessary to understand the insurance contract. Once the unusual characteristics of insurance contracts are understood, the rules for reading any insurance policy can be applied. 

    • June 17, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Roadmap to Policy Analysis - Part I (ABEN)

    Course #110096 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    This course is designed to guide experienced professionals' step by step through the process of reading policy language, applying a basic coverage analysis to look for possible gaps in coverage, and understanding advanced coverage issues. It will explain what to look for in terms of wording, punctuation, and formatting, including negative and positive implications of specific wording. In addition, the course will address E&O loss control issues and help the agency look at ways to obtain and retain business. 

    • June 17, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    Demystifying the Business Auto Coverage Form (ABEN)

    Course #111762 | 3 P&C

    The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.

    • June 17, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

    Course #112320 | 3 P&C

    This course qualifies for the Swiss Re premium discounts! As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases. 

    Learning Objectives

    • Evaluating contract law basics
    • Analyzing general laws of insurance
    • Evaluating the construction of the insurance contract
    • Understanding policy language 
    • June 17, 2024
    • 3:00 PM - 4:00 PM
    • ABEN Webinar

    Captives: What Are They and How Do They Work? (ABEN)

    Course #106647 | 1 P&C

    This seminar will examine captive insurance companies and how they function in the insurance marketplace. Discussion topics will include how captives are domiciled, why captives are formed, the different types of captives, what coverages captives usually provide and how captives can benefit independent insurance agencies. 

    • June 17, 2024
    • 4:00 PM - 7:00 PM
    • ABEN Webinar

    E&O Roadmap to Policy Analysis - Part II (ABEN)

    Course #110097 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    This course is designed to guide experienced professionals' step by step through the process of reading policy language, applying a basic coverage analysis to look for possible gaps in coverage, and understanding advanced coverage issues. It will explain what to look for in terms of wording, punctuation, and formatting, including negative and positive implications of specific wording. In addition, the course will address E&O loss control issues and help the agency look at ways to obtain and retain business. 

    • June 18, 2024
    • 11:00 AM - 2:00 PM
    • ABEN Webinar

    The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

    Course #111787 | 3 P&C

    This broad-ranging three hour continuing education seminar is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.  

    • June 18, 2024
    • 1:00 PM - 3:00 PM
    • ABEN Webinar

    Understanding the Importance of Ordinance or Law Coverage (ABEN)

    Course #107665 | 2 P&C

    Insurance agents do a bad job of explaining the concept of "replacement cost." We tend to tell clients they will get new stuff for old junk and while that may be partially true, partial truths get you sued.

    One roadblock to replacement cost is building codes or what we insurance practitioners refer to as ordinances or laws. Unendorsed policies offer only a VERY limited amount of coverage for the increased costs to rebuild due to these ordinances or laws, and when your insured is forced to pay these additional costs out-of-pocket, they are going to be mad!

    • June 18, 2024
    • 2:00 PM - 5:00 PM
    • ABEN Webinar

    Directors and Officers Liability Insurance (ABEN)

    Course #109431 | 3 P&C

    This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

    This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

    The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

    With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.

    • June 19, 2024
    • 8:00 AM - 10:00 AM
    • ABEN Webinar

    Why Business Income is the MOST Important Property Coverage (ABEN)

    Course #107666 | 2 P&C

    Business income is the most undersold property coverage – perhaps because it's the most misunderstood and scary – but businesses exist to make money and without income, the business ceases to exist.

    In reality, business income is quite simple once the basic concepts are understood.

    • June 19, 2024
    • 9:00 AM - 11:00 AM
    • ABEN Webinar

    Why Certificates of Insurance...Just Why? (ABEN)

    Course #106085 | 2 P&C

    Without using hyperbole, thousands of certificates of insurance (COIs) are issued every day; and, again without hyperbole, most of them are issued improperly. In fact, your agency may have issued an improper certificate as recently as this morning.

    What is it about COIs that can get an agency in trouble? If there were just one or two things, it would make your job a whole lot easier, but in reality, there are about 27 different ways a COI can get you in trouble. OK, so 27 isn't an exact number, but you get the idea. A "simple" COI is a potentially dangerous weapon that can be used against your agency.

    • June 19, 2024
    • 10:00 AM - 12:00 PM
    • ABEN Webinar

    Workers' Compensation: 5 Mistakes Every Agent Makes (ABEN)

    Course #106087 | 2 P&C

    Workers' compensation, as a coverage, is simple. A worker gets hurt, the work comp policy pays theoretically. That's the simple part.

    The more complicated areas of workers' compensation involve the state laws and legal doctrines applicable to workers' comp.

    Agents must be able to answer these questions when they arise. But there is much confusion and misinformation surrounding these topics. This session undertakes to introduce and answer these five questions to help prepare agents to better manage their client's usual and unusual workers' compensation exposures.

    • June 19, 2024
    • 11:00 AM - 2:00 PM
    • ABEN Webinar

    Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

    Course #109435 | 3 Ethics

    For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

    This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

    The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

    • June 19, 2024
    • 11:00 AM - 2:00 PM
    • ABEN Webinar

    Understanding (and Managing) the Largest Government Benefits: Social Security and Medicare (ABEN)

    Course #109939 | 3 L&H

    The United States government provides various programs to us - two of the largest are Social Security and Medicare. The qualification rules for both are very specific. This three-hour webinar will review the various qualification rules and the complex, and potentially confusing benefits of each program. Additionally, there will be a review of the various insurance products that are available to the Medicare beneficiary that can fill the gaps and a discussion of various products and concepts the Social Security beneficiary can consider so as not to be 100% dependent on that program at retirement time.

    • June 19, 2024
    • 2:00 PM - 4:00 PM
    • ABEN Webinar

    Understanding Trucking & Motor Insurance (ABEN)

    Course #109144 | 2 P&C

    Trucking coverage and Motor Carrier coverage are very similar, but each is designed for different types of risks and somewhat different operations. This session focuses on the similarities of these coverage forms as well as the differences between them.

    Primary vs. excess coverage is unique in trucking and motor carrier coverages because a contract can change the “natural order" of the policy. Which policy is primary and which is excess? It depends. And this can be different for the trailer. A key section of this class details primary vs. excess coverage.

    What about the MCS-90? What does this endorsement do when it is attached to the policy? Many agents just throw it in without considering the ramifications. That's…bad. Learn the purpose and effect of the MCS-90.

    • June 20, 2024
    • 11:00 AM - 2:00 PM
    • ABEN Webinar

    Commercial Lines Claims That Cause Problems (ABEN)

    Course #107105 | 3 P&C

    Have you ever found yourself baffled by an adjusters handling of a claim? If not, you may be very new to our industry. This course takes an in-depth look at some of the interesting claims in our business that have left a few agents shaking their heads. We want to make sure it doesn't happen to you. We will examine a variety of commercial lines claims including those involving Commercial Property limits, Leases, ACV vs RC, Business Income triggers and Civil Authority Coverage, "Your Work" and Liquor Liability exclusions, and more.  

    • June 20, 2024
    • 12:00 PM - 1:00 PM
    • ABEN Webinar

    Cyber 101: The Basics of Cyber Insurance (ABEN)

    Course #110906 | 1 P&C

    This seminar is designed to be an introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.

    • June 20, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Roadmap to Homeowners Endorsements and Personal Inland Marine - Part I (ABEN)

    Course #111008 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    The standard Homeowners policy provides broad coverage designed to meet the needs of the average American homebuyer.  This “average” home owner may be single or married, with or without children, living in a free-standing single-family home. This typical home owner maintains a modest lifestyle, owns no unusual property, has no unusual hobbies or activities and is not the “exciting” cast of characters you would see in a reality TV show or sitcom.

    To keep premiums reasonable—and for other reasons, these standard policies also exclude or limit coverage for insurable exposures that a minority of families face. These excluded exposures create coverage gaps that can often be filled for an additional premium, by modifying the standard policy’s limits or other provisions, adding an appropriate endorsement, or purchasing an additional policy.

    This course is designed to help insurance practitioners identify and overcome many of the coverage gaps, exclusions, limitations, and uninsured exposures their Homeowners clients face. The approach varies by topic, but the general goal is first to discuss circumstances that might create an atypical exposure or a need for additional insurance beyond that provided by a standard policy, and then to explain measures that can be used to eliminate this coverage gap by insuring or otherwise managing the exposure.  

    • June 20, 2024
    • 2:00 PM - 5:00 PM
    • ABEN Webinar

    Agency Management Based E&O and Ethics (ABEN)

    Course #109951 | 3 Ethics

    Please Note - This course DOES NOT qualify for any E&O premium discounts!

    This is not your usual Ethics and E&O course. Rather than focusing on what you're doing wrong, this program deals with structuring your agency in a way that will reduce the likelihood of having an E&O claim while firmly establishing proper ethical standards. We will address some issues every organization needs to face such as: Agency Culture, Management Styles, Policy and Decision Making, Team Building, Ethics through Transparency. By establishing a proper culture within the agency, managing E&O exposures and setting professional ethical standards becomes much more efficient and effective. 

    • June 20, 2024
    • 4:00 PM - 7:00 PM
    • ABEN Webinar

    E&O Roadmap to Homeowners Endorsements and Personal Inland Marine - Part II (ABEN)

    Course #111009 | 3 P&C

    This course is Part II of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    The standard Homeowners policy provides broad coverage designed to meet the needs of the average American homebuyer.  This “average” home owner may be single or married, with or without children, living in a free-standing single-family home. This typical home owner maintains a modest lifestyle, owns no unusual property, has no unusual hobbies or activities and is not the “exciting” cast of characters you would see in a reality TV show or sitcom.

    To keep premiums reasonable—and for other reasons, these standard policies also exclude or limit coverage for insurable exposures that a minority of families face. These excluded exposures create coverage gaps that can often be filled for an additional premium, by modifying the standard policy’s limits or other provisions, adding an appropriate endorsement, or purchasing an additional policy.

    This course is designed to help insurance practitioners identify and overcome many of the coverage gaps, exclusions, limitations, and uninsured exposures their Homeowners clients face. The approach varies by topic, but the general goal is first to discuss circumstances that might create an atypical exposure or a need for additional insurance beyond that provided by a standard policy, and then to explain measures that can be used to eliminate this coverage gap by insuring or otherwise managing the exposure.  

    • June 21, 2024
    • 10:00 AM - 12:00 PM
    • ABEN Webinar

    The Many Faces of Insurance Fraud (ABEN)

    Course #111485 | 2 Ethics

    This course will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercies, you'll learn practical strategies for indentifying red flags and responding effectively to safeguard your organization. 

    • June 21, 2024
    • 12:00 PM - 1:00 PM
    • ABEN Webinar

    An Hour of True Crime - Wrong Way Driver (ABEN)

    Course #111424 | 1 P&C

    This course will discuss a four car accident which resulted in multiple fatalities.  Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.

    • June 24, 2024
    • 8:00 AM - 10:00 AM
    • ABEN Webinar

    Business Auto Claims That Cause Problems (ABEN)

    Course #12298 | 2 P&C

    When putting a commercial lines package together sometimes we don't give the proper attention to the Business Auto Policy. This policy is full of E&O potential! This course is designed to shed light on the most common mistakes we make when insuring commercially owned vechicles. We will discuss "Who is an Insured", "Additional Insured Endorsements", "Application of Symbols", "Employee Hired Auto", and don't forget the biggest E&O exposure of them all "Drive Other Car". 

    • June 24, 2024
    • 1:00 PM - 3:00 PM
    • ABEN Webinar

    To Be or Not to AirBnb - Sharing Exposures and Insurance (ABEN)

    Course #110192 | 2 P&C

    This course addresses aspects of the emerging sharing economy’s use of personal autos and homes.  It provides a discussion of the nature of these exposures and how Personal Auto policies and Homeowners policies respond.  There is also a brief discussion of the impact these exposures can have on the Business Auto policies.

    Learning Objectives:

    • Discuss the Emergence of the Sharing Economy 
    • Understand the Insurance Applications of Auto Sharing
    • Understand the Insurance Applications of Home Sharing
    • June 24, 2024
    • 3:00 PM - 6:00 PM
    • ABEN Webinar

    Adding Value In Personal Lines (ABEN)

    Course #111211 | 3 P&C

    Our personal lines clients depend upon us to place proper coverages as a major part of their risk management strategy. The property and liability coverages we place on their behalf may ultimately stand between them and bankruptcy in the event of a large loss. This presentation will address the exposures our personal lines clients have which are not well-handled by their unendorsed ISO Homeowners and Personal Auto Policies. A review of endorsements available in these programs will remind the participant that, as all clients are unique, it is routinely necessary to discuss the need for and availability of these very important coverage enhancements. The presentation will conclude with a review of the Personal Umbrella/Excess Liability coverage needs of the personal lines client and discussion of coverages currently available to meet those needs.

    • June 25, 2024
    • 9:00 AM - 11:00 AM
    • ABEN Webinar

    An Insurance Horror Story - Hoarders (ABEN)

    Course #110016 | 2 L&H

    Planning for retirement took a big turn in the early 1980's with the passing of the Employee Retirement Income Security Act of 1974 (ERISA). This presentation compares retirement planning before and after ERISA. With a much greater responsibility on each individual to decide what is best for their retirement, needs and solutions are emphasized. 

    • June 25, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Commercial Liability Coverage Gaps & How To Fill Them - Part I (ABEN)

    Course #109622 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving commercial liability insurance. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations.

    • June 25, 2024
    • 1:00 PM - 4:00 PM
    • ABEN Webinar

    E&O Commercial Property Coverage Gaps & How To Fill Them - Part I (ABEN)

    Course #109585 | 3 P&C

    This course is Part I of II in this E&O module - As of January 1, 2020, 3 hours of content must be taken to qualify for the 10% E&O premium discount!

    Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving commercial liability insurance. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations.

    On completion of this course, the student should be able to recognize and prevent many of the problems associated with selling and servicing the following:

    • Commercial property insurance
    • Equipment brea