Agencies with insureds in the construction industry are too familiar with the seemingly never-ending issues with construction contracts as they relate to insurance. Join Cathy as she discusses many common concerns regarding such contracts, their often indecipherable insurance requirements, and the role played by the insurance agent. Contractual liability, waivers of subrogation, Additional Insured requirements and many other issues will be discussed. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

To earn CE credit for attending this course is a nice bonus, but we hope you’ll see it for what it truly is: an experience that will change your life as well as the lives of those around you. People are terrified of outliving their money and the large bills that come with rising cost of living, medical bills and end-of-life costs. This course explores a variety of financial tools and insurance products to help manage such costs. Whether the information is for the benefit of your clients, your family, and/or yourself, you’ll be ready to help. 

Over the last five decades, Chris Amrhein has evolved into one of the insurance industry’s most trusted resources/statesman. Join Chris as he blends his professional and personal experience with financially surviving retirement into this interactive, informative (and dare we say…fun?!) course. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

As cyber risks evolve, so do the insurance products designed to save a business from destruction. Join Cathy as she details the evolution of cyber exposures, discusses the meaning of a cyber “incident” and its importance, and reviews several facets of essential cyber insurance coverage. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Join Terry Tadlock as he 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. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

This course follows the guidelines as set forth by the Florida Department of Financial Services (DFS) to satisfy the mandatory 5-Hour Law and Ethics Update CE requirement for licensees holding one or more of the following license types: 2-14, 2-15, 2-16, 2-18, 2-40. The course authority for this course is CE05215. Sections include discussion on regulatory awareness, insurance law and updates, ethical requirements, disciplinary actions and industry trends. This course has been approved by the Florida Department of Financial Services for insurance continuing education credit.

Completion of this course will satisfy FEMA’s 3-hour Basic Flood Insurance Course requirement for agents to sell flood insurance. Agents will gain a basic understanding of the National Flood Insurance Program (NFIP) and the ability to share this important information with customers.  

This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

The purpose of this course is to describe in depth the many benefits, uses, and ways that life insurance can be leveraged while you’re still alive. Many intricacies of policies have living benefits that can be utilized prior to death. This course will focus on ten features and benefits that exist within most permanent life insurance policies, how to identify them, and/or how to access them. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

This course is further evidence that, even though we deal with them daily, personal lines insurance policies are packed with coverage concerns recognizable only to the well-trained eye. Join Scott Treen as he reviews a variety of annoying but important auto and homeowner’s coverage concerns found in policies sold daily by agents everywhere. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

This course follows the guidelines as set forth by the Florida DFS to satisfy the mandatory 5-Hour Law and Ethics Update CE requirement for All-Lines Adjuster licensees. Sections include discussion on regulatory awareness, insurance law and updates, ethical requirements, disciplinary actions and industry trends. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Insureds are constantly signing contracts and accepting responsibility. Unfortunately, those same insureds often are unaware of the extent of such until it’s too late. When it comes to an insured’s contract, what is the role an agent should play? Join Terry Tadlock as he reviews several common types of contracts and provisions that may affect insurance coverage. This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

Personal Lines Umbrellas aren’t just for high value accounts. This course goes through the coverages and differences between umbrellas policies and excess liability policies, including examples, to help insureds understand the importance of such coverage. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Businesses that use autos need commercial auto coverage.  The type, use, ownership and many other factors associated with these autos will dictate the coverage form most effective in transferring risk for each client. This presentation will address two commonly used auto forms: the Business Auto Coverage Form and the Motor Carrier Coverage Form and discuss why/when a particular form should be used. This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

Once a policy is written, all it requires is renewals and varying degrees of service….until a claim occurs!  Take a deep dive in to some claims examples that range from dog bites to burglaries, renovations to total losses, and how each claims triggers (or doesn’t!) specific parts of the homeowners policy. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Over the last five decades, Chris Amrhein has evolved into one of the insurance industry’s most trusted resources/statesman. Join Chris as he blends his professional and personal experience with Social Security and Medicare into this interactive, informative (and dare we say…fun?!) course. 

To earn CE credit for attending this course is a nice bonus, but we hope you’ll see it for what it truly is: an experience that will change your life as well as the lives of those around you. These programs are essential to every American and you’ll discuss them from the ground up – eligibility, enrollment, changes, costs, benefits, limitations and just about everything else. Whether the information is for the benefit of your clients, your family, and/or yourself, you’ll be ready to help.  This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

This course follows the guidelines as set forth by the Florida Department of Financial Services to satisfy the mandatory 5-Hour Law and Ethics Update CE requirement for P&C insurance. Sections include discussion on regulatory awareness, insurance law and updates, ethical requirements, disciplinary actions and industry trends. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Insurance professionals should expect three things from this Personal Lines Auto course: (1.) an overview of the dilemma of highly-customized vehicles in valuating during a claim, (2.) interesting examples of the multi-faceted phenomenon of adding a plethora of after-market parts and customization to cars and trucks, and (3.) insurance solutions to mitigate the complexity and add solutions to your sales style and agency protocol. You’ll leave this course with enough knowledge to inform clients of expectations concerning their altered vehicle, prepare proper documentation of customization, and work with claims to garner a consumer-friendly valuation of the car or truck. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

The differences between garage policies and a general liability policy are often misunderstood by insurance pros as well as insureds. It’s essential to know the differences as well as what coverage is needed for insureds in dealerships and other segments of the auto business. This class will sharpen the insurance pro’s skills in understanding these their different forms and how they can work together to create a cohesive policy for the insured. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Your personal insureds are keeping exposures from you that you need to know in order for their coverage to do its job. Assisted living, side jobs, “entity” ownership, unmarried and living together, off-premises activities and other common exposures are discussed in this course. Solutions will help agents discover the truth, close the gap and keep the account. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

This course examines a variety of inland marine exposures faced by contractors and the policies available to cover those exposures.  We will discuss builders’ risk coverage, installation floaters and contractors’ equipment policies.  For each topic, we will discuss the coverage afforded by commonly used forms and some of the exclusions to watch out for.   We will then discuss certain features of the Commercial General Liability policy and endorsements that are sometimes added.  We will focus on the effect these features and endorsements have on a contractor’s insurance program.  This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

A side-effect of the pandemic is that many of our personal lines insureds – for better or worse - had to make changes in the way they live, work, and educate. Even in a post-pandemic world, many such lifestyle changes will continue. Join Nicole as she discusses effects this “new norm” has on homeowners and auto policies. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

This course follows the guidelines as set forth by the Florida DFS to satisfy the mandatory 5-Hour Law and Ethics Update CE requirement for All-Lines Adjuster licensees. Sections include discussion on regulatory awareness, insurance law and updates, ethical requirements, disciplinary actions and industry trends. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

We often sell direct and indirect damage coverages together, but did you know that these forms have little in common and do not require that one be purchased with the other?  This course will include a discussion on some the differences between a direct damage property form and the indirect options available to commercial lines customers.  We will explore some of the unique conditions and provisions in the Insurance Services Office (ISO) Building and Personal Property Coverage form and the ISO Business Income & Extra Expense forms. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Good (and error-avoiding) habits begin with good decision making. It sounds like a no-brainer, but employees in agencies across America struggle with this every day, souring agency culture and leading to costly E&O claims. Join agency principal and long-time insurance educator Terry Tadlock as he guides you through the many methods available to improve your agency’s culture and reduce its E&O exposure through an emphasis on ethical conduct.  This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

This course follows the guidelines as set forth by the Florida Department of Financial Services to satisfy the mandatory 5-Hour Law and Ethics Update CE requirement for P&C insurance. Sections include discussion on regulatory awareness, insurance law and updates, ethical requirements, disciplinary actions and industry trends. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

This course follows the guidelines as set forth by the Florida DFS to satisfy the mandatory 5-Hour Law and Ethics Update CE requirement for various life and health licensees. Sections include discussion on regulatory awareness, insurance law and updates, ethical requirements, disciplinary actions and industry trends. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Insurance professionals should expect three things from this course: 1) overview of data and demand for insurance products to assist with financing long-term care needs, 2) interesting societal dilemmas, and 3) structuring a policy and alternative funding sources. Agents will leave this course with enough knowledge to assist insureds through a common, stressful, and legitimate concern: “what if my long life makes me/my family broke?” This course is approved by the Florida Department of Financial Services for insurance continuing education credit. NOTE - this course is eligible for 3 CE credits. It will NOT apply towards a 4-hour LTC Partnership Plan course requirement for agents seeking such. 

The small farmer has always been with us. Insurance company’s appetite for this type of insured has waxed and waned. Are they commercial risks or personal lines risks? This session will make it very clear the small farmer is BOTH. As such, agents attending this presentation will find that Farm Liability and Farm Property coverages have areas where they do a good job and areas where they leave the insured with uncovered exposures. The same can be said for Commercial General Liability and Commercial Property coverages. To add to the confusion, many times insurance companies seem a bit confused – often personal lines underwriters, handling the business and commercial needs, are not as well understood as they should be. When these risks are being underwritten in the commercial lines department, confusion often exists there too – particularly as to personal liability exposure. As always, the insurance professional MUST be conversant in both arenas to meet the needs of these clients.  This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

To earn CE credit for attending this course is a nice bonus, but we hope you’ll see it for what it truly is: an experience that will change your life as well as the lives of those around you. People are terrified of outliving their money and the large bills that come with rising cost of living, medical bills and end-of-life costs. This course explores a variety of financial tools and insurance products to help manage such costs. Whether the information is for the benefit of your clients, your family, and/or yourself, you’ll be ready to help. 

Over the last five decades, Chris Amrhein has evolved into one of the insurance industry’s most trusted resources/statesman. Join Chris as he blends his professional and personal experience with financially surviving retirement into this interactive, informative (and dare we say…fun?!) course. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

This…Is…Insurance Jeopardy! Your host, instructor and master insurance technician Steve Lyon uses a Q&A format to gauge your understanding of complicated insurance coverage issues in a variety of commercial and personal lines exposures. You’ll love the interactivity…but don’t forget to answer in the form of a question! This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

This course addresses many employment-related liability exposures faced by today’s employers: sexual harassment in the age of #MeToo, employee privacy concerns, discrimination claims, retaliation claims, wage and hour claims and more.  We will discuss methods used to identify and insure such employment-related exposures and what features to look for in an Employment Practices Liability (EPL) policy.  This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

The differences between garage policies and a general liability policy are often misunderstood by insurance pros as well as insureds. It’s essential to know the differences as well as what coverage is needed for insureds in dealerships and other segments of the auto business. This class will sharpen the insurance pro’s skills in understanding these their different forms and how they can work together to create a cohesive policy for the insured. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

This course will familiarize the participants with some of the endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy.  We will review several ISO endorsements and see examples of non-standard endorsements often used by insurers. This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

Completion of this course will satisfy FEMA’s 3-hour Basic Flood Insurance Course requirement for agents to sell flood insurance. Agents will gain a basic understanding of the National Flood Insurance Program (NFIP) and the ability to share this important information with customers.  

This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

This course follows the guidelines as set forth by the Florida DFS to satisfy the mandatory 5-Hour Law and Ethics Update CE requirement for All-Lines Adjuster licensees. Sections include discussion on regulatory awareness, insurance law and updates, ethical requirements, disciplinary actions and industry trends. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Businesses that use autos need commercial auto coverage.  The type, use, ownership and many other factors associated with these autos will dictate the coverage form most effective in transferring risk for each client. This presentation will address two commonly used auto forms: the Business Auto Coverage Form and the Motor Carrier Coverage Form and discuss why/when a particular form should be used. This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

This course follows the guidelines as set forth by the Florida DFS to satisfy the mandatory 5-Hour Law and Ethics Update CE requirement for various life and health licensees. Sections include discussion on regulatory awareness, insurance law and updates, ethical requirements, disciplinary actions and industry trends. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Once a policy is written, all it requires is renewals and varying degrees of service….until a claim occurs!  Take a deep dive in to some claims examples that range from dog bites to burglaries, renovations to total losses, and how each claims triggers (or doesn’t!) specific parts of the homeowners policy. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Virtual currency. Marijuana. Outer space. Nanotechnology. Autonomous cars. GMOs. What is all this stuff? What are your insureds doing with it? How are insurers responding to it and what can you the agent do about it? Join master insurance technician Steve Lyon as he explores what’s coming for our industry (and for society in general!) This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Over the last five decades, Chris Amrhein has evolved into one of the insurance industry’s most trusted resources/statesman. Join Chris as he blends his professional and personal experience with Social Security and Medicare into this interactive, informative (and dare we say…fun?!) course. 

To earn CE credit for attending this course is a nice bonus, but we hope you’ll see it for what it truly is: an experience that will change your life as well as the lives of those around you. These programs are essential to every American and you’ll discuss them from the ground up – eligibility, enrollment, changes, costs, benefits, limitations and just about everything else. Whether the information is for the benefit of your clients, your family, and/or yourself, you’ll be ready to help.  This course is approved by the Florida Department of Financial Services for insurance continuing education credit.

This course follows the guidelines as set forth by the Florida Department of Financial Services to satisfy the mandatory 5-Hour Law and Ethics Update CE requirement for P&C insurance. Sections include discussion on regulatory awareness, insurance law and updates, ethical requirements, disciplinary actions and industry trends. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Loss settlement is often questioned by insureds at time of purchase and misunderstood by agents at time of loss.  This brief course goes through loss settlement, including examples, to gain greater understanding of this essential function in the policy. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

As cyber risks evolve, so do the insurance products designed to save a business from destruction. Join Cathy as she details the evolution of cyber exposures, discusses the meaning of a cyber “incident” and its importance, and reviews several facets of essential cyber insurance coverage. This course is approved by the Florida Department of Financial Services for insurance continuing education credit. 

Join Terry Tadlock as he 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. This course is approved by the Florida Department of Financial Services for insurance continuing education credit.