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.

Required notice for Florida licensees: 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!)

Required notice for Florida licensees: 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 biggest coverage problems in commercial property forms: Debris Removal, Ordinance or Law and Vacancy.  In each case, we will discuss the problem and possible solutions.

Required notice for Florida licensees: 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.

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

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.

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

Retirement is coming (and for many has already arrived!) Join veteran insurance educator Chris Amrhein as he shares his own adventures with Social Security and other retirement income solutions for seniors. He’ll discuss 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!

Required notice for Florida licensees: 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 4-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. 

This course follows the guidelines as set forth by the Florida DFS to satisfy the mandatory 4-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. 

Join David Thompson, CPCU, as he takes you down “life in the fast lane” looking at some of the most important aspects of the National Flood Insurance Program. Topics will include: the new Risk Rating 2.0, 30-day wait, private flood insurance, other structures, the HFIAA surcharge, the loss of grandfathering, and the new “glide path” for rating. Required disclaimer for FL licensees: 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.

Required notice for Florida licensees: 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 4-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 4-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. 

This course follows the general curriculum for flood insurance training as set forth by FEMA. Completion of this course will satisfy FEMA’s 3-hour Basic Flood Insurance Course requirement for agents to sell flood insurance. This course incorporates discussion on recent changes with the NFIP as well as many general principles of flood insurance. 

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

Join agency principal and long-time insurance educator Terry Tadlock as he reviews the reasons why an agency’s leadership, culture and perception of ethical conduct often cause agency staff to make bad decisions with potentially devastating consequences for insureds. 

Required notice for Florida licensees: This course is approved by the Florida Department of Financial Services for three hours of elective insurance continuing education credit. CE hours earned from this course are not applied towards any 4-Hour Law & Ethics Update requirement. 

This course follows the guidelines as set forth by the Florida Department of Financial Services to satisfy the mandatory 4-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.

Required notice for Florida licensees: 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.

Required notice for Florida licensees: 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.

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

This course starts with a discussion of the evolution of additional insured endorsements and the importance of the edition date.  We will then discuss the ISO additional insured endorsements mostly commonly used when writing contracting accounts.  Lastly, we will review the features to look for in carrier-specific additional insured endorsements.

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

Certificates of Insurance and the endorsements often requested with them cause many problems for insurance agents trying to help commercial clients.  We will review the things to consider before issuing a certificate and discuss ways to avoid some of the common problems and errors.  We will discuss Additional Insureds, Waiver of Subrogation and some of the requests frequently made of agents. 

Required notice for Florida licensees: 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.

Required notice for Florida licensees: 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 4-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 4-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. 

This class takes an in depth look at insuring for the “worst case scenario” for both personal and commercial clients. A recent study indicates that 47% of your clients are at least 27% underinsured. After taking this class, I think you will agree that almost 75% of your clients are more than 50% underinsured!! This class takes a look at the problems with advice we have been giving our clients for 50 years!

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

Ask a hundred commercial insurance professionals to describe in a few words the most frustrating part of the job and 99 of them likely will answer “certificates” or “Additional Insured endorsements.” The seemingly constant changes to rules, requests, form filings, and other issues at best cause headaches, at worst, E&O claims! This course will review several common issues with COIs and AI endorsements and the best practices regarding their use. 

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

Join veteran insurance educator Chris Amrhein as he shares his own adventures with Medicare and other healthcare solutions for seniors. He'll discuss 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! 

Required notice for Florida licensees: 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 4-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. 

This course follows the guidelines as set forth by the Florida DFS to satisfy the mandatory 4-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. 

The Insurance Services Office (ISO) Business Auto Coverage Form (CA 00 01 11 20) is an incredibly important risk finance tool for many insureds. Agents MUST understand this policy’s Coverage Symbols and how they are essential to the process of constructing adequate coverage. Whether your insured uses large trucks, pickups, private passenger autos, a keen understanding of this coverage form begins with the Coverage Symbols.

Required notice for Florida licensees: 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. 

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

In order to reduce the thought of insurance as a commodity, the agent MUST enhance the value they bring to the agribusiness insurance buyer.  This course will review the risk management process as well as available coverage forms and endorsements that allow agents to tailor the risk finance tool of insurance. Participants will learn about the tools available to protect entities, individuals and families involved in an agribusiness operation. 

Required notice for Florida licensees: 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.

Required notice for Florida licensees: 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 4-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. 

Join David Thompson, CPCU, as he takes you down “life in the fast lane” looking at some of the most important aspects of the National Flood Insurance Program. Topics will include: the new Risk Rating 2.0, 30-day wait, private flood insurance, other structures, the HFIAA surcharge, the loss of grandfathering, and the new “glide path” for rating. Required disclaimer for FL licensees: 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.

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

This course follows the general curriculum for flood insurance training as set forth by FEMA. Completion of this course will satisfy FEMA’s 3-hour Basic Flood Insurance Course requirement for agents to sell flood insurance. This course incorporates discussion on recent changes with the NFIP as well as many general principles of flood insurance. 

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

Retirement is coming (and for many has already arrived!) Join veteran insurance educator Chris Amrhein as he shares his own adventures with Social Security and other retirement income solutions for seniors. He’ll discuss 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!

Required notice for Florida licensees: 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 4-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. 

This course follows the guidelines as set forth by the Florida DFS to satisfy the mandatory 4-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. 

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.

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

This course is designed to take an in-depth look into the affluent/high-net-worth marketplace and the challenges posed by the unique exposures and lifestyles. Discussion will focus on their needs and some of the most frequently overlooked coverage gaps, as well as the underwriting and risk management issues.

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

Join agency principal and long-time insurance educator Terry Tadlock as he reviews the reasons why an agency’s leadership, culture and perception of ethical conduct often cause agency staff to make bad decisions with potentially devastating consequences for insureds. 

Required notice for Florida licensees: This course is approved by the Florida Department of Financial Services for three hours of elective insurance continuing education credit. CE hours earned from this course are not applied towards any 4-Hour Law & Ethics Update requirement. 

This course follows the guidelines as set forth by the Florida Department of Financial Services to satisfy the mandatory 4-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 4-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. 

This course addresses many employment-related liability exposures faced by today’s employers: discrimination and harassment claims by employees and third parties, employee privacy concerns, retaliation claims, wage and hour claims and more.  We will discuss the employment-related exposures and what features to look for in an Employment Practices Liability (EPL) policy. 

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

Explore many useful Personal lines and Commercial Lines endorsements that broaden your client’s coverage and provide you with a competitive advantage over others! Also, be able to spot and take action when “nasty” endorsements make their way onto your clients new and renewal policies. 

Required notice for Florida licensees: 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 4-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. 

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.

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

This presentation will concentrate on the Insurance Services Office (ISO) Farm Property and Liability Coverage Forms and vital endorsements necessary for most clients involved in an agribusiness operation. 

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