Commercial Courses

# of CE Hours

The Basics of Bonds – How is underwriting different?  This course is an intro to construction bonds and what is needed to get one.  It is not just an application!

1

Commercial Lines – Identify the Needed Coverages
What do businesses need?  How to determine the exposures to risk?  A good course for those transitioning from personal lines to commercial lines or refresh your commercial lines skills

3

Commercial Property 101 – The Basics
Those ISO policies have some new things in them.  What is covered?  What about that named insured?  What if the insured gets a new building?  HELP…is on its way.  Take this course and find out what the “basics” are. 

2

The Concept of Bailment and How to Insure It
What to do about the Care Custody and Control of others property.  How to take care of the exposure.  Inland marine and GKLL are predominant in this course.

1

Crime Insurance – The Stealin’ O the Green – Why would anyone need crime insurance if they have the Special version of a package?  Come to this class to get yourself acquainted with the various crime forms.

2

EPLI – Employment Practices Liability Insurance
What does this cover?  Better yet…what does it not cover?  Knowing what this non-standard policy can do and making sure your markets are meeting the needs is important. 

1

Errors and Omissions – Your Choice - Prevent or Defend.  What can you do to prevent an E&O claim and not have to defend your self.  How do we make sure it all gets done?  Whose job is all of this anyway?  It’s all about time and documentation.

2

General Liability - Contracts and Certificates
There is more to those contracts than just the "insurance requirements!" A review of a real construction contract and information about certificates to create additional sales.

4

General Liability - Understanding the Policy
Highlights of the GL policy.  What to look out for as potential gaps.  What to do about exclusions and how limits work.   

3

Mistakes Happen – It’s called E&O   Sometimes stuff happens.  This class tells the predominant causes of E&O and has real life examples and the preventative measures that SHOULD have been taken.  Class discussion is encouraged.

2

Working Away the Worries of Workers Compensation –A brief history of Workers Comp.   Is it really better than the “other” policy that protects employees?  Are there new rules?

2

Personal Lines Courses

# of CE Hours

Boat Owners Insurance - Who Needs It?
For those that cross sell, how does it fit into a personal lines program?  Why bother if the Homeowners policy will pay? 

1

Getting to Know Personal Umbrellas
Who needs one?  You don’t have to be rich to have one.  Learn the benefits of cross selling this policy.  Offer it and let them make the decision. 

2

Life Ins. – Fitting It Into the Financial Puzzle
Financial planning needs to include life insurance. Are you relying on what your company provides?  Is it portable?  This course starts the thinking process.

2

Personal Lines – Meeting the Customers Needs
 What policies are needed?  How do you plug gaps in coverage? Take this class with your OWN policies in mind. What do YOU have? What does YOUR customer need?

3

Personal Auto Policies, Premiums and Problems
What endorsements are available that helps plug coverage gaps?  This course answers those questions and is a good one to look at for your own personal auto coverages.

4

Texas Homeowners Policy as easy as A-B-C and 1-2-3
A comparison of the Homeowners Policies, enhancement endorsements and a discussion of Mold problems.  The ISO HO3 and HO5 are included in the course.

3

The Dwelling Policy vs. The Homeowners Policy
When will a dwelling policy do the job versus needing a homeowner’s policy? A review of Dwelling Policies and their shortcomings as compared to the Homeowners.   

3

Who Pays When I Don’t Have Enough HO Insurance? 
Have you ever seen what happens when limits are too low?  This discusses limits of a HO policy and the net effect of not having enough. 

2

Ethics Courses

#
of CE Hours

Agents, Adjusters and Aliens-
What are the standards set by the Insurance Code?  How is the insurance industry perceived by the customer?  What does it take to not alienate the customers?  This course discusses how a little customer service and a lot of attention to the law goes a long way in creating customer loyalty.

2
ETHICS
CLASS

Consumer Protection- It’s the Law
A course about consumer expectations of agents and adjusters and things the consumer does that we need to be aware of.  Sometimes the consumer’s expectations and what we can deliver are not the same.  You can’t break the law just to keep them happy and you still have to deliver good customer service.

2
ETHICS
CLASS

Fraud Awareness - An Ethics Course
What is fraud? Where is it happening?  How can you report it?  This course identifies sources of fraud that we all need to be aware of.  Fraud costs everyone money!  You are the judge of some cases where it appears to be fraud, but if everyone is doing it…is it wrong?  Included are some Red Flags of Fraud to watch out for.

2
ETHICS
CLASS

How’s Your Ethics?
This course introduces the Texas Insurance Code for agents and adjusters then has an ethical dilemma or two to review.  What is against the law and what if it is just ethics and not the law?  Scenarios are presented that show that sometimes it is an individual’s integrity and the law that create personal ethics.

2
ETHICS
CLASS

The Ethical Dilemma and The Law
When is it ethics and when is it the law? A review of the agent and adjuster TDI laws and dilemmas to determine: Where does the golden rule come in? Class discussion is prevalent in this class as we cover “ethical dilemmas.”  Members are sorted into teams to solve some ethical dilemmas and mete out the punishment! 

2
ETHICS
CLASS