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Business As
Unusual. Insuring the Home-based Business
Home-based business is one of the fastest
growing areas of the economy, but many are
not properly insured. Does homeowner’s
insurance cover business losses? Probably
not! This presentation is an analysis of
home-based businesses as well as the
activities and specific exclusions that are
triggered by the term "business" in the
homeowner’s policy. You will get the scoop
on what’s covered and what’s not! Actual
claim situations will be given along with
recommendations for reducing risks and
protecting business assets. |
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Personal Umbrella:
Rain or Shine!
It is raining litigation in our society and
your clients may need a personal umbrella.
Explore the application of umbrella coverage
and discover the "holes" in the umbrella
policy form. Do you ever hesitate to carry
an umbrella? Find out when you should! This
presentation is a thorough review of the
need for umbrella coverages as well as
concepts and applications of underlying
limits of coverage. We’ll even show you some
"holes" (common exclusions) in your umbrella
along with actual claims cases. |
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Wheels of
Misconception
The wheels that we utilize today range from
ATVs to golf carts! Many clients are
oblivious to the exclusions of their
homeowner and personal auto policies when
driving certain motorized vehicles or
non-owned vehicles. Assuming insurance
coverage is dangerous for a client and
dangerous for your E&O exposure. This
presentation will expose the how's and
when's of coverage - or not! Get an update
on the proper coverages and avoid any wheels
of misconception! |
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The New Math:
Education IRA$
With the costs of college tuition and
expenses increasing every year, how will you
afford to continue your child’s education
after high school? This program will
describe the measures that were provided for
in the 1997 Tax Reform Act for establishing
an IRA to fund post secondary education.
This IRA could make the difference in a
college education for your child. |
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Tax-Free Income
Roth IRA$
You now have an alternative to the
traditional IRA, established in 1974. The
new Roth IRA has some fantastic advantages
that you need to know about for yourself, as
well as your clients. Take this 30-minute
program to find out the differences and the
advantages of the Roth IRA, which offers
retirement income, free of federal income
tax. |
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Ethics: Shades of
Black & White
Now, more than ever, ethics plays a big role
in the daily decision-making process. It can
be very beneficial to establish ethical
standards before a professional situation or
crisis arises. This course will guide you in
your commitment as an ethical person. The
case studies, along with discussion, will
help you adopt an ethical business
performance with the high standards that
your profession requires. |
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E&O Hot Spots:
Don’t Get Burned
New E&O risks are being created by new
technology, expanded use of non-standard
markets, increased mergers and acquisitions,
and more complex insurance products and
financial services. This course will
identify E&O "hot spots" and provide ideas
to reduce your E&O exposure. With the
dramatic rise in E&O claims, this course is
pertinent to every agent. |
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What’s Up DOC?
Drive Other Car Coverage
The need for Drive Other Car Coverage is
growing with the increase in companies that
provide vehicles for employees and owners.
What’s Up DOC? will examine particulars of
the Business Auto Policy "Drive Other Car"
coverage endorsement. Case studies
demonstrate appropriate coverages for
individuals who drive company cars. |
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Three Steps to E&O
Risk Management
This four-hour seminar covers the management
of errors and omissions risks in the
insurance business today. It has been
specifically designed to offer insight into
the potential risks in agency operations
that range from the first phone call to the
final signature in your relationship with
clients and companies. Discover areas that
are often overlooked and misunderstood by
both agents and clients. |
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Let’s Talk Coverage
A Case Study Approach to Homeowners’
Insurance Coverage
Experience is one of the best teachers. In
this four hour seminar, case studies are
used to learn about homeowners’ insurance
coverage from actual claims situations. The
particulars of these case studies will
increase your awareness of the many
coverages, limitations and exclusions in the
ISO Homeowners’ Policy. This will help you
recommend proper coverages concerning limits
of liability, endorsements, and special
provisions. |
