Education Calendar

Switch to Calendar View

• Torts, Negligence and Legal Liability (ABEN)

  • When
    December 23, 2024
  •  
    9:00 AM - 12:00 PM
  • Location
    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 

  Register Here

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

  • When
    December 23, 2024
  •  
    3:00 PM - 6:00 PM
  • Location
    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 

  Register Here

  Show details
• Business Auto Claims That Cause Problems (ABEN)

  • When
    December 24, 2024
  •  
    8:00 AM - 10:00 AM
  • Location
    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". 

  Register Here

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

  • When
    December 24, 2024
  •  
    1:00 PM - 3:00 PM
  • Location
    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

  Register Here

  Show details
• Adding Value In Personal Lines (ABEN)

  • When
    December 24, 2024
  •  
    3:00 PM - 6:00 PM
  • Location
    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.
  

  Register Here

  Show details
• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the CGL Policy (ABEN)

  • When
    December 24, 2024
  •  
    3:00 PM - 6:00 PM
  • Location
    ABEN Webinar

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the CGL Policy (ABEN)

  Course #112418 | 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!

  This seminar covers the policy language, exclusions and typical claims scenarios seen under the commercial general liability policy Coverage B - Personal & Advertising Injury. This seminar also covers some errors and omissions that agents can avoid. 

  Register Here

  Show details
• What Ever Happened to "And They Lived Happily Ever After?" (ABEN)

  • When
    December 26, 2024
  •  
    9:00 AM - 11:00 AM
  • Location
    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. 

  Register Here

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

  • When
    December 26, 2024
  •  
    3:00 PM - 6:00 PM
  • Location
    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.
  

  Register Here

  Show details
• Workers' Compensation and the Law (ABEN)

  • When
    December 27, 2024
  •  
    9:00 AM - 12:00 PM
  • Location
    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.
  

  Register Here

  Show details
• Studies in Ethics - A Hippocratic Oath for Insurance Professionals (ABEN)

  • When
    December 27, 2024
  •  
    11:00 AM - 2:00 PM
  • Location
    ABEN Webinar

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals (ABEN)

  Course #112490 | 3 Ethics

  Professional oaths are statements of common principles and they re-focus the oath-giver on the true principles of the profession.  Interestingly enough, the principles of the Hippocratic Oath, have relevance to modern insurance practice.  Dr. Robert Orr collected various authorities and suggested in a 2009 article that the core principles of the Hippocratic Oath are “the competence of the physician and the best interests of the patient,” which are then coupled with “compassion” and “moral commitment.”

  With this background in mind, the first half of the seminar uses portions of the Hippocratic Oath to introduce core principles of ethical professional behavior.  Competent representation and advice-giving are at the forefront of the first section; privacy concerns are the second.  Preventative risk management for insureds is the third section; the Hippocratic Oath principles conclude with a discussion of community service standards overall.

  The seminar then shifts to ethics studies based on real, insurance-oriented case law or scenarios.  The fact patterns are developed from real cases or situations, which are presented to attendees.  The fact patterns are modified in some respects to bring the ethical issues into sharper focus, while still maintaining the basic realism of the coverage or business questions presented.  The names will be changed because of the changes in facts, but the cases and their actual outcomes will be discussed. 

  Register Here

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

  • When
    December 27, 2024
  •  
    3:00 PM - 6:00 PM
  • Location
    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.

  Register Here

  Show details
• Additional Insureds: Issues and Endorsements (ABEN)

  • When
    December 27, 2024
  •  
    3:00 PM - 5:00 PM
  • Location
    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. 

  Register Here

  Show details
• Coverage Essentials: Homeowners (Part I) - Policy Definitions, Liability Coverage and Policy Conditions (ABEN)

  • When
    December 30, 2024
  •  
    10:00 AM - 1:00 PM
  • Location
    ABEN Webinar

  Coverage Essentials: Homeowners (Part I) - Policy Definitions, Liability Coverage and Policy Conditions (ABEN)

  Course #112334 | 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!

  This class is one of a two-class series that explores coverage provided under the Homeowners Policy. This session focuses specifically on the liability coverage provided under the policy as well as eligibility, definitions, and policy conditions. The material is based on ISO's Homeowners 3 - Special Form HO 00 03, but will discuss areas of coverage where policy language may vary in carrier proprietary forms. Included are several Discussion Points, E&O Tips, and chapter review questions. It is recommended (but not required) that this class be taken prior to Coverage Essentials: Homeowners Coverage (Part II).  

  Learning Objectives

  • Create a deeper understanding of the Homeowners Policy
  • Become familiar with common exclusions in the Homeowners Policy
  • Strengthen policy reading skills
  • Learn area of coverage which are new or updated in the policy

  Register Here

  Show details
• Coverage Essentials: Homeowners (Part II) - Property Coverages (ABEN)

  • When
    December 30, 2024
  •  
    2:00 PM - 5:00 PM
  • Location
    ABEN Webinar

  Coverage Essentials: Homeowners (Part II) - Property Coverages (ABEN)

  Course #112336 | 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!

  This class is one of a two-class series that explores coverage provided under the Homeowners Policy. This session focuses specifically on the property coverage provided under the policy. The material is based on ISO's Homeowners 3 - Special Form HO 00 03, but will discuss areas of coverage where policy language may vary in carrier proprietary forms. Included are several Discussion Points, E&O Tips, and chapter review questions. It is recommended (but not required) that this class be taken after Coverage Essentials: Homeowners Coverage (Part I).  

  Learning Objectives

  • Create a deeper understanding of the Homeowners Policy
  • Become familiar with common exclusions in the Homeowners Policy
  • Strengthen policy reading skills
  • Learn area of coverage which are new or updated in the policy

  Register Here

  Show details