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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    07/30/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    07/30/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

  Click Here to Register

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

  • When
    07/30/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

  Click Here to Register

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• Flood Insurance 2.0 (ABEN)

  • When
    07/30/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

  Click Here to Register

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• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    07/31/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

  Click Here to Register

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• E&O Nightmares (ABEN)

  • When
    07/31/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

  Click Here to Register

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• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    07/31/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

  Click Here to Register

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients(ABEN)

  • When
    07/31/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

  Click Here to Register

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• Directors and Officers Liability Insurance (ABEN)

  • When
    07/31/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

  Click Here to Register

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• Online Property & Casualty Licensing Training

  • Start
    08/03/2026
  • End
    08/21/2026
  • Location
    Online (Zoom)

  Online Property & Casualty Licensing Training (Zoom)

  This course includes six instructor-led sessions plus a final review, all designed to provide focused exam preparation. Participants benefit from real-time Q&A and interactive discussions, along with ongoing study support throughout the course. You’ll gain practical knowledge from a seasoned insurance expert and receive a personalized 30-minute one-on-one session with the instructor to help reinforce key concepts and ensure you’re ready for the exam.

  Live Training Course Schedule: 

  Session 1: Foundations of P&C Insurance: General Concepts & Basics

  Monday, August 3, 2026 | 9:00 AM – 12:00 PM

  Session 2: Personal Property Coverage: Dwelling & Homeowners Policies

  Wednesday, August 5, 2026 | 9:00 AM – 12:00 PM

  Session 3: Auto Insurance Essentials: Personal & Commercial Coverage

  Monday, August 10, 2026 | 9:00 AM – 12:00 PM

  Session 4: Commercial Package Policy: Building Business Protection

  Wednesday, August 12, 2026 | 9:00 AM – 12:00 PM

  Session 5: Liability & Specialty Coverages: Beyond the Basics

  Monday, August 17, 2026 | 9:00 AM – 12:00 PM

  Session 6: Maryland Insurance Laws & Regulations

  Wednesday, August 19, 2026 | 9:00 AM – 12:00 PM

  Session 7: Licensing Final Review Day

  Friday, August 21, 2026 | 9:00 AM – 11:00 AM

  Show details
• Directors and Officers Liability Insurance (ABEN)

  • When
    08/03/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

  Click Here to Register

  Show details
• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    08/03/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

  Click Here to Register

  Show details
• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    08/03/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

  Click Here to Register

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• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    08/03/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

  Click Here to Register

  Show details
• Proactive Workplace Violence Response: Mitigating Risks for Your Clients(ABEN)

  • When
    08/03/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

  Click Here to Register

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

  • When
    08/04/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

  Click Here to Register

  Show details
• Flood Insurance 2.0 (ABEN)

  • When
    08/04/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

  Click Here to Register

  Show details
• Umbrella & Excess In An Hour (ABEN)

  • When
    08/04/2026
  •  
    10:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

  Click Here to Register

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    08/04/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

  Click Here to Register

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• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    08/04/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

  Click Here to Register

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• Should I Do a Roth IRA? (ABEN)

  • When
    08/04/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

  Click Here to Register

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    08/04/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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• Ethics - Creating a Winning Culture in the Agency (ABEN)

  • When
    08/04/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Ethics - Creating a Winning Culture in the Agency

  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.

  Course ID #109436 | 3 Ethics

  Click Here to Register

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    08/04/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

  Click Here to Register

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• What To Do With Rental Cars (ABEN)

  • When
    08/05/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

  Click Here to Register

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

  • When
    08/05/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

  Click Here to Register

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• Workers' Compensation and the Law (ABEN)

  • When
    08/05/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

  Click Here to Register

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    08/05/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

  Click Here to Register

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• E&O Nightmares (ABEN)

  • When
    08/05/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

  Click Here to Register

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    08/06/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

  Click Here to Register

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    08/06/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

  Click Here to Register

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    08/06/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

  Click Here to Register

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• AI Implications in the Insurance Industry (ABEN)

  • When
    08/07/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

  Click Here to Register

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• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    08/07/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

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• Hot Topics In Personal Lines (ABEN)

  • When
    08/07/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    08/07/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    08/07/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    08/07/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    08/07/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    08/07/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

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

  • When
    08/10/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    08/10/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    08/10/2026
  •  
    11:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    08/10/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

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

  • When
    08/10/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

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• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    08/10/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    08/10/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

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• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    08/10/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    08/10/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    08/11/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    08/11/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    08/12/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    08/13/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

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• Adding Value In Personal Lines (ABEN)

  • When
    08/13/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    08/13/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    08/13/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    08/13/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    08/13/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    08/14/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

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• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    08/17/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

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• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    08/18/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients(ABEN)

  • When
    08/18/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

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• Directors and Officers Liability Insurance (ABEN)

  • When
    08/18/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

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• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    08/18/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    08/19/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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

  • When
    08/19/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

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• Flood Insurance 2.0 (ABEN)

  • When
    08/19/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    08/19/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

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• Should I Do a Roth IRA? (ABEN)

  • When
    08/19/2026
  •  
    1:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    08/19/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    08/20/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

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• What To Do With Rental Cars (ABEN)

  • When
    08/20/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

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

  • When
    08/20/2026
  •  
    1:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

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• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    08/20/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

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• Workers' Compensation and the Law (ABEN)

  • When
    08/20/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    08/21/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    08/21/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

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• Umbrella & Excess In An Hour (ABEN)

  • When
    08/21/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    08/21/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    08/24/2026
  •  
    8:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    08/24/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

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• Hot Topics In Personal Lines (ABEN)

  • When
    08/24/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• AI Implications in the Insurance Industry (ABEN)

  • When
    08/24/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

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• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    08/24/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    08/24/2026
  •  
    2:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    08/24/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    08/24/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    08/25/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

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• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    08/25/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

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

  • When
    08/25/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    08/25/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    08/25/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    08/25/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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

  • When
    08/25/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

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• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    08/25/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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• Big I Maryland Annual Conference & Showcase

  • Start
    08/26/2026
  • End
    08/27/2026

  

  This premier event brings together independent agents, carriers, and industry leaders for two full days of education, connection, and celebration. Attendees can look forward to installing our incoming Board of Directors, participating in impactful education sessions, and enjoying meaningful networking opportunities throughout the conference. We are also excited to feature Cruise & Connect, our reimagined vendor showcase that provides an engaging way to meet with partners and explore valuable resources. More details will be coming soon!
  

  
  

  Learn More

  
  

  
  

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• Big I Maryland Annual Conference & Showcase - Sponsor Registration

  • Start
    08/26/2026
  • End
    08/27/2026
  • Location
    Hyatt Place Kent Narrows & Marina | 3028 Kent Narrow Way S, Grasonville, MD 21638

  Register

  

  We're Back On Kent Island!

  Set sail with Maryland’s independent agents, carriers, and industry professionals at this year’s can’t-miss event on Kent Island. Sponsoring the Big I Maryland Annual Conference & Showcase offers your company unmatched visibility, premium brand exposure, and meaningful connections with agency leaders and decision-makers from across the state.

  

  To view the full conference agenda, speaker information, and additional event details, please visit bigimd.com/annual.

  To view the full breakdown of each sponsorship and what is included, please visit bigimd.com/annual/sponsor-vendor. 

  @bigimd / #BigIMaryland #MDBigIAnnual #BeyondTheHorizon

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• Big I Maryland Annual Conference & Showcase - Vendor Registration

  • When
    08/26/2026
  • Location
    Hyatt Place Kent Narrows & Marina | 3028 Kent Narrow Way S, Grasonville, MD 21638

  

  We're Back On Kent Island!

  This isn’t your typical exhibit hall—it’s a high-energy, coastal connection experience where vendors are the featured ports of call. Attendees will cruise the room with personalized Cruise Passports, engaging with each vendor to collect stamps, insights, and new ideas. With themed decor, interactive setups, and a Chesapeake Bay backdrop, Cruise & Connect offers a fresh, fun, and highly engaging way for vendors to stand out and connect with Maryland’s independent insurance community.

  

  Vendor Schedule

  1:00PM-2:00PM

  Vendor Set-Up

  2:30PM-4:00PM

  Cruise & Connect - Vendor Showcase

  

  Registration Rates

  $500 - Members

  $750 - Non-Members

  $375 - Bronze Partner

  $250 - Silver Partner

  Comp - Gold Partner

  Comp - Diamond Partner

  

  What’s Included with Registration

  • A dedicated round table—decorate it however you’d like to reflect your brand (and your “port”!)
  • 5-8 minutes per group to share your pitch, offer insights, or demo your product
  • Guaranteed face time with small rotating groups of independent insurance agents
  • Increased engagement through Cruise Passport stamp collection
  • Inclusion in event signage, promotional materials, and digital communications
  • Light refreshments and snacks provided throughout the showcase
  • Recognition as a featured vendor in a high-traffic, themed environment

  Vendor registration provides access to the Cruise & Connect Vendor Showcase on August 26, 2026 only. Access to other conference sessions, meals, and events is not included. To participate in additional conference activities, a full conference registration is required.
  

  To view the full conference agenda, speaker information, and additional event details, please visit bigimd.com/annual.

  @bigimd / #BigIMaryland #MDBigIAnnual #BeyondTheHorizon

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• Big I Maryland Annual Conference & Showcase - Agent Registration

  • Start
    08/26/2026
  • End
    08/27/2026
  • Location
    Hyatt Place Kent Narrows & Marina | 3028 Kent Narrow Way S, Grasonville, MD 21638

  Register

  

  We're Back On Kent Island!

  Join us August 26–27, 2026 at the Hyatt Place Kent Narrows for the Big I Maryland Annual Conference & Showcase, Beyond the Horizon: Leading Insurance Through AI & Innovation. This premier event brings together independent agents, carriers, and industry leaders for two full days of education, connection, and celebration. Attendees will experience impactful education sessions, celebrate the installation of our incoming Board of Directors, and take part in meaningful networking opportunities throughout the conference. The event also features Cruise & Connect, our reimagined vendor showcase designed to help you engage with partners and discover valuable resources in an interactive setting.

  

  Full Conference Registration Rates

  Members

  $125 Early Bird (through May 31, 2026)

  $150 Regular Rate (after May 31, 2026)

  Non-Members

  $175 Early Bird (through May 31, 2026)

  $200 Regular Rate (after May 31, 2026)

  Single Day Registration Rates

  Members

  $100 - Day 1 / $75 - Day 2

  Non-Members

  $125 - Day 1 | $100 - Day 2

  Early Bird Discount

  Register by May 31 and save $25 on your registration.

  

  What’s Included with Registration

  Your full conference registration includes access to all scheduled education sessions, entry to the Cruise & Connect vendor showcase, all meals throughout the event on Wednesday and Thursday, and admission to the welcome reception. You will also have the opportunity to connect with industry peers, partners, and leaders from across Maryland.

  To view the full conference agenda, speaker information, and additional event details, please visit bigimd.com/annual.

  @bigimd / #BigIMaryland #MDBigIAnnual #BeyondTheHorizon

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    08/26/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

  Click Here to Register

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    08/26/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    08/26/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

  Click Here to Register

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    08/27/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

  Click Here to Register

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    08/27/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

  Click Here to Register

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    08/28/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

  Click Here to Register

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• E&O Nightmares (ABEN)

  • When
    08/28/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

  Click Here to Register

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    08/28/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

  Click Here to Register

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• Adding Value In Personal Lines (ABEN)

  • When
    08/28/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

  Click Here to Register

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    08/28/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

  Click Here to Register

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    08/28/2026
  •  
    4:00 PM - 7:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    08/31/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

  Click Here to Register

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    09/01/2026
  •  
    8:00 AM - 9:00 AM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    09/01/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

  Click Here to Register

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    09/01/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

  Click Here to Register

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• Umbrella & Excess In An Hour (ABEN)

  • When
    09/01/2026
  •  
    10:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

  Click Here to Register

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    09/01/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    09/01/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

  Click Here to Register

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    09/01/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

  Click Here to Register

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• Hot Topics In Personal Lines (ABEN)

  • When
    09/01/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    09/01/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

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• AI Implications in the Insurance Industry (ABEN)

  • When
    09/01/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    09/02/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    09/02/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    09/02/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    09/02/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

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• E&O Nightmares (ABEN)

  • When
    09/02/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

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• Workers' Compensation and the Law (ABEN)

  • When
    09/03/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

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• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    09/03/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

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• What To Do With Rental Cars (ABEN)

  • When
    09/03/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

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

  • When
    09/03/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    09/04/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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• Ethics - Creating a Winning Culture in the Agency (ABEN)

  • When
    09/04/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Ethics - Creating a Winning Culture in the Agency

  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.

  Course ID #109436 | 3 Ethics

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    09/04/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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

  • When
    09/04/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

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• Flood Insurance 2.0 (ABEN)

  • When
    09/04/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    09/04/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

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• Should I Do a Roth IRA? (ABEN)

  • When
    09/04/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

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• Office Closed - Labor Day

  • When
    09/07/2026

  
  

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients(ABEN)

  • When
    09/08/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

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• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    09/08/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

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• Directors and Officers Liability Insurance (ABEN)

  • When
    09/08/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

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• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    09/08/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    09/09/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    09/09/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    09/09/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    09/09/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    09/09/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

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• Adding Value In Personal Lines (ABEN)

  • When
    09/09/2026
  •  
    4:00 PM - 7:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    09/10/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    09/11/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    09/11/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

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• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    09/14/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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

  • When
    09/14/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    09/14/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    09/14/2026
  •  
    11:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

  Click Here to Register

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    09/14/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

  Click Here to Register

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• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    09/14/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    09/14/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

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

  • When
    09/14/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    09/14/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    09/15/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

  Click Here to Register

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• Hot Topics In Personal Lines (ABEN)

  • When
    09/16/2026
  •  
    8:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• AI Implications in the Insurance Industry (ABEN)

  • When
    09/16/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

  Click Here to Register

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• Midweek Free CE: Crime Insurance & Workers Compensation

  • When
    09/16/2026
  •  
    9:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  
  

  Midweek Free CE: Crime Insurance and Workers Compensation

  This CE day features two focused sessions: Crime Insurance in the morning and Workers Compensation in the afternoon. Gain valuable insights into these important commercial coverages and strengthen your ability to advise clients.
  

  Crime Insurance In An Hour

  9:00AM-10:00AM | 1 P&C – Maryland Only

  
  

  Workers’ Compensation In An Hour

  1:00PM-2:00PM | 1 P&C – Maryland Only

  
  

  This event is part of Big I Maryland’s Midweek Free CE Series, designed to help agents earn continuing education credits throughout the year at no cost to members. Offered in partnership with The Agents & Brokers Education Network (ABEN), this virtual series covers essential industry topics.

  
  

  Register once to gain access to the full series and receive reminders for each session.
  

  Click Here to Register

  Thank you to our 2026 Big I Maryland Partners for their ongoing support and commitment to Big I Maryland. Their partnership helps make initiatives like our Midweek Free CE Series possible, providing valuable education and resources to insurance professionals across Maryland.
  

  Show details
• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    09/16/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

  Click Here to Register

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    09/16/2026
  •  
    10:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

  Click Here to Register

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    09/16/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

  Click Here to Register

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    09/16/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

  Click Here to Register

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    09/16/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    09/16/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

  Click Here to Register

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    09/17/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    09/17/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

  Click Here to Register

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• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    09/17/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

  Click Here to Register

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    09/17/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

  Click Here to Register

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    09/17/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

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

  • When
    09/18/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

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• Workers' Compensation and the Law (ABEN)

  • When
    09/18/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

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• Umbrella & Excess In An Hour (ABEN)

  • When
    09/18/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

  Click Here to Register

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• What To Do With Rental Cars (ABEN)

  • When
    09/18/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

  Click Here to Register

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    09/21/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

  Click Here to Register

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    09/21/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    09/21/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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

  • When
    09/21/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

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• Should I Do a Roth IRA? (ABEN)

  • When
    09/22/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

  Click Here to Register

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• Ethics - Creating a Winning Culture in the Agency (ABEN)

  • When
    09/22/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Ethics - Creating a Winning Culture in the Agency

  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.

  Course ID #109436 | 3 Ethics

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• Flood Insurance 2.0 (ABEN)

  • When
    09/22/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

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• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    09/23/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

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• Directors and Officers Liability Insurance (ABEN)

  • When
    09/23/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients(ABEN)

  • When
    09/23/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

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• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    09/23/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    09/24/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

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• Adding Value In Personal Lines (ABEN)

  • When
    09/24/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    09/24/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    09/24/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    09/24/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    09/24/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    09/24/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

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• E&O Nightmares (ABEN)

  • When
    09/25/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    09/28/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    09/28/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

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

  • When
    09/29/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

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

  • When
    09/29/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

  Click Here to Register

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    09/29/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

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• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    09/29/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    09/29/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    09/29/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

  Click Here to Register

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    09/30/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

  Click Here to Register

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    09/30/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

  Click Here to Register

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• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    09/30/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    09/30/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    09/30/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

  Click Here to Register

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    10/01/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

  Click Here to Register

  Show details
• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    10/01/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

  Click Here to Register

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    10/01/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

  Click Here to Register

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

  • When
    10/01/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

  Click Here to Register

  Show details
• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    10/01/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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

  • When
    10/01/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    10/02/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    10/02/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    10/06/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

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• Umbrella & Excess In An Hour (ABEN)

  • When
    10/06/2026
  •  
    10:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

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• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    10/06/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    10/06/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

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• Adding Value In Personal Lines (ABEN)

  • When
    10/06/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    10/06/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    10/06/2026
  •  
    4:00 PM - 7:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• Directors and Officers Liability Insurance (ABEN)

  • When
    10/07/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

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• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    10/07/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients(ABEN)

  • When
    10/07/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

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• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    10/07/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    10/07/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

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• E&O Nightmares (ABEN)

  • When
    10/07/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

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

  • When
    10/08/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

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• Flood Insurance 2.0 (ABEN)

  • When
    10/08/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    10/08/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    10/08/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

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• Should I Do a Roth IRA? (ABEN)

  • When
    10/08/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

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• Ethics - Creating a Winning Culture in the Agency (ABEN)

  • When
    10/08/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Ethics - Creating a Winning Culture in the Agency

  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.

  Course ID #109436 | 3 Ethics

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    10/08/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    10/08/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    10/09/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    10/12/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    10/12/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    10/12/2026
  •  
    11:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    10/12/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    10/13/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

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• Hot Topics In Personal Lines (ABEN)

  • When
    10/13/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    10/13/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    10/13/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

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• AI Implications in the Insurance Industry (ABEN)

  • When
    10/13/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    10/13/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    10/13/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    10/13/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    10/14/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    10/14/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    10/15/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    10/15/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

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• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    10/15/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    10/15/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

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• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    10/15/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

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• What To Do With Rental Cars (ABEN)

  • When
    10/16/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

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

  • When
    10/16/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

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• Workers' Compensation and the Law (ABEN)

  • When
    10/16/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

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• Umbrella & Excess In An Hour (ABEN)

  • When
    10/16/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

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

  • When
    10/19/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

  Click Here to Register

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• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    10/19/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    10/19/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

  Click Here to Register

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    10/19/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

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

  • When
    10/19/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

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• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    10/19/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    10/20/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    10/20/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    10/22/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    10/22/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    10/22/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

  Click Here to Register

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    10/22/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

  Click Here to Register

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    10/22/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

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• Adding Value In Personal Lines (ABEN)

  • When
    10/22/2026
  •  
    4:00 PM - 7:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

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• Directors and Officers Liability Insurance (ABEN)

  • When
    10/23/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients(ABEN)

  • When
    10/23/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

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• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    10/23/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

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• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    10/23/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    10/26/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    10/26/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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

  • When
    10/26/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

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• Flood Insurance 2.0 (ABEN)

  • When
    10/26/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    10/26/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

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• Should I Do a Roth IRA? (ABEN)

  • When
    10/26/2026
  •  
    1:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

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• What To Do With Rental Cars (ABEN)

  • When
    10/27/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

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

  • When
    10/27/2026
  •  
    1:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    10/27/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    10/27/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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• Workers' Compensation and the Law (ABEN)

  • When
    10/27/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    10/28/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    10/28/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    10/28/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    10/28/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    10/29/2026
  •  
    8:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    10/29/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    10/29/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    10/29/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

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• Hot Topics In Personal Lines (ABEN)

  • When
    10/29/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    10/29/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    10/29/2026
  •  
    2:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

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• AI Implications in the Insurance Industry (ABEN)

  • When
    10/29/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

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• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    10/29/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

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• E&O Nightmares (ABEN)

  • When
    10/30/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    10/30/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

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• Online Property & Casualty Licensing Training

  • Start
    11/02/2026
  • End
    11/20/2026
  • Location
    Online (Zoom)

  Register

  Online Property & Casualty Licensing Training (Zoom)

  This course includes six instructor-led sessions plus a final review, all designed to provide focused exam preparation. Participants benefit from real-time Q&A and interactive discussions, along with ongoing study support throughout the course. You’ll gain practical knowledge from a seasoned insurance expert and receive a personalized 30-minute one-on-one session with the instructor to help reinforce key concepts and ensure you’re ready for the exam.

  Live Training Course Schedule: 

  Session 1: Foundations of P&C Insurance: General Concepts & Basics

  Monday, November 2, 2026 | 5:00 PM – 8:00 PM

  Session 2: Personal Property Coverage: Dwelling & Homeowners Policies

  Wednesday, November 4, 2026 | 5:00 PM – 8:00 PM

  Session 3: Auto Insurance Essentials: Personal & Commercial Coverage

  Monday, November 9, 2026 | 5:00 PM – 8:00 PM

  Session 4: Commercial Package Policy: Building Business Protection

  Wednesday, November 11, 2026 | 5:00 PM – 8:00 PM

  Session 5: Liability & Specialty Coverages: Beyond the Basics

  Monday, November 16, 2026 | 5:00 PM – 8:00 PM

  Session 6: Maryland Insurance Laws & Regulations

  Wednesday, November 18, 2026 | 5:00 PM – 8:00 PM

  Session 7: Licensing Final Review Day

  Friday, November 20, 2026 | 9:00 AM – 11:00 AM

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    11/02/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

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• Adding Value In Personal Lines (ABEN)

  • When
    11/02/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    11/02/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    11/02/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    11/02/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

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• Umbrella & Excess In An Hour (ABEN)

  • When
    11/03/2026
  •  
    10:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

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• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    11/03/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    11/03/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    11/04/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    11/04/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

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• E&O Nightmares (ABEN)

  • When
    11/04/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    11/04/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

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

  • When
    11/05/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

  Click Here to Register

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• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    11/05/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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

  • When
    11/05/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

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• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    11/05/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    11/05/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    11/05/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

  Click Here to Register

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    11/06/2026
  •  
    8:00 AM - 9:00 AM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

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• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    11/06/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

  Click Here to Register

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• AI Implications in the Insurance Industry (ABEN)

  • When
    11/06/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    11/06/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    11/06/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

  Click Here to Register

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    11/06/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

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• Hot Topics In Personal Lines (ABEN)

  • When
    11/06/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    11/06/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

  Click Here to Register

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    11/09/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    11/09/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    11/09/2026
  •  
    11:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    11/09/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    11/09/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    11/09/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

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• Workers' Compensation and the Law (ABEN)

  • When
    11/10/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

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• What To Do With Rental Cars (ABEN)

  • When
    11/10/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

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• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    11/10/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

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

  • When
    11/10/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

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• Office Closed - Veterans Day

  • When
    11/11/2026

  
  

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• Ethics - Creating a Winning Culture in the Agency (ABEN)

  • When
    11/11/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Ethics - Creating a Winning Culture in the Agency

  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.

  Course ID #109436 | 3 Ethics

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    11/11/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    11/11/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    11/11/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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

  • When
    11/11/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

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• Flood Insurance 2.0 (ABEN)

  • When
    11/11/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    11/11/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

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• Should I Do a Roth IRA? (ABEN)

  • When
    11/11/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    11/12/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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• Directors and Officers Liability Insurance (ABEN)

  • When
    11/12/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

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• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    11/12/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients (ABEN)

  • When
    11/12/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

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• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    11/12/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    11/13/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    11/17/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    11/17/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

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• Adding Value In Personal Lines (ABEN)

  • When
    11/17/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    11/17/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    11/17/2026
  •  
    4:00 PM - 7:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    11/18/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    11/18/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    11/18/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

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• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    11/18/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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

  • When
    11/18/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

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• Midweek Free CE: Artificial Intelligence & E&O Insights

  • When
    11/18/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  
  

  Midweek Free CE: Artificial Intelligence & E&O Insights

  Explore the evolving role of Artificial Intelligence in the insurance industry with two forward-looking sessions. In the afternoon, AI & E&O: A Double-Edged Sword takes a closer look at how AI can both reduce and introduce Errors & Omissions risks, along with practical considerations for agencies.

  AI & E&O: A Double Edged Sword

  1:00PM-2:00PM | 1 P&C – Maryland Only

  
  

  This event is part of Big I Maryland’s Midweek Free CE Series, designed to help agents earn continuing education credits throughout the year at no cost to members. Offered in partnership with The Agents & Brokers Education Network (ABEN), this virtual series covers essential industry topics.

  
  

  Register once to gain access to the full series and receive reminders for each session.
  

  Click Here to Register

  Thank you to our 2026 Big I Maryland Partners for their ongoing support and commitment to Big I Maryland. Their partnership helps make initiatives like our Midweek Free CE Series possible, providing valuable education and resources to insurance professionals across Maryland.
  

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

  • When
    11/18/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    11/19/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    11/19/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    11/19/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    11/19/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

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• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    11/19/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    11/20/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

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• E&O Nightmares (ABEN)

  • When
    11/20/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    11/20/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

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• Umbrella & Excess In An Hour (ABEN)

  • When
    11/20/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    11/20/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

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• Hot Topics In Personal Lines (ABEN)

  • When
    11/23/2026
  •  
    8:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    11/23/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

  Click Here to Register

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    11/23/2026
  •  
    10:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

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• AI Implications in the Insurance Industry (ABEN)

  • When
    11/23/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

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• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    11/23/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

  Click Here to Register

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    11/23/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    11/23/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    11/23/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    11/24/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

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• Should I Do a Roth IRA? (ABEN)

  • When
    11/24/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

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• Ethics - Creating a Winning Culture in the Agency (ABEN)

  • When
    11/24/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Ethics - Creating a Winning Culture in the Agency

  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.

  Course ID #109436 | 3 Ethics

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    11/24/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    11/24/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

  Click Here to Register

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

  • When
    11/24/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    11/24/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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• Flood Insurance 2.0 (ABEN)

  • When
    11/24/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    11/24/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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

  • When
    11/25/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

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• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    11/25/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    11/25/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

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• Workers' Compensation and the Law (ABEN)

  • When
    11/25/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    11/25/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

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• What To Do With Rental Cars (ABEN)

  • When
    11/25/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

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• Office Closed - Thanksgiving

  • Start
    11/26/2026
  • End
    11/27/2026

  
  

  Show details
• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    11/30/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients (ABEN)

  • When
    11/30/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

  Click Here to Register

  Show details
• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    11/30/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

  Click Here to Register

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• Directors and Officers Liability Insurance (ABEN)

  • When
    11/30/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

  Click Here to Register

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• Directors and Officers Liability Insurance (ABEN)

  • When
    12/01/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

  Click Here to Register

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• Umbrella & Excess In An Hour (ABEN)

  • When
    12/01/2026
  •  
    10:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

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• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    12/01/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

  Click Here to Register

  Show details
• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    12/01/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients (ABEN)

  • When
    12/01/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

  Click Here to Register

  Show details
• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    12/01/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

  Click Here to Register

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

  • When
    12/02/2026
  •  
    8:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    12/02/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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• Flood Insurance 2.0 (ABEN)

  • When
    12/02/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    12/02/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

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• Should I Do a Roth IRA? (ABEN)

  • When
    12/02/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

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• Ethics - Creating a Winning Culture in the Agency (ABEN)

  • When
    12/02/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Ethics - Creating a Winning Culture in the Agency

  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.

  Course ID #109436 | 3 Ethics

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    12/02/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

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• E&O Nightmares (ABEN)

  • When
    12/02/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    12/02/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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• What To Do With Rental Cars (ABEN)

  • When
    12/03/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

  Click Here to Register

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

  • When
    12/03/2026
  •  
    11:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

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• Workers' Compensation and the Law (ABEN)

  • When
    12/03/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

  Click Here to Register

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    12/04/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

  Click Here to Register

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    12/04/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

  Click Here to Register

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    12/04/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    12/07/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

  Click Here to Register

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    12/07/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

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• Hot Topics In Personal Lines (ABEN)

  • When
    12/07/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    12/07/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    12/07/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    12/07/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    12/07/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

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• AI Implications in the Insurance Industry (ABEN)

  • When
    12/07/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

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

  • When
    12/08/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    12/08/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

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• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    12/08/2026
  •  
    12:00 PM - 1:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    12/08/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

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

  • When
    12/08/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    12/09/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    12/09/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    12/09/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    12/10/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    12/11/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    12/11/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    12/11/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    12/11/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

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• Adding Value In Personal Lines (ABEN)

  • When
    12/11/2026
  •  
    4:00 PM - 7:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    12/14/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    12/14/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    12/14/2026
  •  
    11:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

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• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    12/14/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

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• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    12/14/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    12/14/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

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• Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts (ABEN)

  • When
    12/15/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Policy Analysis - Reading, Interpreting and Understanding Insurance Contracts

  Agents completing this course will be provided with an overview of contract law relating to insurance policy language and the understanding and interpretation of policy language. Included also will be the rules of reading policies, understanding how to read exclusions and exceptions to exclusions, and interpreting keywords and phrases.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112320 | 3 P&C

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• Directors and Officers Liability Insurance (ABEN)

  • When
    12/16/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Directors and Officers Liability Insurance

  This seminar is in three parts. The first addresses the corporate law principles that govern the standard of care for directors and officers. Simply put, what is the nature of the underlying liability that we are seeking to insure? After this, the seminar turns to a practical application of the first principles discussed. What are the current issues directors and officers face, and what are the trends with regard to claims?

  This forms the basis of the next section: a discussion of the statistics on severity and frequency of directors and officers claims, along with a few statistics on what actually does drive D&O purchasers and what should drive them to the purchasing decision. The purchasing decision has to confront the costs in the marketplace as it exists today, and the section concludes with some observations about price and capacity.

  The final section is extensive. It is devoted entirely to the D&O policy forms that producers are likely to encounter. It also contains an extended discussion on the structural transition from for-profit to non-profit organizations (along with a discussion of why nonprofit directors and officers to consider D&O insurance).

  With claims-made being the predominant form in the D&O world, the seminar detours into what may be a reminder for many insurance professionals – the difference between claims-made and occurrence products and the impact of retroactive dates. The seminar concludes with a few of the conditions of the standard policy form and some points which may be subject to being negotiated for larger risks.
  

  Course ID #109431 | 3 P&C

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• The "Lucky" Thirteen Most Important Issues in Homeowners Insurance (ABEN)

  • When
    12/16/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  The "Lucky" Thirteen Most Important Issues in Homeowners Insurance

  This broad-ranging three hour continuing education session is designed to be a review of the most important coverage issues in personal lines insurance for producers not well-versed in the intricacies which may be encountered. For those producers that are more familiar with personal lines issues, the course functions as a reminder of some significant issues to address with insureds and an update on current developments in the field.
  

  Course ID #111787 | 3 P&C

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• Proactive Workplace Violence Response: Mitigating Risks for Your Clients (ABEN)

  • When
    12/16/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Proactive Workplace Violence Response: Mitigating Risks for Your Clients

  In an increasingly unpredictable world, the risk of workplace violence presents significant concerns for businesses and their insurers. This comprehensive course is designed specifically for insurance agents who play a crucial role in helping clients understand, prepare for, and mitigate the risks associated with workplace violence.

  Participants will gain critical insights into identifying and assessing various types of threats that businesses may face, including external offenders, targeted attacks, and internal threats from current or former employees. The course will delve into why specific businesses may be targeted and explore the nuanced differences between the likelihood and impact of potential threats.

  Course ID #112548 | 1 P&C

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• Securing the Future: Insurance in an Era of Increased Natural Disasters (ABEN)

  • When
    12/16/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Securing the Future: Insurance in an Era of Increased Natural Disasters

  Upon completing this course, participants will understand the trends surrounding the frequency and severity of natural disasters and how the trend is affecting the personal and commercial insurance markets. We review historical data enabling the agent to confidently explain the changing environment to their clients. We will discuss what factors contribute to the hard market (property specifically) and how agents can instruct their clients on risk management, risk mitigation versus relying solely on financial risk transfer.
  

  Course ID #112550 | 2 P&C

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• The Personal Auto Policy - A Friendly Little Fella - Until He Isn't (ABEN)

  • When
    12/17/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  The Personal Auto Policy - A Friendly Little Fella - Until He Isn't

  The Personal Auto Policy (PAP) is the most often written insurance policy in our industry. If a person has only one insurance policy, it is very likely a Personal Auto Policy. This coverage form is an incredibly important part of a personal risk management plan for each and every personal lines client because of their liability exposures. Even if a client does not own an auto, a Personal Auto Policy should be considered. The PAP provides broad liability protection, but careful review of its Insuring Agreements, exclusions and conditions must be undertaken by the insurance professional to make certain that it is truly a ‘A Friendly Little Fella’.
  

  Course ID #111763 | 3 P&C

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• Evaluating, Insuring and Mitigating Flood Risk (ABEN)

  • When
    12/17/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Evaluating, Insuring and Mitigating Flood Risk

  Discover impactful ways to help your prospects and clients understand and evaluate their flood risk to help them make an informed decision on the need for flood insurance. Understand the options for insuring flood and what coverage differences exist between the NFIP and the private market. Identify permanent and temporary mitigation options to reduce flood risk and qualify for premium credits.

  Course ID #114553 | 3 Flood

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

  • When
    12/17/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Studies in Ethics - A Hippocratic Oath for Insurance Professionals

  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.

  Course ID #112490 | 3 Ethics

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• Flood Insurance 2.0 (ABEN)

  • When
    12/17/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  Flood Insurance 2.0

  Flooding remains one of the most costly and widespread risks in the U.S., making it critical for insurance professionals to fully understand the National Flood Insurance Program (NFIP). This course provides a comprehensive overview of the Flood Insurance policy, including its history, key products and coverages, policy rules, claims process, and rating procedures. You’ll also gain up-to-date insights into the most recent NFIP reforms and changes.

  Designed to meet NFIP training requirements, this course equips participants with the knowledge needed to better serve clients, navigate compliance, and confidently address today’s flood insurance challenges

  The flood course meets the requirements of the basic flood training required by FEMA.

  Course ID #114221 | 3 Flood

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• Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals (ABEN)

  • When
    12/17/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Watch Your Six - A Half Dozen Ethics Scenarios for Insurance Professionals

  For instructors as well as producers, the ongoing study of professional ethics is a continuing education class struggle. By the very nature of the subject, ethics classes run the risk of being filled with platitudes or devolving into sermons. Platitudes and sermons do not make for good attendee engagement, which ultimately hurts the effectiveness of the class.

  This seminar uses a few minutes to make this point and to explain what follows. The first hour is to demonstrate that professional ethics are worth studying – and worthy of continuing education – and do have a few objective characteristics to them. The hour concludes with a brief review of how professional ethics is good in theory and often quite bad in practice – it looks at the process of “moral disengagement” from an Insurance Journal article.

  The second and third hour seek to engage the students by reviewing actual, case-based situations to determine the best ethical resolution and decide how the controversy could have been avoided. In each instance, the scenario presented is based on a real case. Students receive “resolution” of the dilemma by the discussion of the outcome of the case, but are also left to ponder some of the ethics quandaries that are embedded in each situation.

  Course ID #109435 | 3 Ethics

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• Commercial Insurance Coverages, Court Cases and Chaos (ABEN)

  • When
    12/17/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Commercial Insurance Coverages, Court Cases and Chaos

  This course 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
  

  Course ID #111650 | 3 P&C

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• Should I Do a Roth IRA? (ABEN)

  • When
    12/17/2026
  •  
    1:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Should I Do a Roth IRA?

  Federal income taxes are at their lowest point in many years. With the National Debt over $30 Trillion a rise in taxes is imminent. This presentation shows way to create tax free money for the future. It emphasizes both the Individual Roth IRA and the Roth 401(k).

  Course ID #110015 | 2 L&H

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• You Gotta Be Kidding Me! Strange but True Claims (ABEN)

  • When
    12/17/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  You Gotta Be Kidding Me! Strange but True Claims

  After 30 years in the insurance business, you're bound to collect some unbelievable stories, and this session delivers them all. Join us for a fast-paced, entertaining look at actual (and truly strange) claims that prove insurance is never as straightforward as it seems. Bizarre accidents, unexpected liabilities, and legal twists & turns; this course will keep you guessing, while reinforcing important lessons about coverage, communication, and critical thinking. Because in this business, it's never what you think it's going to be.
  

  Course ID #113725 | 2 P&C

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• What To Do With Rental Cars (ABEN)

  • When
    12/18/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  What To Do With Rental Cars

  This course will examine the coverages provided by the Personal Auto policy for rental cars and some of the potential coverage gaps that may be created by the rental car contract.
  

  Course ID #111750 | 3 P&C

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• Umbrella & Excess In An Hour (ABEN)

  • When
    12/18/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Umbrella & Excess In An Hour

  This one-hour continuing education course clarifies the often-misunderstood distinctions between umbrella and excess liability policies. While the terms are frequently used interchangeably, they serve different purposes and function in unique ways within a liability insurance program. Participants will examine why these coverages are increasingly critical in today's environment of rising verdicts, social inflation, and litigation funding. The course reviews the three primary purposes of umbrella and excess policies, compares policy structures (follow-form excess, excess liability, and umbrella), and explores key underwriting considerations including the ACORD 131 application, Self-Insured Retentions (SIRs), and common exclusions and conditions. Important case law decisions highlighting policy language consistency and concurrency of coverage are also discussed. Practical examples of layering structures and real-world policy considerations ensure attendees leave with a clear, working understanding of how these coverages operate.
  

  Course ID #114401 | 1 P&C

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

  • When
    12/18/2026
  •  
    1:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  What Ever Happened to "And They Lived Happily Ever After?"

  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.
  

  Course ID #110016 | 2 L&H

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• Workers' Compensation and the Law (ABEN)

  • When
    12/18/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Workers' Compensation and the Law

  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.
  

  Course ID #109432 | 3 P&C

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• What a Crime - Understanding Crime Insurance (ABEN)

  • When
    12/21/2026
  •  
    11:00 AM - 2:00 PM
  • Location
    Online (ABEN)

  What a Crime - Understanding Crime Insurance

  This seminar will explore the need for crime insurance and explain the methods of writing crime insurance. Participants will learn the difference in the Loss Sustained and the Discovery forms of crime policies and examine some of the most widely needed crime insurance forms. The course concludes by examining crime insurance exclusions and policy conditions.
  

  Course ID #111652 | 3 P&C

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• Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks (ABEN)

  • When
    12/21/2026
  •  
    3:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Are You Smarter than an Underwriter? 7 Simple Underwriting Questions No One Asks

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #112861 | 2 P&C

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• Homeowners Insurance Facts and Follies (ABEN)

  • When
    12/21/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Homeowners Insurance Facts and Follies

  How much do we really know about the coverages provides by the standard ISO Homeowners policy? This course will look at a wide variety of scenarios faced by the typical homeowner and discuss how, if at all, the Homeowners policy would respond. Topics discussed are valuation, the cost to build vs re-build, insurance to value, other structures, the definition of premises, deductibles, special limits, trees and debris removal, mold, and host liquor liability. What you think you know and what the policy provides, may be surprising!
  

  Course ID #109437 | 3 P&C

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• Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So) (ABEN)

  • When
    12/22/2026
  •  
    8:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  Farm and Insurance Issues - Top Ten Cases of the Last Decade (Or So)

  The theme is simple; the cases and principles are not. This is a quick-moving survey of the most important agriculture and farm-related insurance decisions in the last ten years or so. After a brief introduction, the seminar will involve presenting the facts and the outcome of each case to the attendees, and then discussing the implications of the decisions and perhaps some of the lessons to be learned.

  Course ID #110109 | 2 P&C

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• AI Implications in the Insurance Industry (ABEN)

  • When
    12/22/2026
  •  
    9:00 AM - 10:00 AM
  • Location
    Online (ABEN)

  AI Implications in the Insurance Industry

  This seminar begins with a “big picture” look at Artificial Intelligence. Many view AI as a precursor to a doomsday scenario, which is why the introductory section contains a reference to The Terminator movie franchise and Skynet becoming self-aware. However, AI is enabling incredible breakthroughs in analyzing mountains of data. The Herculaneum Scrolls are being successfully (albeit slowly) deciphered without being unrolled and destroyed. This is not merely a point of curiosity for the insurance industry. The discussion sets the stage for the good, and not-so-good, ways in which AI can be used inside the insurance industry. The seminar concludes with a look at how AI handles coverage questions, with the answer being “better, but not great yet.” This section borrows from materials developed by Randy Maniloff, a nationally known coverage attorney. Mr. Maniloff “asked” AI some coverage questions in 2023 and again in 2024. AI flunked the test, so to speak, in 2023, but managed to eke out a passing grade in 2024.
  

  Course ID #112549 | 1 P&C

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• Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe (ABEN)

  • When
    12/22/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Business Income - More Important and Much Simpler Than Agents Believe

  Few insurance products provoke as much fear or visceral reactions as business income protection (a.k.a. time element coverage). Without being overly convincing, business income concepts are actually simple to understand and explain. The reason such fear exists is because the coverage has long been shrouded in mystery and taught (and understood) incorrectly.

  Grasping and properly applying business income coverage requires little more than an understanding of time & because business income is almost entirely based on time. The amount of business income coverage and the coinsurance calculation are almost of secondary importance. In fact, determining the correct coinsurance percentage and coverage limit is the direct result of accurately estimating the time needed for a business to return to full operational capability. Contrary to popular belief, an intimate understanding of financial documents (income statements, balance sheets, etc.) is not necessary to construct a proper business income program.

  This session explores the key business income concepts necessary to conquer any fear of this most important coverage.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112692 | 3 P&C

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• Hot Topics In Personal Lines (ABEN)

  • When
    12/22/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  Hot Topics In Personal Lines

  This seminar begins with a practically oriented inquiry into how losses are adjusted on a day-to-day basis. The seminar introduces not only the two key adjustment valuation measures – “actual cash value” and “replacement cost” – but also stresses to the students that the concepts are not as uniform and concrete as industry practice may suggest. It then explains why this matters and includes practical illustrations of loss adjustment scenarios in which it is either impractical, impossible, or at least implausible to recreate precisely what the insured had prior to the loss. These situations include older homes with ornate or impossible to replace materials; farm structures which cannot be rebuilt; and similar instances in which loss adjustment or settlement is complicated.

  The seminar then turns to the increasingly frequent and vexing problem of who is a “resident” of a household for insurance purposes. For nearly two decades, states such as Indiana has used formulations such as, “[O]n the whole, the person will be a resident if all the facts demonstrate that he or she has maintained a ‘fixed abode’ in the household for some continuous time.” (Allstate Insurance Co v. Shockley (S.D. In. 1991)).

  Practically speaking, this is not of much assistance to producers. The section (and the problem) is illuminated by examining some of the other rules for “residency,” such as:

  • The person need not be a permanent member of the household.
  • The person must possess the subjective intent to stay for more than a “transitory” period;
  • That subjective intent may be found in objective words and actions.

  The seminar then turns to issues connected with having a personal lines insured operate a business out of the insured home. This section discusses the prevalence of such arrangements, and also how those arrangements are treated under industry standard forms. This section concludes with a discussion of case law.

  Course ID #12292 | 2 P&C

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• An Insurance Horror Story - Hoarders (ABEN)

  • When
    12/22/2026
  •  
    12:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  An Insurance Horror Story -Hoarders

  This class will look at characteristics that lead to hoarding and examine reasons why insurance companies may not want to insure the increased risks hoarding can bring. It will take a look at some famous hoarders in history, and the obsessive need to keep items.

  We will discuss some of the different types of items that are hoarder and the general issues they can cause. We will review actual insurance claims involving hoarders and discuss other possibilities that could lead to claims, whether damage to the property or from the property.

  We will discuss how carriers can try to address the problem and discuss differences that make these unique claims handling situations.

  Course ID #111417 | 2 P&C

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• Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance - COIs & ECPIs (ABEN)

  • When
    12/22/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Certificates of Insurance and Evidences of Commercial Property Insurance: COIs and ECPIs

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112842 | 3 P&C

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• Cyber 101: The Basics of Cyber Insurance (ABEN)

  • When
    12/22/2026
  •  
    2:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Cyber 101: The Basics of Cyber Insurance

  This hour of continuing education is designed to be introduction to the basics of insuring cyber risks. It is designed for producers who are not familiar with the coverage and the basic contours of the risk that insureds have.
  

  Course ID #110906 | 1 P&C

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• Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella (ABEN)

  • When
    12/22/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Avoiding E&O in the Personal Auto Policy and Personal Umbrella

  Private Passenger Auto (PPA) is the largest line of insurance within the U.S. property and casualty insurance industry. This is likely due to the statutory requirement to carry specified minimum amount of liability coverage coupled with the fact that there are over 270 million private passenger type vehicles registered in the US.

  The frequency of personal auto policies often creates an indifference to its complexity. After all, it's just auto coverage, right? This carefree attitude creates the perfect conditions for errors & omissions (E&O) claims.

  PPA is as complex as any line of coverage, but its placement frequency has lessened the industry's attention to detail. Understanding the key concepts and definitions common to PPA coverage is the key to avoiding E&O claims.

  Umbrella and Excess policies are just as problematic; maybe more so. Unlike PPA and other lines, there is not as much uniformity between and among these forms. What we call an Umbrella may actually only be an Excess form. To complicate it even further, what we call an Excess form may actually be a self-contained form that does not provide excess over all underlying coverages.
  

  Insurance is simple in its purpose but complex in its application. This is also true for Private Passenger Auto and Umbrella/Excess policies. Don't be lulled into complacency by the apparent simplicity of these coverages & pay attention to the details.

  The PAP has many moving parts, all working together, and it takes knowledge to keep all those parts coordinated. This course walks students through the unique and E&O- laced facets surrounding the Personal Auto Policy and Personal Umbrella.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112691 | 3 P&C

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

  • When
    12/23/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

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

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112334 | 3 P&C

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

  • When
    12/23/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Homeowners Part II - Property Coverages

  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.
  

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112336 | 3 P&C

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• Organizational Culture - The Solution for Creating an Ethical and Productive Agency (ABEN)

  • When
    12/23/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Organizational Culture - The Solution for Creating an Ethical and Productive Agency

  Most ethics courses are reactive rather than proactive. This course attacks the ethical discussion with a unique twist. Create an organization through culture, hiring practices and teamwork greatly reduce the likelihood that an ethical breech will occur. Buckle up, this will be a little different than most courses you will ever attend, but may just leave your agency not only ethical, but more productive than ever.
  

  Course ID #111210 | 3 Ethics

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• Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them (ABEN)

  • When
    12/23/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Understanding Commercial Property Gaps and Knowing How to Fill Them

  Certificates of Insurance (COIs) and Evidences of Commercial Property Insurance (ECPIs) are intended to be nothing more than proof that certain types of insurance coverages exist. In theoretical terms, COIs and ECPIs do nothing to alter or even effectuate coverage but neither lawyers nor risk managers seem to believe or accept this reality.

  Agents face pressure from these third-party holders and their clients to possibly commit fraud simply to allow the holder to check a box and the client to get paid. Third party certificate holders want to force wording on certificates that may or may not be supported by the policy language. Obviously, the easy way is to insert information that isn't true simply to avoid the fight and the pressure & just to make the demand go away. This is where errors and omissions (E&O) claims are born.

  Never, never put information on either a COI or ECPI that is not and cannot be supported by policy language. Because these documents are nothing more than single-page evidence that a policy exists, no information contained within them should be forced by an outside party.

  Never tire of doing what is right. The problems that appear to be caused by COI and ECPI requests are functionally the result of flaws and gaps in the insurance program placed for the insured.
  

  In reality, what the COI and ECPI holder want is for their contractor or sub-contractor to have specific insurance coverages evidenced by these documents. If the coverages can be placed, no problem; if the coverages cannot be placed DO NOT say they exist on the COI or ECPI.

  But even though some COI and ECPI issues can be "fixed" with changes to the insurance program, there are some wording requests that can NEVER be honored. This session focuses on both sides; what can be fixed, what may not be fixable, and what should NEVER be stated on a COI or ECPI. Buckle up! This is a fun ride.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112843 | 3 P&C

  Click Here to Register

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• An Hour of True Crime - Wrong Way Driver (ABEN)

  • When
    12/23/2026
  •  
    3:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Wrong Way Driver

  This course will discuss a four car accident which resulted in multiple fatalities. Attendees will learn what coverages were needed to respond to the loss and to the multiple lawsuits which arose from the loss.
  

  Course ID #111424 | 1 P&C

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• Planning for Success: Strategies for Insurance Agency Growth in Today's Market (ABEN)

  • When
    12/23/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Planning for Success: Strategies for Insurance Agency Growth in Today's Market

  The main reason an insurance agency fails is due to lack of planning. But planning isn't just the responsibility of agency owners - the entire agency should be involved. This course will examine how to implement the planning process and how to avoid the fatal mistakes. Attendees will learn the essentials of the budgeting process and the important metrics that must be tracked to assure agency growth and success. Finally, we will examine how to set and track goals and evaluate for accountability.
  

  Course ID #114376 | 3 P&C

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• Office Closed - Christmas

  • Start
    12/24/2026
  • End
    12/25/2026

  
  

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• The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers (ABEN)

  • When
    12/28/2026
  •  
    9:00 AM - 11:00 AM
  • Location
    Online (ABEN)

  The Many Faces of Insurance Fraud: Shedding Light on the Tactics of Modern Day Swindlers

  Did you know that fraud is like a parasite, feeding on the lifeblood of the insurance industry and causing billions in losses each year? Join Chuck Gallagher, a renowned expert in fraud prevention, for 'The Many Faces of Fraud: Shedding Light on the Tactics of Modern-Day Swindlers,' a captivating two-hour course that will empower you to thwart these financial predators.

  Chuck will guide you through the most common forms of insurance fraud, revealing the psychology and motivations of swindlers. Through real-life case studies and hands-on exercises, you'll learn practical strategies for identifying red flags and responding effectively to safeguard your organization.

  This course is perfect for claims adjusters, underwriters, agents, or any insurance professional seeking to fortify their defenses against fraud. Enroll now to gain invaluable insights and join the fight against these cunning adversaries!

  Course ID #111485 | 2 Ethics

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• Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy (ABEN)

  • When
    12/28/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Coverage B - Personal & Advertising Injury Under the Commercial General Liability Policy

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

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #112418 | 3 P&C

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• An Hour of True Crime - Schoharie Limousine Accident (ABEN)

  • When
    12/29/2026
  •  
    1:00 PM - 2:00 PM
  • Location
    Online (ABEN)

  An Hour of True Crime - Schoharie Limousine Accident

  This powerful session examines the tragic Schoharie limousine accident through the lens of insurance and claims handling. Attendees will explore the sequence of events, the insurance coverages involved, and the steps taken during the claim investigation. The course highlights the importance of thorough investigation practices, accurate coverage analysis, and how proper risk management can impact outcomes in high-profile cases. A must-attend for those interested in the intersection of real-life events and insurance responsibilities.
  

  Course ID #113756 | 1 P&C

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• Coverage Essentials: Introduction to the Homeowners Policy (ABEN)

  • When
    12/29/2026
  •  
    2:00 PM - 5:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Introduction to the Homeowners Policy

  This comprehensive course is designed to deepen insurance professionals' understanding of Homeowners insurance policies. Participants will explore the key differences between the various Homeowners Coverage Forms and gain a clear understanding of the eligibility requirements for each. Emphasis will be placed on the critical importance of accuracy in writing new Homeowners policies, including common pitfalls and how to avoid them. The course will also highlight how to identify situations that require the addition of other interests such as mortgagees or additional insureds to ensure proper policy structure and compliance. Ideal for agents, underwriters, and customer service representatives, this course will enhance both technical knowledge and practical application in Homeowners insurance.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113939 | 3 P&C

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• Personal Auto Policy - Liability - A Deep Dive (ABEN)

  • When
    12/29/2026
  •  
    2:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Liability - A Deep Dive

  There are over 275,000,000 registered vehicles on US roads. The majority of these vehicles are considered private passenger autos (including vans and light trucks), & are owned by individuals and used personally. The overwhelming majority of these vehicles are insured with a personal auto policy, making the PAP the most often written coverage form in our industry. If a person has only one insurance policy, it is likely a Personal Auto Policy.

  Still, this coverage form has many "mysteries" - for both the insurance professional and the policyholder. This presentation will take a deep dive into liability coverages available in this form and will provide information on endorsements that should be considered for nearly every personal auto risk.

  Course ID #114555 | 2 P&C

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• Power of Prevention: Agency Risk Management Essentials of Management (ABEN)

  • When
    12/30/2026
  •  
    9:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Management

  This three-hour class Essentials of Management specifically targets management's responsibilities for reducing E&O exposure in the agency. Agency employees involved in sales and service are on the front lines when it comes to reducing E&O exposure. But management provides the tools and the oversight for their success. Department managers, supervisors and agency principals set the guidelines and controls by which employees perform their work. No matter what your title, if you are involved in management, this class will provide valuable insights to help reduce your agency's E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113553 | 3 P&C

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• Adding Value In Personal Lines (ABEN)

  • When
    12/30/2026
  •  
    10:00 AM - 1:00 PM
  • Location
    Online (ABEN)

  Adding Value In Personal Lines

  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.

  Course ID #111211 | 3 P&C

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• Personal Auto Policy - Physical Damage - A Deep Dive (ABEN)

  • When
    12/30/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  Personal Auto Policy - Physical Damage - A Deep Dive

  The costs to repair or replace private passenger autos, pickups, vans and trailers continue to escalate. Also, the time needed to properly repair damage to an auto can be much longer than anticipated, resulting in unexpected loss of use expenses.

  The ISO Personal Auto Policy can be an effective tool in a personal lines client’s risk management program for many of these exposures. The physical damage coverages that can be included in the PAP are designed to finance physical damage risks associated with both owned and non-owned autos.

  The insurance professional must understand the intricacies of this coverage part in order to meet their clients' needs. A very common question is “do I have coverage when I rent a car? We will address that question and many others as part of this presentation.

  Course ID #114556 | 2 P&C

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• E&O Nightmares (ABEN)

  • When
    12/30/2026
  •  
    10:00 AM - 12:00 PM
  • Location
    Online (ABEN)

  E&O Nightmares

  This two-hour course takes an in-depth look at some of the most challenging and complex issues agents encounter when navigating Errors & Omissions (E&O) claims. Through real-world examples and practical insights, participants will explore common pitfalls, high-risk scenarios, and best practices for minimizing exposure. Ideal for insurance professionals seeking to strengthen their risk management strategies and confidently handle even the most difficult E&O situations.

  Note: This course is not approved for Swiss Re Risk Management credit. It is approved for CE credit only.
  

  Course ID #113726 | 2 P&C

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• Power of Prevention: Agency Risk Management Essentials of Service (ABEN)

  • When
    12/30/2026
  •  
    12:00 PM - 3:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Service

  This lass targets customer service functions in the agency. Customer service professionals may hold various titles, including Customer Service Representative (CSR), Customer Service Agent (CSA), Account Manager, Account Agent, or Account Executive, for example. In some agencies, producers may also perform customer service tasks. No matter what your title, if you interact with customers, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113541 | 3 P&C

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• Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance (ABEN)

  • When
    12/30/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Coverage Essentials: Cyber Insurance Coverage & Employment Practices Liability Insurance

  Both cyber claims and employment practices (EPL) claims share something in common: Troubling incidents are on the rise, and today's cyber and EPLI policies offer coverages that agents must tailor to their clients' risk profiles. This course provides a deep dive into cyber coverage and a briefer overview of the EPLI coverage forms. Participants will learn about the coverages available for both cyber exposures and employment practices and be able to better assist their clients in protecting themselves from cyber and employment risks.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #114564 | 3 P&C

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• Kids and Cars - Claims That Should Scare You (ABEN)

  • When
    12/30/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Kids and Cars - Claims That Should Scare You

  This course examines high-risk automobile and homeowners liability exposures involving youthful drivers, college students, and household members. Participants review Personal Auto and Homeowners policy language, definitions of insured status, ownership and regular-use exclusions, and umbrella policy considerations to determine how coverage applies or fails to apply-in common family situations such as titled vehicles, co-signed loans, children away at college, shared housing, and non-owned vehicle use.

  Course ID #114375 | 3 P&C

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• Demystifying the Business Auto Coverage Form (ABEN)

  • When
    12/30/2026
  •  
    1:00 PM - 4:00 PM
  • Location
    Online (ABEN)

  Demystifying the Business Auto Coverage Form

  The Business Auto Policy (BAP) is the 'go to' coverage form for our clients who have liability and physical damage exposures. Protection for autos owned by, used by and even those autos not owned by our clients, but for whom they have vicarious responsibility can be afforded coverage in a properly-written BAP. This session will remind insurance professionals that coverage in the BAP must be 'constructed'. Much like a puzzle, once properly put together, the BAP is a work of art. If not properly constructed, any missing pieces of the puzzle can be result in anything but a beautiful picture. A thorough review of definitions, Symbols, the liability Insuring Agreement and exclusions will remind the participant how important it is to limit the missing puzzle pieces.
  

  Course ID #114356 | 3 P&C

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• Power of Prevention: Agency Risk Management Essentials of Sales (ABEN)

  • When
    12/30/2026
  •  
    3:00 PM - 6:00 PM
  • Location
    Online (ABEN)

  Power of Prevention: Agency Risk Management Essentials of Sales

  This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure.

  This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

  This course is approved for the Swiss Re Risk Management Credit. You can learn more about this program and how your agency can save at bigimd.com/eo-training. 

  Course ID #113542 | 3 P&C

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• Office Closed - New Years Day

  • When
    01/01/2027

  
  

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