Be Careful What You Ask For... NEW 2013 ISO CGL Changes
Approved for 1 hr P&C CE credit    $59

For the first time in six years, ISO has made numerous changes to its Commercial General Liability (CGL) policy forms and endorsements. There are about a dozen coverage form changes plus 80+ new or revised endorsements, including MAJOR changes in ADDITIONAL INSURED endorsements, a revision of the liquor liability exclusion for BYOB establishments, pollution exclusion changes, and more.
 
The ADDITIONAL INSURED changes include a new blanket contractual endorsement, a new “primary and noncontributory” endorsement, and a limitation of coverage for additional insureds to contractual insurance requirements. In addition to these changes, we’ll highlight some critically important coverage gaps and issues in the CGL program.


Ethics and Business - Is This an Oxymoron?
Webcast sponsored by IIABSC and Powered by ABEN
Approved for 3 Hrs Ethics CE     $60 Members/$85 Non-Members
Dates Webcast Available:   1/16/13   2/14/13   3/19/13   4/18/13   5/14/13  6/11/13  
                                             7/25/13   8/20/13   9/24/13   10/8/13   11/12/13   12/17/13                   

This course is designed to satisfy the Dept. of Insurance mandate for Ethics Continuing Education in SC. What does it mean to act ethically? What are the different levels of ethical behavior (legal, personal, professional)?  This course will include a review of the basic elements of ethical behavior, codes of ethics for insurance professionals as well as our ethical duties to our companies vs... our customers. We will also examine real-life situations that agents can find themselves in and explore the various options that we can take in those situations. 


Building Codes are Bad For Your Insureds;
Why Ordinance or Law Coverage is Necessary  
Webcast sponsored by IIABSC and Powered by ABEN
Approved for 2 hrs. P&C CE credit in SC     $48 Members/$68 Non-Members
Dates Webcast Available:  2/13/13   4/17/13   6/19/13   8/14/13   10/15/13   12/10/13
                 
This course is designed to help agents gain a better understanding of one of the most overlooked coverages in Property Insurance – Ordinance or Law.   Participants are expected to gain a deep understanding of the coverage exposures presented by building codes (that of turning a partial loss into a total loss) and how to manage those exposures from an insurance perspective.


Bonds: Shaken, Not Stirred
Webcast sponsored by IIABSC and Powered by ABEN
Approved for 2 hrs. P&C CE credit in SC     $48 Members/$68 Non-Members
          Watch for 2013 Dates!

Most agencies do not work with surety bonds on a daily basis, but growth-oriented producers and CSRs can expand their overall book of business by soliciting surety accounts. This two-hour webcast reviews contract bonds (bid and performance bonds) license and permit bonds, public official bonds, court bonds and misc. other varieties such as lost securities, hazardous waste and financial guarantee bonds. 


Business Auto Claims that Cause Problems
Webcast sponsored by IIABSC and Powered by ABEN
Approved for 2 hrs. P&C CE credit in SC     $48 Members/$68 Non-Members
Dates Webcast Available:   1/15/13   3/5/13   5/7/13   7/9/13   9/10/13   11/5/13
     
When putting a commercial lines package together sometimes we don't give the proper attention to the Business Auto Policy. This policy full of E&O potential! This course is designed to shed light on the most common mistakes we make when insuring commercially owned vehicles.  We will discuss "Who is an insured", "Additional Insured Endorsement", "Application of Symbols", "Employee Hired Auto" and don't forget the biggest E&O exposure of them all "Drive Other Car".


Business Income: Beyond the Basics
Webcast sponsored by IIABSC and Powered by ABEN
Approved for 3 hrs. P&C CE credit in SC     $72 Members/$102 Non-Members
Dates Webcast Available:  1/22/13   3/13/13   5/23/13   7/16/13   9/17/13   11/13/13
   
Covered will be: Four key concepts you must know to properly write Business Income Coverage; major policy provisions; how to calculate coinsurance, period of restoration and coverage amounts; non-coinsurance options and when to consider them; how to determine extra expense needs and options for coverage.
 

Certificates of Insurance
Webcast sponsored by IIABSC and Powered by ABEN
Approved for 3 hrs. P&C CE credit in SC     $72 Members/$102 Non-Members
 Dates Webcast Available:   1/17/13    2/13/13   3/13/13   4/17/13   5/15/13   6/11/13 
                                              7/17/13   8/15/13   9/17/13   10/10/13   11/5/13   12/10/13         
  
 Certificates of Insurance is a document that verifies your insurance for specific coverages and coverage limits with your insurance company's name for a stated period of time. It is one of the more high risk documents that pass between insureds, agents, insurors and third parties.   This webcast will discuss why 1 in approximately 25 E&O claims now involve a Certificate of Insurance because of failing to add or properly identify additional insureds or misrepresenting coverage on the certificate.  Review the format and implications of Certificates of Insurance; E&O statistics and court cases involving ineffective use of the Certificate of Insurance, how to implement solutions to the problem and much more.


COPE - Property Underwriting and Effective Loss Control
Webcast sponsored by IIABSC and Powered by ABEN
Approved for 2 hrs. P&C CE credit in SC $48 Members/$68 Non-Members
Dates Webcast Available:   2/13/13   4/17/13   6/19/13   8/14/13   10/15/13   12/10/13

COPE is an acronym that stands for the four property risk characteristics an underwriter reviews when evaluating a submission for property insurance: Construction (e.g., frame, brick, masonry, masonry veneer); Occupancy (how the building is being used); Protection (e.g., quality of the responding fire department, adequacy of water pressure and water supply in the community, the presence or absence of smoke alarms, etc.); and Exposure (risks of loss posed by neighboring property or the surrounding area, taking into consideration what is located near the property, such as an office building, a subdivision, or a fireworks factory).


Estate Planning Techniques: Gifts, Trusts & Life Insurance
Webcast sponsored by IIABSC & Powered by ABEN
Approved for 2 hrs. L&H CE credit in SC     $48 Members/$68 Non-Members
Dates Webcast Available:   2/21/13   4/25/13   6/20/13   8/22/13   10/24/13   12/19/13

The term "Estate Planning" has numerous meanings.  To some it may mean having a written will. For others, it may be formation and use of one or more Trusts.  For still others, it may be implementing various techniques for the reduction or elimination of estate taxes.  This two hour webcast will focus on these items and various areas that individuals can consider for their estate planning needs.  In addition to specific planning techniques - that will probably require the use of a competent attorney - the proper issuance of life insurance (ownership, beneficiary, etc.) will also be discussed.  


Insurance and The Property Lease
Webcast sponsored by IIABSC and Powered by ABEN
Approved for 2 Hrs P&C CE         $45 Members/$65 Non-Members
Dates Webcast Available:   1/23/13   3/12/13   5/14/13   7/30/13   9/17/13   11/12/13    
     
This is without a doubt one of the most confusing commercial property issues we deal with today.  This course will address the tough issues that are so often not talked about even in education circles.  Should an agent read leases?  What advice should we give or not give?  Who should insure the building when the owner leases the building to a tenant?  And let’s not forget the most difficult, how to insure tenant improvements and betterment.  If you insure any lessor/lessee risks this class will be worth the time!


Insuring Condominiums
GoToWebinar
Approved for 2 Hrs P&C CE         $45 Members/$65 Non-Members  
      Watch for in 2013!

There are three things you must understand to adequately write insurance for a condominium-unit owner. This webinar will adequately address all three issues, which are:

1. How to read and understand association documents 
2. How to understand South Carolina Horizontal Property Regime statute and a review of the coverages provided in the insurance policy.
3. Something you may have heard us say before…”When writing condos, either get in or get out.” Nothing could be more true and I will explain why.

The topic of Retirement Planning is an area that seems to become more important as people get closer to that event. This session will review the advantages and disadvantages of various retirement planning vehicles and concepts. This will include both qualified and non-qualified plans. discussion concerning qualified plans will include: IRAs, ROTH, 401k, SIMPLE and a SEP. The discussion concerning non-qualified plans will include: Life insurance, annuities, stocks/bonds and Social Security. The session will conclude with a review of annuities: features, tax rules, distribution options and general contract provisions.
 

One of the most pressing personal lines agents get is “What should I do with my kids?”  This question brings several answers to mind, but let’s stick to insurance.  This course deals with many subjects but none more important than these:
•    Should I take my kids off my policy and insure them under their own policy?
•    Can I be legally liable for the actions of my kids?
•    My kids are going away to college, what should I do?

This course is specifically designed to answer these questions and others as they relate to our personal insurance programs.


Top Five Life Insurance Uses
 Webcast sponsored by IIABSC and Powered by ABEN
 Approved for 2 hrs. L&H CE credit in SC     $48 Members/$68 Non-Members
 Dates Webcast Available:   2/14/13   4/18/13   6/13/13   8/15/13   10/17/13   12/12/13          
There are many uses and needs for Life Insurance. This program will examine 5 uses that the agent can discuss with the prospect. The uses range from fairly simple personal needs concepts (Creating an Estate and Paying off the Home Mortgage), to more complicated business concepts (Insuring the Key Person and Funding the Buy-sell Agreement). The program concludes with a discussion concerning the concept of using life insurance to coordinate with Qualified plans and providing a Tax-Free Retirement Plan for the loved-ones. In addition to the discussion of the five concepts, there will also be a review of the “Advantages of Life Insurance”. 

Workers Comp - Beyond the Basics
Webcast sponsored by IIABSC and Powered by ABEN
Approved for 3 hrs. P&C CE credit in SC $72 Members/$102 Non-Members
Dates Webcast Available:   1/22/13   3/13/13   5/23/13   7/16/13   9/17/13   11/13/13

Workers Compensation: Beyond the Basics - Covered will be: The "course and scope" rule and how it is used to determine compensability; how to define employees vs. independent contractors vs. general contractors; what is included in remuneration; exceptions to the governing classification rule; and the ABCs of premium audits.
   

"Lunch & Learn" series   We know your time is an important factor in deciding to attend a course. In response we developed the Lunch and Learn series in order to minimize the impact on your attention to your clients and maximize your continuing path of "Excellence Through Education."  Only one hour long, each seminar begins at Noon and is only $25 for members$45 for non-members. Register online starting with the IIABSC Education and Event Calendar. Links to register for the Go-To-Webinar session will be in your confirmation email.  All Lunch & Learn Seminars - 12:00pm/1:00pm                     Watch for the 2013 Webinars soon! 2011 Homeowner Form Changes - (GoToWebinar) Approved for 1 Hr P&C Credit     $25 Members/$45 Non-Members The one thing that never changes about the insurance business...is that everything changes!  This webinar will look at each of the changes to the brand new, hot off the shelf in 2011 Homeowners Program effective in SC in May, 2011.  We will also identify for each of the changes if it is a broadening or restriction of coverage and the implication it has for your clients!  This webinar is a must for your personal lines staff.   Commercial Excess vs. Umbrella Coverage - (GoToWebinar) Filed for 1 Hr P&C Credit    $25 Members/$45 Non-Members We are an industry that throws names around as if they mean something. Nothing can be truer than with this course.  We use the terms "Umbrella" and "Excess" liability synonymously but nothing could be further from the truth.  In this course we will start by defining these terms and then explain how they work in our coverage forms.  So which do you sell - Excess Liability or Umbrella?  Insuring Builders Risk & Contractor's Equip. - (GoToWebinar) Approved for 1 Hr P&C Credit     $25 Members/$45 Non-Members    Insuring contractor exposures is very difficult when the focus is limited to general liability and workers' compensation.  When you add in and consider the builders risk and contractors' equipment exposures, building coverage is even more difficult because so many mistakes and gaps are possible!  This course sheds light on some of the most common mistakes made and the many cove rages that are overlooked when dealing with contractor's property insurance program.  Join us as we discuss termination of coverage, soft costs, valuation and many others commonly overlooked in the development of contractor insurance programs. Setting Business Income Limits -  (GoToWebinar) Approved for 1 Hr P&C Credit     $25 Members/$45 Non-Members      How should Business Income be written?  BOP, Monthly Limit, Maximum Period?  Regardless of your answer the million dollar question in Business Income has always been…”How much is enough?”  In this informative webinar we will investigate 5 questions that should be asked to assist the agent/company at arriving at a correct Business Income limit.  We will also show you how those same questions may keep you from having a coinsurance penalty as well.

View recorded webinar with Q&A session

View handouts

IIABSC has joined the Agents & Brokers Education Network (ABEN), which was created to offer professional training via live webcast technology.

These courses will not be your typical webinars where you stare at the instructor's computer screen as they talk in the background. Instead, you will actually see your instructors as they teach the course. ABEN will stream professional instructors right into your office, along with related course material and the ability to ask questions and chat with other students.

Anything marked ABEN in our education course calendar is offered through this group with the traits described.

View ABEN/IIABSC course calendar to register.

 

 CEU.com 
 (35% discount for Big "I" members)

We have partnered with CEU.com and The Institutes to provide you with a quick and convenient way to help meet your CE compliance requirements. As an IIABSC member, you will receive a 35% discount on any of CEU.com’s quality educational courses when you register through our Web site.

CEU.com’s courses are offered online, making CE credits convenient to earn from any Internet-connected computer at any time. We encourage you to take advantage of this member service so you can benefit from CEU.com’s engaging and user-friendly, CE courses. CEU.com's online courses give you the CE credits you need quickly so that you can focus on your customers.

To take advantage of this offer, visit http://iiabsc.ceu.com. Read our flyer more information.