Essential Training Solutions


Florida Continuing Education Offerings

2-Hour Intermediate Level Courses:

Believe it or Not! - agents / adjusters
From celebrity body parts to alien abductions and ghost hauntings, some people insure the oddest things. Learn what insurance is available for some of the world’s strangest hazards and perils – Believe it or not.

Drug Testing & Workers Compensation - agents / adjusters
Government studies reveal that 1 out of 6 workers or 74% of all drug users are employed. These employees will cost your client 300% more in medical cost, benefits and workers compensation. Learn how to partner with your client to implement an effective Drug-Free Workplace Program and decrease their workers compensation by 5%.

e-Insurance and Cyber-Risks – agents only
Learn why the insurance industry was slow to respond to the changes in our technological environment and how the industry is reacting to recent court rulings involving coverage for e-businesses.

Emerging Coverage Issues – agents / adjusters
Insurance companies develop rates based on the exposure that is defined in their policy forms. This class discusses Mierzwa v FWUA and what the Florida lawmakers wrote in 2005 regarding the intent of the value property law. Also discussed is the current and pending legislation regarding sinkhole coverage.

Ethics for the Claims Professional - adjusters only
The insurance industry is constantly evolving and so is the role of the adjuster; conflicts of interest arise on a daily basis. This class discusses Utmost Good Faith and ethical claim handling.

Home Based Business – agents / adjusters
Many people are giving up the corporate lifestyle to work out of their homes. Every home based business is unique and the exposures should be identified on a case by case basis. This class addresses the need for different types of insurance and how the homeowners’ policy may not respond if a loss occurs.

Know the Score – agents / adjusters
A discussion about credit scoring and how it is being used in the insurance industry; includes current case law effecting the use of consumer reports. Scoring myths are exposed and as an added bonus learn tips to increase your FICO score.

Mold – The Growing Risk – agents / adjusters
Mold is a growing threat to insureds’ and the insurance industry. National media attention over the Ballard case and others has created a frenzy. This class discusses what mold is and isn’t, what coverage is available, current case law and how Florida insurers are addressing the “fungus among us.”

Ordinance and Law Coverage - agents / adjusters
Ordinance and Law has been described as the “best kept secret” in insurance. Learn the ins and outs of this overlooked and misunderstood coverage and how to protect yourself from the growing number of E&O claims.

The Changing Environment of Insurance – agents / adjusters
The insurance industry must learn to deal with the changing underwriting cycle and the impact that it has on our business. As insurance professionals, recognizing that change will occur and learning to anticipate the affects of change will increase our ability to respond to customers.

3-Hour Intermediate Level Courses:

Bad Faith – Good Faith – adjusters only
This course covers The Florida Adjuster Code of Ethics, Unfair Claims Settlement Practices and current case rulings on the topic of Bad Faith.

Cases and Coverages – Commercial Liability – agents / adjusters
An in-depth analysis of commercial liability coverage and tort cases. Topics include duty to defend, when is coverage triggered, owned property exclusions, personal injury coverage, number of occurrences and much more.

Cases and Coverages – Personal Lines – agents / adjusters
This class covers personal lines issues for auto and homeowners policies. Review cases that highlight some of the hottest topics in insurance from UM, phantom vehicle/hit & runs; drive-by shootings, intentional acts with unintentional consequences and much more.

Ethics 101 – agents only
Understand and discuss the role of ethics in our industry and today’s business arena. Case studies are used to underscore the importance of making ethical decisions. This class meets the new 3 hour mandate for agents.

Is the Florida No-Fault System Broken? – agents / adjusters
There are positives and negatives on both sides of the no-fault automobile insurance issue. Is the Florida no-fault system fair? Should it be repealed? Review the history of no-fault, issues of fraud and proposed legislative changes.

4-Hour Intermediate Level Courses:

Claims and the Law – agents / adjusters
This class discusses why insurance is regulated and the various state and federal statues that apply to the claim process. Review various court systems and their jurisdiction to try cases. Examine the legal process and basic filings for a lawsuit.

Cyber-Risks – agents / adjusters
How has technology affected how companies operate and is coverage provided for e-companies under standard ISO policies? Learn where coverage gaps exist in traditional policies. Recent court rulings are cited as well as the probable impact on insurance coverages.

Employment Practices Liability – agents / adjusters
Learn how various state and federal statues impact this exposure and which policy provisions, endorsements and exclusions may have the most impact on your insured. Certain employment practices are reviewed and their impacts on EPL claims are discussed.

Errors and Omissions - agents / adjusters
E&O exposures, ways to protect yourself and your agency, and the steps to take in the event of a claim are covered in this class. Learn the most common causes for an E&O action and discuss specific court interpretations.

Eye on Identity Theft – agents / adjusters
You’ve seen the TV commercials; identity theft is the fastest growing crime in America. What consumer laws and insurance are available to protect you and to combat the problem.

Homeowners Underwriting – agents only
The Florida market is a unique and challenging underwriting experience. Learn why Florida is unique and the characteristics of homeowner risks that an underwriter should be aware of and understand.

Impact of Federal Legislation – agents / adjusters
The insurance industry is subject to more and more legislation. Learn about current federal initiatives and their affects on how we now do business. Topics include Terrorism Risk Act, The US Patriot Act, Fair Credit Reporting Act, HIPPA and current case law that defines how these laws are mandated.

Liquor Liability – The Sobering Truth – agents / adjusters
Liquor Liability is a pressing legal and social issue. There are many areas of tort law that address “who is responsible.” This class answers who is responsible and how various insurance policies respond to this growing problem.

Personal Auto Underwriting – agents only
Gain an understanding of the characteristics of an applicant that influence the selection and rating process for personal lines auto. Evaluate how different exposures affect the frequency and severity of losses.

Personal Risk Management Analysis – agents only
This class is a case management approach to a family’s insurance exposures. Personal lines coverage for various exposures are examined and alternatives are discussed.

Sexual Harassment vs. Workplace Harassment – agents / adjusters
In the “old days” the office was not only a place to earn a living, but a place to socialize, make friends and engage in harmless gossip. The workplace is a far more dangerous environment bringing on a new breed of lawsuits. This class takes a look at Title VII of the Civil Rights Act of 1964 and how it defines sexual harassment and other workplace practices. Current case law reviewed.

CE classes can be scheduled in-house at a discounted rate.

Please contact Patrice at 239-777-4147 for additional information.