Ethical Challenges & Consequences
NEW FOR 2021! 3 CE Hours
(Meets State Ethics CE Requirements)
9 A.M. – 12 P.M.
Ethical Challenges and Consequences explores actual ethical lapses of insurance professionals. Information from state insurance department shows what went wrong and how the state’s insurance regulations, and/or applicable local laws, were enforced. The ethical challenges are covered on a case-by-case basis, providing students and instructors opportunities to discuss what motivations or temptations that might have contributed to the misdeeds.
Insuring Home-Based Businesses
3 CE Hours
1 P.M. – 4 P.M.
Did you know there are over 40 million “home offices” and over 11 million home-based businesses? How many of your homeowner’s policy clients might have some sort of home-based business? The Homeowner’s Policy does not cover liability exposure from a business, and has little property coverage for business equipment. This course defines what a business is, and the insurance limitations of having a business at home. We discuss the differences in owning your own business versus running a business you do not own. We discuss endorsements to increase coverage for a business at home. We define what Incidental farming is and what coverage is available for that risk.
We address the question: when should a person running a business from home consider buying a full-blown commercial policy to cover their risk exposures?