Shedding New Light on Ethics and Insuring Home-based Businesses in 2021

Today’s New Insurance Risks

3 CE Hours

May 20th
9 A.M. – 12 P.M.

Times have certainly changed. These changes have brought new types of risk exposures. New business models have presented challenges to our traditional insurance industry.

  • Ride Sharing (Uber, Lyft, etc.) – The course begins with a discussion of “Ride Sharing,” what is it, and what kinds of risks it has presented to the industry and to the individuals involved in it.
  • Usage-Based Insurance – What is Usage-Based Insurance? How is it different from our traditional models of assessing risk? Examples include autos monitored for speed and miles driven and monitoring of exercise and health habits to substantiate insurance premium discounts.
  • Self-Driving Cars – We discuss Self-Driving Cars and the risks associated with them.
  • Home-Sharing (AirBnB, etc.) – Another “new” development is the concept of Home-Sharing and Short-Term rentals of one’s home. We explore these exposures as they affect the Homeowner’s Policy and insurance carriers.
  • Drones – There’s been an explosion on the personal and commercial side of things with the usage of drones. We discuss how has this created new insurance exposures.


Fundamentals of Dwelling and Homeowners Policies

3 CE Hours

May 20th
1 P.M. – 4 P.M.

This course is an overview of these two policies, reviewing similarities between the two. Included is a discussion of why and when you’d purchase a dwelling policy rather than a homeowners policy. The primary course discussion is on the property side: how these two policies provide similar coverage, and the differences between the two.


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For our May online CE courses

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About the Instructor:


Rick is the Director and teaches continuing education and pre- licensing courses for ITC. Before becoming an instructor, Rick spent 17 years with Farmers Insurance in a variety of position including district manager, district training and administrative assistant, division agency manager, commercial sales representative, agency computer training representative, and commercial policy processing supervisor. He also spent six years with Shelter Insurance as a district sales manager. Rick’s honors and awards include Indiana District Manager of the Year, President’s

Council district manager, Championship, and multiple Toppers Club awards with Farmers Insurance; winning multiple life sales contests and Conference of Champions with Shelter Insurance; and serving his local NAIFA as President for multiple terms and serving on the Indiana NAIFA speakers bureau. Rick and his wife, Susan, have four children and five grandchildren. In his spare time, Rick enjoys fishing, writing, and family.

Class Details

 Date & Time: May 20th; 9 a.m. – 12 p.m. and 1 p.m. – 4 p.m.
Location: Virtual
Cost: Free

Overview of 2021 Online Webinars:

May 20th

Today’s New Insurance Risks / 3 CE Hours

Fundamentals of Dwelling and Homeowners Policies / 3 CE Hours


September 2nd


Utah’s Trusted Disaster Cleanup Resource