Certified Insurance Counselor Courses
Advanced CIC Courses:
Personal Lines
This institute addresses the unique insurance coverage needs of individuals, families, and family members. You will learn to handle the complexities of state specific personal lines forms.
Topics covered:
• Personal Residential Coverages*
• Personal Automobile Coverages*
• Personal Umbrella/Excess Coverages*
• Watercraft Coverages
• Rental Car Coverages
• Flood
• Home-based Business
• Condominiums
• Farm and Ranch Coverages
• Mobile Home Coverages
• No Fault (PIP)
• Catastrophe/Earthquake/Flood
• Wind Pools
Participants will:
• Complete an in-depth study of the ISO Homeowner Policy with emphasis on the HO3 Form.
• Better understand the application of coverages of a personal auto policy.
• Obtain an overview of personal umbrella/excess liability coverages including underlying limits and self-insured retention.
*Mandatory topics are part of every institute.
Optional subjects will vary
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Commercial Casualty
Explore casualty exposures and become familiar with important coverages.
Topics Covered:
• Commercial General Liability*
• Excess Liability/Commercial Umbrella Coverages*
• Workers Compensation*
• Business Automobile Coverages*
• Professional Liability
• Employment Related Practices Exposures
• Garage Insurance
• Specific State Exposures/Innovations/Special Coverages
• Additional Insureds
• Cyberliability
• Fiduciary Liability
Participants will:
• Complete an in-depth study of the CGL policy form and endorsements, and apply them to specific situations.
• Become familiar with the Business Auto Policy forms and major endorsements, and apply them to specific situations.
• Gain an overview of Excess Liability/Commercial Umbrella and the issues of concurrency and self-insured retention.
• Better understand Workers Compensation, the exposures faced when employees perform work in other states, and endorsements available for this coverage.
*Mandatory topics are part of every Institute
Optional subjects will vary
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Commercial Property
At this institute, you will learn innovative ways to maximize coverage for various types of commercial property accounts.
Topics covered:
• Commercial Property Coverages*
• Commercial Property Causes of Loss Forms*
• Commercial Property Endorsements*
• Commercial Inland Marine Coverages*
• Time Element Coverages*
• Businessowners Policies*
• Difference in Conditions
• Crime
• Commercial Property Case Study
• Equipment Breakdown
• Flood
• EDP Coverages
• Other Inland Marine
• Construction Occupancy Protection Exposures (COPE)
• Specific State Exposures/Innovations/Special Coverages
Participants will:
• Learn Commercial Property Policy essentials, including coverages, endorsements and how they apply.
• Become familiar with Time Element Coverage (Business Income) and recommended endorsements.
• Study various Inland Marine forms – Builder’s Risk, Contractors Equipment, and Transportation Coverage.
*Mandatory topics are part of every Institute
Optional subjects will vary.
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Life & Health
There are countless opportunities for property and casualty agents to develop life and health business. This institute will provide the basic, essential background, knowledge, and confidence to succeed in this market.
Mandatory topics covered:
• Life Insurance Concepts
• Health Insurance Concepts
• Disability Income and Long-Term Care Insurance
• Applications of Life and Disability Income Insurance to Business Needs
• Planning for Personal Needs
• Annuities
Optional topics that may be offered:
• Medicare and Medicare Supplement
• Estate Planning
• Retirement Planning
• Implementing Life and Health in an Agency
• Specific State Exposures/Innovations/Special Coverages
Participants will:
• Learn the basic characteristics, provisions, and riders found in most life, health, and disability income insurance contracts. Understand the application of life and disability income insurance to specific personal and business needs.
• Gain a basic knowledge of the various types of annuity products.
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Agency Management
The Agency Management institute has recently undergone a curriculum and “philosophy” revision, emphasizing added relevance to all agency owners and managers, producers, CSRs, and company personnel. With a new subject that blends marketing and financial issues, and more agency management “tools,” this institute was modified to better fit the daily work and experiences in insurance agencies. Whether you are a manager or have a manager, you’ll benefit from the practical information this program delivers.
If you’ve taken the institute before…take it again for a new Agency Management experience that will help you become more productive, increase sales, and reduce E&O.
Topics (all new or revised):
• The Agency as an Organization
• Managing and Sustaining Financial Strength
• Human Resources, Agency Productivity and Effectiveness
• Legal & Ethical Responsibilities
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James K. Ruble Graduate Seminar
Advanced and specialty topics, camaraderie among a network of CICs and CRMs nationwide, and some terrific vacation destinations combine to make the James K. Ruble Seminars higher education at its best. First created in 1976, honor the legacy of James K. Ruble, one of the cofounders of the Certified Insurance Counselors (CIC) Program. Twenty-hour specialty topics in the categories of Management, Industry, Single-Topic, and Multiple-Topic fulfill the CE credit and annual update requirements of dues-paid CICs and CRMs.
The Graduate Seminars feature a variety of topic selections along with real-life applications for the material. Use what you learn here to explain to your clients the presence of specified risk and the most effective methods for remedying them.
Graduate Seminars feature:
• Varied educational choices which may include marketing, sales, and sales management subjects.
• Concurrent sessions on the second day, which give you options for designing your educational experience.
• Practical options that examine real-life examples and complex exposure issues.
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