Phone: (800) 786-4303 Florida Insurance School - Continuing Education
2010 April - April Schedule
1327 North Adams Street
Tallahassee, FL 32303 		Fax: (850) 224-6040
LICENSE TYPE HOURS NEEDED THE FISCE CLASSES YOU CAN TAKE
2-20
Licensed less than 6 years		 24 Ethics, plus any other 6 classes in the P&C group, plus 1 hour Mitigation Webinar course. If you have a 2-20 license only, you can take 2 Health only courses as part of your CE
2-20
Licensed longer than 6 years 		20 Ethics, plus any other 4 classes in the P&C group, plus 1 hour Mitigation Webinar course. *If you have a 2-20 license only, you can take 2 Health only courses as part of your CE
2-15, 2-18
Licensed less than 6 years		 24 Suitability course any other 5 classes in the L&H group.
2-15, 2-18
Licensed longer than 6 years 		20 Suitability course any other 3 classes in the L&H group.
2-40
Licensed longer than 6 years 		20 Ethics, plus any other 4 health classes.
2-40
Licensed less than 6 years 		24 Ethics, plus any other 5 health classes.
2-20 and 2-18
Licensed less than 6 years 		24 2 Classes from the P&C group, plus 1 hour Mitigation Webinar course and suitability course and 1 class from the L&H group and 1 class from either group.
2-20 and 2-18
Licensed longer than 6 years 		20 2 Classes from the P&C group, plus 1 hour Mitigation Webinar course and 1 Suitability course and 1 classes from the L&H group.
3-20, 5-20 or 6-20
Requirement for all Adjusters 		24 10 hours law 3-24A and 2 hours ethics 3-24B and any other 3 classes from the Adjuster Optional 3-24C group below.
TOPIC (COURSE) COURSE DESCRIPTIONS / ALL CLASSES ARE INTERMEDIATE LICENSE HOURS
P & C  AND  L & H CLASSES
ETH-WEB (66049)
ETHICS WEB 		Webinar-The Department of Financial Services (DFS) formerly known as the Department of Insurance now requires all licensed agents to complete four(4) hours of Ethics continuing education. This course will satisfy that requirement. Not only will we look at the difference between right and wrong, we will also look at the more difficult right v. right issues many of us face. This case study approach is a refreshing way to satisfy this requirement. (9908) 2-14,2-15,2-16,2-18,2-20,2-40,4-40,4-42 3
$45.00
IECR-WEB (75263)
INSURING ELECTRONIC COMMUNICATIONS AND RECORDS 		In the dynamics of Electronic EVERYTHING this class was constructed!!! We will go over: A. Stages of e-risk. 1. Access. Have access to the Internet and use e-mail. Risks are and misuse by employees. 2. Presence. Have a domain name and a website to promote its jams and jellies. Has exposure for PI issues and intellectual property issues. 3. Integration. Connects with others but still does not sell its goods and services directly over the Internet. Increased exposure to loss to property (BI). 4. E-commerce. Orders placed and payment received over the Internet. Major property and liability exposures and increased advertising and personal injury exposures. C. Every company has a “cyber” exposure? 2-20(ONLY), 4-40, ADJUSTER LAW AND POLICY 3
$45.00
ETH1-WEB (75023)
ETHICS11 		ETHICS “TRAINING” 9908 Ethics is synonymous with behavior. Therefore, teaching ethics is like teaching behavior. Can ethics be learned? If so, how? From what source(s)? Most states are including mandatory ethics training for CE- why? Describe the perception of ethics in the insurance industry as seen by those outside the industry. Where does their perception come from? What professions besides insurance are required to take ethics training? As a consumer of that profession’s product/service, does it make you feel better knowing its representatives have been through ethics training? 2-20, 4-40, 4-42, 2-14, 2-15, 2-16, 2-18 3
$45.00
ETH12-WEB (79091)
ETHICS FOR INSURANCE PROFESSIONALS 		Ethics comes from two Greek words that mean “moral” and “character.” Ethics comprises standards of conduct that indicate how one should behave, based on moral obligations. It deals with the ability to distinguish right from wrong, good from evil, and the commitment to do what is right, good and proper. ETHICS “TRAINING” Ethics is synonymous with behavior. Therefore, teaching ethics is like teaching behavior. Can ethics be learned? If so, how? From what source(s)? Most states are including mandatory ethics training - why? This class will not only get you your required Ethics CE, but engages in a realistic conversation and views on Ethics. 2-20,2-40, 4-40, 4-41, 4-42, 2-14, 2-15, 2-16, 2-18, 3
$45.00
TOPIC (COURSE) COURSE DESCRIPTIONS / ALL CLASSES ARE INTERMEDIATE LICENSE HOURS
P & C CLASSES
MIT-WEB (65804)
HURRICANE MITIGATION 		Webinar-The Florida Department of Financial Services now requires all Property and Casualty agents complete a one hour course on “Hurricane Mitigation” every compliance period. This requirement must be satisfied by all agents with a compliance period of January 31, 2009 and after. (9910) 2-20,4-40,20-44, 90-44 1
$25.00
AI-WEB (68051)
ADDITIONAL INSUREDS AGENTS 		We will look into the three ways to be an insured A. Named insured. (First named insured has contractual rights and duties but no more or less coverage than any other insured) B. Automatic insureds – relationship to a named insured C. Additional insureds – added by policy endorsement 2-20, 4-40 3
$45.00
BAC-WEB (79111)
BUSINESS AUTO COVERAGES 		We will go over, A.Types of Commercial Auto Policies 1.Business Auto Policy 2.Garage Policy – A Combination of a.Business Auto Policy b.Commercial General Liability Policy covering premises, operations, and completed operations AND MUCH MUCH MORE!!!! 3. Motor Carriers Policy Motor carriers that operate in interstate, intrastate, or both interstate and intrastate commerce may be subject to regulations with respect to registration and financial responsibility requirements. 2-20, 4-40 3
$45.00
BI-WEB (78584)
BUSINESS INCOME: HOW MUCH IS ENOUGH? 		Business Income means the: a. Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred; and b. Continuing normal operating expenses incurred, including payroll. For manufacturing risks, Net Income includes the net sales value of production. This is a DON'T MISS Class!! 2-20, 4-40 2
$35.00
BO-WEB (79993)
BUSINESSOWNERS, WHAT YOU NEED TO KNOW AGENTS 		This seminar will communicate that writing insurance to provide protection for the majority of business exposures should be a systematic process. The program will review the principles of commercial lines risk management and Businessowners property and liability policies. Participants will gain an understanding of the source of claims and the insurance coverages available to provide protection businesses need. 2-20, 4-40 3
$45.00
CCL-WEB (70177)
CONTRACTS AND CONTRACTUAL LIABILITY COVERAGE 		We will discuss why are contracts are so important to insurance professionals. Before the question of coverage for contractually assumed liability in the contract, the contract must be a valid and enforceable contract. Before a contract is binding on the parties it may be challenged as not being valid. If valid the contract (or some provisions of a contract) may be found unenforceable by a court or barred by a statute. 2-20, 4-40 2
$35.00
CIM-WEB (79991)
COMMERCIAL INLAND MARINE BUILDING THE COVERAGE YOUR CLIENTS NEED AGENTS 		The seminar will communicate that writing insurance to provide protection for commercial clients should be a systematic process that requires skills in risk identification and analysis as-well-as detailed knowledge of commercial insurance. Participants will analyze significant coverage issues encountered when writing commercial inland marine property coverages along with a detailed review of the protection provided in inland marine insurance policies and optional endorsements. The seminar will enable participants to better assist their insured’s in satisfying individual exposures to loss through the insurance and non-insurance options that exist to treat them. 2-20, 4-40 3
$45.00
COI-WEB (70179)
CERTIFICATES OF INSURANCE 		What is a Certificate of Insurance? “A document acknowledging that an insurance policy has been written, and setting forth in general terms what the policy covers.” – Black’s Law Dictionary 2-20, 4-40 1
$25.00
CON-WEB (70175)
INSURING CONDOMINIUMS 		We will tackle the difficult questions most instructors try to avoid while making the process informative and fun. In detail, he will describe the three things an agent must know before writing a condominium unit owner policy: 1. An understanding of Florida’s Condominium Statute 2. An ability to read and understand bylaws and Master deed documents, and 3. The coverage provided in the HO6. Join us for everything you want to know about condominiums, but were afraid to ask. 2-20, 4-40 2
$35.00
CPIA-WEB (78965)
COMMERCIAL PROPERTY ISSUES AND ANSWERS 		This class will cover: BENEFITS OF BLANKET COVERAGE ON REAL PROPERTY Hedge for catastrophic loss More dollars for debris removal (benefit on real and personal property) 2-20, 4-40 3
$45.00
CPP-WEB (69605)
COMMERCIAL PROPERTY COVERAGE FORMS 		We will go over some of the most complex form tha is out there today. 2-20, 4-40 3
$45.00
FLD12-WEB (79095)
FLOOD INSURANCE AGENTS 		Many of you are aware that the Federal Government now requires all agents that sell Flood insurance complete a three (3) hour class based on very strict content. This course meets that requirement. Complete this course and send the certificate to your carriers and you are done! 2-20, 4-40 3
$45.00
HOC-WEB (78968)
CHANGES TO THE HOMEOWNERS PROGRAM 		THIS COURSE EXAMINES THE CHANGES MADE BY ISO TO THE HOMEOWNERS PROGRAM AND WHAT THE IMPACT ON THE COVERAGE WILL BE AS A RESULT OF EACH CHANGE. 2-20, 4-40 2
$35.00
ICE-WEB (66939)
INSURING COASTAL EXPOSURES AGENTS 		Although we can’t provide you with additional markets to write coastal business we can provide you with a great course on the recognition of exposures that must be addressed when writing a coastal account. This course will look at a variety of issues facing homeowners,condominium,flood,commercial property and business income coverages. 2-20, 4-40 3
$35.00
ICE-WEB (66939)
INSURING COASTAL EXPOSURES AGENTS 		Although we can’t provide you with additional markets to write coastal business we can provide you with a great course on the recognition of exposures that must be addressed when writing a coastal account. This course will look at a variety of issues facing homeowners,condominium,flood,commercial property and business income coverages. 2-20, 4-40 3
$45.00
PA1-WEB (66941)
PERSONAL AUTO LIABILITY ISSUES 		You will learn how to properly research questions asked about automobile coverages and to discuss real problem areas in your agencies which have caused confusion for many of us. 2-20, 4-40 3
$45.00
PLC-WEB (79989)
PERSONAL LINES ISSUES FOR COMMERCIAL AGENTS 		This seminar will communicate that writing insurance to provide protection for the majority of business exposures should be a systematic process. The program will review the principles of commercial lines risk management and Businessowners property and liability policies. Participants will gain an understanding of the source of claims and the insurance coverages available to provide protection businesses need. 2-20, 4-40 3
$45.00
RCC-WEB (70173)
RENTAL CAR COVERAGE 		We will cover, Personal Use. Business and Temporary Substitute rental coverages along with the Type of vehicle rented. Rather it be a Private Passenger Type, Pickup or Van. A Trailer or Motorhome. This will be a very informative class. 2-20, 4-40 2
$35.00
SWS-WEB (70421)
SUBROGATION AND WAIVERS OF SUBROGATION 		Subrogation is a common law right that exists to allocate liability to the responsible party. Waiver of Subrogation - Definition The intentional or voluntary relinquishment of the right of the insurance company to step into the shoes of the party whom they compensate and sue any party whom the compensated party could have sued. This will be a great conversationl class!! 2-20, 4-40 1
$25.00
MIT12-WEB (79092)
HURRICANE MITIGATION: HOW TO OBTAIN 		In 2005, the Florida Legislature enacted a law requiring all residential property insurance companies to file with the Office of Insurance Regulation a range of premium discounts they propose to offer. Insurance companies issuing new homeowners’ insurance policies on or after October 1, 2005, or the first renewal of a homeowner’s insurance policy, were required to let policyholders know they can get discounts if they strengthen their homes against hurricane damage. All residential property insurance companies had to file a loss mitigation discount no later than March 1, 2007. After that date, insurance companies must provide all new and renewing customers the exact discounts that apply specifically to their homes. Until June 2009, the state had funds allocated to assist qualified homeowners with the cost of the inspection as well as the cost to mitigate the home. While the state no longer offers funding assistance, discounts on the wind portion of the home insurance are still available. 2-20, 4-40, 20-44, 90-44 1
$25.00
IP-WEB (74706)
It’s Personal:Home and Auto Exposures Your 		Maybe they don’t think about it. Maybe they’re worried about cost. Regardless, your personal insureds are keeping exposures from you that you need to know for coverage to do its job. Assisted living, side jobs, “entity” ownership, unmarried and living together, off-premises activities and other common exposures are discussed in interactive case studies. Solutions will help agents discover the truth, close the gap and keep the account. 2-20, 4-40, 4-42 3
$45.00
PLI-WEB (74503)
PROPERTY LEASES AND INSURANCE 		This course will go through Risk Management and will teach that one form of risk transfer is a contract. One person's solution may become another person's problem, as an agent contracts present challenges because it is usually a "done deal" when we see it and the commitments of the contract are broader than the coverage written or they may not be insurable at all. We will go through Contracts that are written by attorneys who use a vocabulary that does not fit the insurance policy, ie., personal injury used the Attorney is different from the personal injury when used in and insurance policy. This is a do not miss!!! 2-20, 4-40, 4-42 3
$45.00
WC-WEB (74501)
WORKERS COMPENSATION 		This course is designed to take the student through workers compensation, the law, the reasons for the law, the coverage and how coverage needs to be modified to meet the requirements of the insured with regard to whom is to be covered and for compliance with various Federal laws that impact employers. 2-20, 4-40, 4-42 3
$45.00
PAT-WEB (74704)
Inherently Flawed: Patches for the Imperfect Policy- Home, Work, and Auto Edition 		This course digs in to the overused, unendorsed, and heaping with easy-tofix- exposures versions of home, business and auto policies sold daily by agents everywhere. The question and answer format dives into discussion on common gaps and simple solutions that cost a little, do a lot and are certain to help strengthen the relationship with the buyer. 2-20, 4-40, 4-42, 3
$45.00
LER-WEB (79012)
Legal and Ethical Responsibilities Agents 		This class will help to differentiate between an ethical responsibility and a legal responsibility. You will be able to identify the reasons E&O claims have increased in any given a situation, identify the types of authority and determine which type of authority applies.You eill be given a situation, determine if an agent is liable to another party based on the common causes of loss. Also identify when an Errors and Omissions claim is likely to occur. Understand the requirements of GLB We will explain the legal liabilities of social networking. This class will count for your Ethics. 2-20,2-40, 4-40, 4-41, 4-42, 2-14, 2-15, 2-16, 2-18, 3
$45.00
MI11-WEB (73104)
HURRICANE MITIGATION 		Webinar-The Florida Department of Financial Services now requires all Property and Casualty agents complete a one hour course on “Hurricane Mitigation” 9910 every compliance period. This requirement must be satisfied by all agents with a compliance period of January 31, 2009 and after. 2-20,4-40,20-44, 90-44 1
$25.00
WAI-WEB (76856)
WHO IS AN INSURED-AGENTS 		Who IS an insured in an insurance policy? We will look into the Named as well as others stated in the policy and by endorsements We will also look at Who WANTS to be an insured? Partners of a partnership, Members of a joint venture, Officers, directors and stockholders of a corporation, Members and managers of a limited liability company, Trustees of a trust, Newly acquired or newly formed subsidiaries, Prior entities of the named insured, Employees, Volunteer workers or any person or entity who: Hires the named insured to perform work; Enters into a contract with the named insured; Rents or leases real or personal property to the named insured; Represents the named insured; and Is a creditor of the named insured. Who is an insured does not always equal who wants to be an insured nor does it equal who needs to be an insured! We will cover it all!!! 2-20,4-40,4-42 3
$45.00
TOPIC (COURSE) COURSE DESCRIPTIONS / ALL CLASSES ARE INTERMEDIATE LICENSE HOURS
L & H CLASSES
TP10-WEB (70323)
TOP 10 LIFE INSURANCE NEEDS 		We will discuss the top ten reasons why Life insurance is needed in these days and times. Advantages of Life Insurance, Life Insurance Needs, CREATE AN ESTATE EQUALIZE INHERITANCES an lots more!!! 2-14, 2-15, 2-16 3
$45.00
BSC-WEB (70265)
BUSINESS CONCEPTS IN LIFE AND HEALTH INSURANCE 		We will review how proper questioning assist the agent and the client to uncover needs in the business life area as well as how a review of the role of the “Estate Planning and Advisory Team” and how these individuals / professionals can benefit the agent and the client. This course has allot of information and more to cover!!! 2-14, 2-15, 2-16, 2-18 3
$45.00
ESP-WEB (69774)
ESTATE PLANNING 		We will learn to understand the importance of Estate Planning and the various options available. 2-14, 2-15, 2-16, 2-18 3
$45.00
LIYR-WEB (72892)
LIFE INSURANCE YOUTH TO RETIREMENT-WEBCAST 		We will be identifying various insurance needs, including life insurance on children, young adults and families, professional and affluent business owners and supplementing retirement income. 2-14, 2-15, 2-16, 2-18 3
$45.00
LSBP-WEB (78748)
LIFE INSURANCE SOLUTIONS TO BUSINESS PROBLEMS 		We will go through IMPACT OF RECENT ECONOMICS ON SMALL BUSINESS A. Small business has always been the backbone of a healthy U.S. economy 1. Between 60% – 80% of all new jobs in the United States can be attributed to business with fewer than 100 employees. 2. Responsible for half of the private sector work force and half of GDP 3. In Florida, 31.5% of total payroll is from small business B. Many small businesses have been strained to the breaking point by the current economic environment 1. Yet, it was global financial institutions that received $1.2 trillion in federal loans, i.e. “too big to fail” 2. The survival of small businesses can be attributed to an entrepreneurial spirit, including discipline, sacrifice, faith, frugality, and determination to survive however long it takes to return to more profitable times. C. Even in the best of times, and especially in tough economic times, businesses can benefit from insurance, transferring risk to a third party, for “pennies on the dollar.” 1. Risk management 2. Tax advantages 3. Executive benefits And MUCH MUCH MORE!!!!!!!!!!! 2-14, 2-15, 2-16, 2-18 3
$45.00
SOA1-WEB (75051)
SENIOR SUITABILITY OF ANNUITIES 		9911-Briefly explain the purpose of the FL law dealing with the Suitability of Annuities and Life Insurance transactions for Seniors. We will describe the duties, and their general steps, an agent should follow when dealing with a senior to determine the suitability of a recommended product. Look in to Agents using Unfair Methods of Competition and Deceptive acts are against FL law. Briefly describe the practices of Churning, Twisting, Fraudulent Signatures and Illegal Rebates and the possible penalties associated with such practices.Also we will describe potential problems associated with and the possible penalties against an agent for representing or aiding an Unauthorized Insurer. 2-14, 2-15-, 2-16, 2-18 3
$45.00
SOA12-WEB (79194)
SUITABILITY OF ANNUITIES 		9911-Briefly explain the purpose of the FL law dealing with the Suitability of Annuities and Life Insurance transactions for Seniors. We will describe the duties, and their general steps, an agent should follow when dealing with a senior to determine the suitability of a recommended product. Look in to Agents using Unfair Methods of Competition and Deceptive acts are against FL law. Briefly describe the practices of Churning, Twisting, Fraudulent Signatures and Illegal Rebates and the possible penalties associated with such practices.Also we will describe potential problems associated with and the possible penalties against an agent for representing or aiding an Unauthorized Insurer. 2-14, 2-15-, 2-16, 2-18 3
$45.00
PRP-WEB (74831)
PENSIONS AND RETIREMENT PLANNING 		We will look into understanding the IRS requirements for approving a "qualified" plan.Also, become familiar with the basics of pension and profit sharing plans and to recognize how life insurance can be used to complement these plans.We will become a little familiar with the Pension Protection Act 2006 401(k) law affecting employers and employees along with the importance of saving for retirement We will also look into the different types of qualified plans, including HR 10 plans (KEOGH), IRA, 401(k), Simplified Employee Pensions, etc. 2-14, 2-15, 2-16, 2-18, 2-20, 4-40 3
$45.00
ILIA-WEB (74862)
INDIVIDUAL LIFE INSURANCE AND ANNUITIES 		This course identifies the reasons for buying life insurance, and discusses the pros and cons of several methodologies used to determine the amount of life insurance needed. 2-15, 2-18 3
$45.00
LTC-WEB (70995)
LONG TERM CARE INSURANCE AND THE PARTNERSHIP PLAN 		The FL Partnership law states that an agent that sells, solicits or negotiates Long Term Care insurance (LTCI) is required to take an approved 8 hour class on that topic. This Webinar is for those license holders that have completed the 8 hour Partnership course and now need the 4 hour class ever two (2) years. Even if you havn't taken the 8 hr course and do not sell Long Term Care you can still take this course to complete your CE. 2-15, 2-18, 2-40 4
$45.00
LTC-WEB (70995)
LONG TERM CARE INSURANCE AND THE PARTNERSHIP PLAN 		The FL Partnership law states that an agent that sells, solicits or negotiates Long Term Care insurance (LTCI) is required to take an approved 8 hour class on that topic. This Webinar is for those license holders that have completed the 8 hour Partnership course and now need the 4 hour class ever two (2) years. Even if you havn't taken the 8 hr course and do not sell Long Term Care you can still take this course to complete your CE. 2-15, 2-18, 2-40 4
$55.00
LTC12-WEB (79195)
LONG TERM CARE INSURANCE AND THE PARTNERSHIP PLAN 		The FL Partnership law states that an agent that sells, solicits or negotiates Long Term Care insurance (LTCI) is required to take an approved 8 hour class on that topic. This Webinar is for those license holders that have completed the 8 hour Partnership course and now need the 4 hour class ever two (2) years. Even if you havn't taken the 8 hr course and do not sell Long Term Care you can still take this course to complete your CE. 2-15, 2-18, 2-40, 2-20(only) 4
$55.00
CIHI-WEB (72896)
CURRENT ISSUES IN HEALTH CARE 		A look at what’s new in the Health Insurance arena. This class is a must for all health insurance agents. 2-15,2-18,2-20,2-40 3
$45.00
NHCR-WEB (76636)
NATIONAL HEALTH CARE REFORM 		This program will review the National Health Reform Bill and how it will potentially impact individuals, employers, and insurance companies over the next eight years. A timeline will be used to show the implementation of major health insurance coverage requirements, tax changes and the role the state and federal government will play in the process. Examples will be used to show how the law will affect business owners that provide health insurance (and those that do not) to their employees. 2-40, 2-20 (only), 2-15, 2-18, 4-40, 4-41 3
$45.00
HC-WEB (74653)
HIPAA AND COBRA REVIEW 		We will understand the objectives and provisions of the Health Insurance. The Portability and Accountability Act of 1996. Also a look on the Impact on the future of health insurance on emloyees and their families. We will also review the provisions and impact of the new Medical Privacy Rule effective April 2003 and MUCH MUCH MORE!! Don't miss this exciting outlook in to our future!!!!! 2-40, 2-20, 2-15, 2-18, 4-40, 4-41 3
$45.00
IHDI-WEB (74808)
INDIVIDUAL HEALTH AND DISABILITY INSURANCE 		We will review various products available within “traditional” health care delivery systems to provide protection for individuals and families. Also we will develop an understanding of the major reforms in the U.S. health care system, called The Patient Protection and Affordable Care Act (HR 3590). We will look at recent changes in Medicare and the new benefits and choices available. Long term care and its role in asset protection, and the purpose and nature of disability income and how to protect our greatest asset, the ability to earn an income. We will have an insight to the New Reform. 2-40, 2-20, 2-15, 2-18, 4-40, 4-41 3
$45.00
TOPIC (COURSE) COURSE DESCRIPTIONS / ALL CLASSES ARE INTERMEDIATE LICENSE HOURS
ADJUSTER CLASSES
WCA-WEB
WORKERS COMPENSATION- AGENTS AND ADJUSTER
74502 		This course is designed to take the student through workers compensation, the law, the reasons for the law, the coverage and how coverage needs to be modified to meet the requirements of the insured with regard to whom is to be covered and for compliance with various Federal laws that impact employers. 2-20(only), 4-40, ADJUSTER LAW 3
$45.00
PA1A-WEB
PERSONAL AUTO LIABILITY ISSUES ADJUSTERS
66942 		You will learn how to properly research questions asked about automobile coverages and to discuss real problem areas in your agencies which have caused confusion for many of us. 3-24C OPTIONAL 3
$45.00
AET-WEB
ADJUSTER ETHICS
66843 		In today’s society ethics seems to be the “IN” thing. You don’t have to look far to see an increasing emphasis placed on the moral aspect of an issue. ADJUSTER ETHICS 2
$35.00
LERA-WEB
LEGAL AND ETHICAL RESPONSIBILITIES
79103 		This class will help to differentiate between an ethical responsibility and a legal responsibility. You will be able to identify the reasons E&O claims have increased in any given a situation, identify the types of authority and determine which type of authority applies.You eill be given a situation, determine if an agent is liable to another party based on the common causes of loss. Also identify when an Errors and Omissions claim is likely to occur. Understand the requirements of GLB We will explain the legal liabilities of social networking. ADJUSTER LAW AND POLICY 3
$45.00
PALA-WEB
PERSONAL AUTO LAW FOR AGENTS AND ADJUSTERS
68048 		A discussion of Florida’s No-Fault, Financial Responsibility and miscellaneous auto laws. ADJUSTER LAW AND POLICY, 2-20(only), 4-40 3
$45.00
SWSA-WEB
SUBROGATION AND WAIVERS OF SUBROGATION FOR AGENTS AND ADJUSTERS
70422 		Subrogation is a common law right that exists to allocate liability to the responsible party. Waiver of Subrogation - Definition The intentional or voluntary relinquishment of the right of the insurance company to step into the shoes of the party whom they compensate and sue any party whom the compensated party could have sued. This will be a great conversationl class!! ADJUSTER LAW AND POLICY, 2-20(only), 4-40 1
$25.00
ALAW-WEB
PROPERTY LAW FOR AGENTS AND ADJUSTERS
66842 		This is a required course for all licensed insurance adjusters. This course will look into some of the statutory requirements of our business. We will focus on insurance coverage created by statute as well as those statutes that regulate the adjusting of claims. ADJUSTER LAW, 2-20(only), 4-40 3
$45.00
AIA-WEB
ADDITIONAL INSUREDS ADJUSTERS
68052 		We will look into three ways to be an insured A. Named insured. (First named insured has contractual rights and duties but no more or less coverage than any other insured) B. Automatic insureds – relationship to a named insured C. Additional insureds – added by policy endorsement ADJUSTER OPTIONAL 3
$45.00
BACA-WEB
BUSINESS AUTO COVERAGES ADJUSTERS
79110 		We will cover A.Types of Commercial Auto Policies 1.Business Auto Policy 2.Garage Policy – A Combination of a.Business Auto Policy b.Commercial General Liability Policy covering premises, operations, and completed operations AND MUCH MUCH MORE!!! 3. Motor Carriers Policy Motor carriers that operate in interstate, intrastate, or both interstate and intrastate commerce may be subject to regulations with respect to registration and financial responsibility requirements. ADJUSTER OPTIONAL 3
$45.00
BIA-WEB
BUSINESS INCOME: HOW MUCH IS ENOUGH?
78585 		Business Income means the: a. Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred; and b. Continuing normal operating expenses incurred, including payroll. For manufacturing risks, Net Income includes the net sales value of production. This is a DON'T MISS Class!! ADJUSTER OPTIONAL 2
$35.00
BOA-WEB
BUSINESSOWNERS, WHAT YOU NEED TO KNOW ADJUSTERS
79995 		This seminar will communicate that writing insurance to provide protection for the majority of business exposures should be a systematic process. The program will review the principles of commercial lines risk management and Businessowners property and liability policies. Participants will gain an understanding of the source of claims and the insurance coverages available to provide protection businesses need. ADJUSTER OPTIONAL 3
$45.00
CCLA-WEB
CONTRACTS AND CONTRACTUAL LIABILITY COVERAGE ADJUSTERS
70178 		We will discuss why are contracts so important to insurance professionals. Before the question of coverage for contractually assumed liability in the contract, the contract must be a valid and enforceable contract. Before a contract is binding on the parties it may be challenged as not being valid. If valid the contract (or some provisions of a contract) may be found unenforceable by a court or barred by a statute. ADJUSTER OPTIONAL 2
$35.00
CIMA-WEB
COMMERCIAL INLAND MARINE BUILDING THE COVERAGE YOUR CLIENTS NEED ADJUSTERS
79992 		The seminar will communicate that writing insurance to provide protection for commercial clients should be a systematic process that requires skills in risk identification and analysis as-well-as detailed knowledge of commercial insurance. Participants will analyze significant coverage issues encountered when writing commercial inland marine property coverages along with a detailed review of the protection provided in inland marine insurance policies and optional endorsements. The seminar will enable participants to better assist their insured’s in satisfying individual exposures to loss through the insurance and non-insurance options that exist to treat them. ADJUSTER OPTIONAL 3
$45.00
COIA-WEB
CERTIFICATES OF INSURANCE ADJUSTERS
70181 		What is a Certificate of Insurance? “A document acknowledging that an insurance policy has been written, and setting forth in general terms what the policy covers.” – Black’s Law Dictionary ADJUSTER OPTIONAL 1
$25.00
CONA-WEB
INSURING CONDOMINIUMS ADJUSTERS
70176 		We will tackle the difficult questions most instructors try to avoid while making the process informative and fun. In detail, he will describe the three things an agent must know before writing a condominium unit owner policy: 1. An understanding of Florida’s Condominium Statute 2. An ability to read and understand bylaws and Master deed documents, and 3. The coverage provided in the HO6. Join us for everything you want to know about condominiums, but were afraid to ask. ADJUSTER OPTIONAL 2
$35.00
CPEA-WEB
COMMERICAL PROPERTY ENDORSMENTS ADJUSTERS
68065 		We will explain the purposes of endorsements to the Commercial Property Policy,and Recommend the appropriate Commercial Property endorsements to cover exposures not adequately insured in the commercial property coverage forms. ADJUSTER OPTIONAL 3
$45.00
CPIAA-WEB
COMMERCIAL PROPERTY ISSUES AND ANSWERS
79090 		BENEFITS OF BLANKET COVERAGE ON REAL PROPERTY Hedge for catastrophic loss More dollars for debris removal (benefit on real and personal property) ADJUSTER OPTIONAL 3
$45.00
CPPA-WEB
COMMERCIAL PROPERTY COVERAGE FORMS ADJUSTERS
69606 		We will go over some of the most complex form tha is out there today. ADJUSTER OPTIONAL 3
$45.00
FLDA12-WEB
FLOOD INSURANCE ADJUSTERS
79096 		Many of you are aware that the Federal Government now requires all agents that sell Flood insurance complete a three (3) hour class based on very strict content. This course meets that requirement. Complete this course and send the certificate to your carriers and you are done! ADJUSTER OPTIONAL 3
$45.00
ICEA-WEB
INSURING COASTAL EXPOSURES ADJUSTERS
66940 		Although we can’t provide you with additional markets to write coastal business we can provide you with a great course on the recognition of exposures that must be addressed when writing a coastal account. This course will look at a variety of issues facing homeowners,condominium,flood,commercial property and business income coverages. ADJUSTER OPTIONAL 3
$35.00
ICEA-WEB
INSURING COASTAL EXPOSURES ADJUSTERS
66940 		Although we can’t provide you with additional markets to write coastal business we can provide you with a great course on the recognition of exposures that must be addressed when writing a coastal account. This course will look at a variety of issues facing homeowners,condominium,flood,commercial property and business income coverages. ADJUSTER OPTIONAL 3
$45.00
IPA-WEB
It’s Personal:Home and Auto Exposures Your
74707 		Maybe they don’t think about it. Maybe they’re worried about cost. Regardless, your personal insureds are keeping exposures from you that you need to know for coverage to do its job. Assisted living, side jobs, “entity” ownership, unmarried and living together, off-premises activities and other common exposures are discussed in interactive case studies. Solutions will help agents discover the truth, close the gap and keep the account. ADJUSTER OPTIONAL 3
$45.00
MA11-WEB
HURRICANE MITIGATION- ADJUSTERS
73105 		Webinar-The Florida Department of Financial Services now requires all Property and Casualty agents complete a one hour course on “Hurricane Mitigation” every compliance period. This requirement must be satisfied by all agents with a compliance period of January 31, 2009 and after. Even thought this is not a required course for adjusters this is great information for all adjusters. ADJUSTER OPTIONAL 1
$25.00
MITA-WEB
MITIGATION -ADJUSTERS WEB
65805 		Webinar-The Florida Department of Financial Services now requires all Property and Casualty agents complete a one hour course on “Hurricane Mitigation” every compliance period. This requirement must be satisfied by all agents with a compliance period of January 31, 2009 and after. Even thought this is not a required course for adjusters this is great information for all adjusters. ADJUSTER OPTIONAL 1
$25.00
MITA12-WEB
HURRICANE MITIGATION: HOW TO OBTAIN
79093 		In 2005, the Florida Legislature enacted a law requiring all residential property insurance companies to file with the Office of Insurance Regulation a range of premium discounts they propose to offer. Insurance companies issuing new homeowners’ insurance policies on or after October 1, 2005, or the first renewal of a homeowner’s insurance policy, were required to let policyholders know they can get discounts if they strengthen their homes against hurricane damage. All residential property insurance companies had to file a loss mitigation discount no later than March 1, 2007. After that date, insurance companies must provide all new and renewing customers the exact discounts that apply specifically to their homes. Until June 2009, the state had funds allocated to assist qualified homeowners with the cost of the inspection as well as the cost to mitigate the home. While the state no longer offers funding assistance, discounts on the wind portion of the home insurance are still available. ADJUSTER OPTIONAL 1
$25.00
PATA-WEB
Inherently Flawed:Patches for the Imperfect Policy
74705 		This course digs in to the overused, unendorsed, and heaping with easy-tofix- exposures versions of home, business and auto policies sold daily by agents everywhere. The question and answer format dives into discussion on common gaps and simple solutions that cost a little, do a lot and are certain to help strengthen the relationship with the buyer. ADJUSTER OPTIONAL 3
$45.00
PLCA-WEB
PERSONAL LINES ISSUES FOR COMMERCIAL ADJUSTERS
79990 		This seminar will communicate that writing insurance to provide protection for the majority of business exposures should be a systematic process. The program will review the principles of commercial lines risk management and Businessowners property and liability policies. Participants will gain an understanding of the source of claims and the insurance coverages available to provide protection businesses need. ADJUSTER OPTIONAL 3
$45.00
PLIA-WEB
PROPERTY LEASES AND INSURANCE-ADJUSTER
74504 		This course will go through Risk Management and will teach that one form of risk transfer is a contract. One person's solution may become another person's problem, as an agent contracts present challenges because it is usually a "done deal" when we see it and the commitments of the contract are broader than the coverage written or they may not be insurable at all. We will go through Contracts that are written by attorneys who use a vocabulary that does not fit the insurance policy, ie., personal injury used the Attorney is different from the personal injury when used in and insurance policy. This is a do not miss!!! ADJUSTER OPTIONAL 3
$45.00
WAIA-WEB
WHO IS AN INSURED-ADJUSTERS
75264 		Who IS an insured in an insurance policy? We will look into the Named as well as others stated in the policy and by endorsements We will also look at Who WANTS to be an insured? Partners of a partnership, Members of a joint venture, Officers, directors and stockholders of a corporation, Members and managers of a limited liability company, Trustees of a trust, Newly acquired or newly formed subsidiaries, Prior entities of the named insured, Employees, Volunteer workers or any person or entity who: Hires the named insured to perform work; Enters into a contract with the named insured; Rents or leases real or personal property to the named insured; Represents the named insured; and Is a creditor of the named insured. Who is an insured does not always equal who wants to be an insured nor does it equal who needs to be an insured! We will cover it all!!! ADJUSTER OPTIONAL 3
$45.00
TOPIC (COURSE) COURSE DESCRIPTIONS / ALL CLASSES ARE INTERMEDIATE LICENSE HOURS
ONLINE CLASSES
SPECIAL NOTES FROM FISCE
THREE YEAR NO REPEAT RULE: Department of Financial Services (DFS) rules prohibit receiving CE credit for the exact same course taken a second time within thirty-six months of the first attendance.
PRIVATE CLASSES: FISCE Has Private classes. Please call for more information.
WEBINARS:FISCE’s newest CE delivery method is here! We are proud to introduce the use of WEBINARS to teach you directly from your home or office with no examination requirement.
ONLINE CLASSES: FISCE now has online classes for you to take at your own convenience at www.fisce.com.
CLASS CREDITS: FISCE will only hold credits on account for two years. Credits must be used by the end of the 24th month following the first registration.
CERTIFICATE OF COMPLETION: If you did not receive your Certificate of Completion at your class, you may log on to our web site at www.fisce.com and look at your profile to print out your Certificate of Completion. Your certificate will be available online 7-10 days after the class date.
REGISTRATION: You have 3 choices (NO OVER THE PHONE REGISTRATIONS!)
  1. Online www.fisce.com - Enter your DFS# and your password and proceed to Online Registration. Don’t have a password? If you are a former student, a password will be sent to your email address on file when you enter your DFS#. Never been to FISCE, proceed to registration and you will receive a password once you register with FISCE. Online Registration (Four Easy Clicks). Click on classes, select location, select license type, select classes and check out. You will be able to update your profile, print certificates, confirmations and receipts anytime you log on with FISCE. Fast and Easy!
  2. Fax - Completed registration form should be faxed to (850) 224-6040.
  3. Mail - Completed registration form should be mailed to 1327 N. Adams Street, Tallahassee, FL 32303. Payment can be made at the time of registration or you can pay the day of the class.
MANDATORY CE COURSES:
ETHICS REQUIREMENT: All Agents with a Florida License must take a minimum of a 3 hour Ethics course every compliance period. All Florida Adjusters must take a minimum 2 hours of Adjuster Ethics course every compliance period.
HURRICANE MITIGATION: The Florida Department of Financial Services now requires all Property and Casualty agents complete a 1 hour course on “Hurricane Mitigation” every compliance period. This is available as a webinar from FISCE.
SUITABILITY OF ANNUITY: All life agents will be required to take a minimum of a 3 hour Suitability course every compliance period.

TALLAHASSEE
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GAINESVILLE
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FT. LAUDERDALE
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MIAMI
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FT. MYERS
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TAMPA WEST press "0"
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TAMPA EAST
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ORLANDO NORTH
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ORLANDO SOUTH (2009)
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Florida Insurance School - Continuing Education
2010 SCHEDULE (April - April)
Florida Insurance School
Continuing Education
1327 N. Adams Street
Tallahassee, FL
1-800-786-4303
FAX 850-224-6040
www.fisce.com
Pre-Sorted Standard
US POSTAGE PAID
Tallahassee, Florida
Permit No. 231