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“Just give me whatever I had last year.”
-Every insured at renewal requesting limits selected three decades ago
Always confused. Always wrong. Personal lines deductibles never seem to work how the insured expects. Further, when was the last time you said of any insured (personal or commercial) “I’m not worried about insured XYZ because their limits are rock-solid and they know exactly how claims work”? On the deductible front, instructor Nicole “WTH’s Decaf?” Broch returns this Wednesday, 2/1 from 2 - 3p to debut her new topic titled An Hour With Nicole: Why Personal Lines Deductibles Always Confuse Insureds. If Insurance-to-Value deficiencies and woefully low limits of insurance are soiling your book of business, join instructor Steve “He Ain’t” Lyon Thursday, 2/2 from 9a – 12p for Why Insurance To Value And Liability Limits Are Always Wrong (And How To Fix That).
Law & Ethics Update Webinars: opportunities abound! Learn the latest happenings with FL rules/regs/laws and knock out your 4-Hour L&E Update requirement with us. There are several options this month (including some this week). Check out the schedule below and register online today!
This week’s Webinars (all times Eastern. Keep scrolling to see the full month schedule):
- WED, 2/1, 9a – 1p - For Life & Health Licensees In 2023: 4-Hour Law & Ethics Update. If you’re in need of your 4-hour Law & Ethics Update, join Karin “I’ll Ask An Alaskan” Woofter Saturday morning and she’ll knock it out with you.
- WED, 2/1, 9a – 1p – For All-Lines Claims Adjuster Licensees In 2023: 4-Hour Law & Ethics Update. If you’re in need of your 4-hour Law & Ethics Update, join yours truly and we’ll knock it out together.
- WED, 2/1, 2 - 3p – An Hour With Nicole: Why Personal Lines Deductibles Always Confuse Insureds. Instructor Nicole Broch shares several examples sure to fortify your understanding of both general and unique applications of deductibles in common personal lines policies.
- THURS, 2/2, 9a – 12p - Why Insurance To Value And Liability Limits Are Always Wrong (And How To Fix That). Join instructor Steve Lyon for this in depth look at adequately insuring for the “worst case scenario” for both personal and commercial clients and why the industry has been giving insureds bad advice for way too da#n long.
- THURS, 2/2, 1 – 4p – Claims That Will Convince Your Insured To Enhance Their Homeowners Coverage. To save a few bucks, consumers are quick to strip off valuable coverage from their homeowners policy and/or buy coverage that doesn’t match their exposure. Nicole returns with several examples of why this is a terrible, horrible idea.
It’s a fine week to be at the FISCE and we’re humbled to share it with you. Remember, if you’re an unapologetic lover of the Sunshine State keep scrolling for this week’s F5 (“Fascinating Factoid For Fanatical Floridians”.)
Until the next round…cheers!
Kevin “Likely Confused, Likely Wrong” Amrhein, CIC, CBIA
Florida Insurance School Continuing Education (FISCE)
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