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Technical Report Listings
Complete Listing of Technical Reports
Policy Coverages
Business Auto Policy
Policy Guide - Texas Business Auto Policy
Introduction
Eligibility
Declarations Page Commentary
Common Policy Conditions
Covered Auto Symbols
Automatic Coverage Features
Liability Coverage
Who Is An Insured
Coverage Extensions
Liability Exclusions
Liability Limits
Physical Damage Coverage
Physical Damage Exclusions
Physical Damage Limits
Loss Conditions and General Conditions
Definitions
Medical Payments Coverage TE 99 03B
Personal Injury Protection TE 04 01C
Uninsured/Underinsured Motorists Insurance TE 04 09D
Policy Guide - ISO Business Auto Coverage Form
Introduction
Eligibility
Declarations Commentary
Common Policy Conditions
Covered Auto Symbols
Automatic Coverage Features
Liability Coverage
Who Is an Insured
Coverage Extensions
Liability Exclusions
Limits of Liability
Physical Damage Coverage
Physical Damange Exclusions
Physical Damage Limits and Deductibles
Conditions
Definitions
Medical Payments
Personal Injury Protection
Uninsured Motorist
Forms & Endorsements - Texas
Forms & Endorsements - ISO
Technical Reports
Additional Insureds
Animal Damage
Automatic Coverage
Blowouts
Business Autos for Business Owners
Completed Operations Exclusion
Custom Furnishings
Drive Other Car and UM/UIM
Driver Exclusions
Electronic Equipment
Equipment on the Auto
Family Members
Farm or Ranch Trailers
Hit and Run
Individual Named Insured
Injuring Fellow Employees
Intentional Acts Exclusion Requires Intentional Damage
ISO Commercial Auto Program Approved in Texas
Leased
Loading and Unloading
Mexico Coverage Case Studies
Mexico Coverage Endorsements
Mobile Equipment
Motor Vehicle Reports
Named Driver Exclusion
Named Driver Exclusion Endorsements
Ownership Problems
Permissive Users
Personal Trailers Towed by Business-Owned Vehicles
PIP Payments
PIP and UM/UIM
Pollution Exclusion
Property Damage - ACV or RC?
Radius Class
Rental Cars
Repossessed Autos
Subrogating UM/UIM Coverage
Supplementary Death Benefit
Title Transfers
Towing Charges
Tree Falling on Car Equals Collision
Truck Sign Covered
Underinsured Motorist Coverage - Family Member
Uninsured Motorist Loss of Use
Valuation of Auto Losses
Waivers of Subrogation
Businessowners Policy (ISO)
Policy Guide
Introduction
Eligibility
Features
Coverage Form - Property
Lead-In Provision
Covered Property
Property Not Covered
Covered Causes of Loss
Limitations
Additional Coverages
Coverage Extensions
Exclusions
Limits of Insurance
Deductibles
Property Loss Conditions
Property General Conditions
Optional Coverages
Property Definitions
Coverage Form - Liability
Liability and Medical Expenses Coverages
Exclusions
Who Is An Insured
Limits of Insurance
General Conditions
Definitions
Common Policy Conditions
BP 01 08 Changes
Forms & Endorsements - ISO
Technical Reports
The BOP is Not For Everyone
Contractor Endorsement
Food Service Accounts
Mechanical Breakdown Optional Coverage
Policy Limits
Commercial General Liability (ISO)
Policy Guide
Introduction
Declarations Pages
Common Policy Conditions - Form IL 00 17
Coverage A: Bodily Injury and Property Damage
Coverage A: Exclusions
Coverage B: Personal and Advertising Injury
Coverage C: Medical Payments
Supplementary Payments - Coverage A and B
Who Is An Insured
Limits of Insurance
Conditions
Definitions
Other CGL Editions
Forms & Endorsements
Coverage Forms & Endorsements
CG 00 __ Coverage Forms - Endorsements
CG 01 __ Texas Amendatory Endorsements
CG 02 __ Termination and Suspension Endorsements
CG 03 __ Deductible Endorsements
CG 04 __ Additional Coverage Endorsements
CG 20 __ Additional Insured Endorsements
CG 21 __ Exclusion Endorsements
CG 22 __ Special Provisions Endorsements
CG 24 __ Coverage Amendment Endorsements
CG 25 __, CG 26 __ and CG 27 __
CG 28 __ and CG 29 __ Miscellaneous Endorsements
CG 99 __ Miscellaneous Endorsements
IL 01 __ and IL 02 __ Miscellaneous Endorsements
Technical Reports
"Absolute" Auto Exclusions
Additional Insureds
Additional Insureds - 2004 Endorsements
Additional Insureds Endorsements Sample Letter
Additional Insureds Insurance Coverage
Additional Insured Problems
Asbestos Exclusions
Auto Exposures - CGL Coverage?
Auto ID Cards for Mobile Equipment
Auto Repair Shops
Beware the CG 22 94
Care, Custody and Control, Leasing
CG 21 44 Is Ill-Advised
Charitable and Non-Profit Immunity
Claims-Made Policies
Claims-Made Policy Forms
Classifications Including Products
Concrete Contractors - Coverage Gap
Construction Defects
Contractual Liability Insurance Coverage
Contractual Liability - Texas Oilfield Anti-Indemnity Statute
Damage to Previous Work
Damage to Rented Premises
Defibrillator Liability
Directors and Officers Liability
Discontinued Operations
Discontinued Products and Operations
eCommerce Coverage and Professional Liability Exposures
Electronic Data Damage
Employee Benefit Fiduciaries and Administrative Staff
Employee Benefits Liability
Employment Practices Liability Exposures
Employment Practices Liability Risk Management
Foreign Liability
Forms Comparison (pdf)
ICT-TE0051A (pdf)
Incidental Medical Malpractice
Injuring Fellow Employees
Intentional Acts Exclusion Requires Intentional Damage
Large Risk Definition
Licensed Mobile Equipment
Limited Liability Partnerships E&O
Medical Payments-Automatic?
Misdelivered Products
Mobile Equipment
Mobile Equipment Changes in 2005
2005 Changes
Definition of Mobile Equipment
Definition of Auto
CGL Policy - Auto Exclusion
Endorsement CA 00 51 12 04
Mobile Equipment Chart
Sample Customer Letter
Montrose Endorsements
Occurrence-What Is It?
Other Insurance
Owner Controlled Insurance Programs (OCIP)
Parking Lots
Personal and Advertising Injury Coverage
Personal Injury in EPL Claims
Pollution Coverages
Pollution Liability for Contractors
Primary and Non-Contributory
Professional Liability Basics
Professional Liability Claims Trigger
Property Damage - ACV or RC?
Property Damage Occurs When Property Damage Occurs
Punitive Damages - Covered or Not?
Punitive Damages Exclusions
Retaliation Claims
Subcontractor Costs
Surplus Lines CGL Exclusions
Volunteers
Waivers of Subrogation
What Is a Territory?
Workers' Compensation or CGL?
Educational Resources
Employee Benefits/Fiduciary Liability
Exclusion j-Damage To Property
Exclusion l-Damage To Your Work
Exclusion m-Damage To Impaired Property
Exclusion n-Recall of Products, Work or Impaired Property
Glossary of International Insurance Terms
Other Insurance
Commercial Inland Marine (ISO)
Policy Guide
Introduction
Definitions
ISO Inland Marine Coverage Forms
Components of the Policy
Common Policy Conditions Form
Loss Conditions and General Conditions
Accounts Receivable Coverage Explanation
Accounts Receivable Declarations Page
Accounts Receivable Coverage Form
Electronic Equipment Coverage Form
Valuable Papers and Records Coverage Explanation
Valuable Papers Declarations Page
Valuable Papers and Records Coverage Forms
Physicians and Surgeons Equipment Coverage Explanation
Physicians and Surgeons Declarations Page
Physicians and Surgeons Coverage Forms
Physicians and Surgeons Additional Coverage
Signs Coverage Explanation
Signs Declarations Page
Signs Coverage Form
Nonregulated Inland Marine Forms
Contractors Equipment Policy
Major Variations in the Contractors Equipment Forms
Builders Risk and Installation Floater Policies
Comparison of Builders Risk and Installation Floaters
Transportation Insurance
Comparison of Transportation Forms
Technical Reports
Builders Risks and Installation Floaters
Damaged Glass
Don't Forget Accounts Receivable Coverage
Physicians and Surgeons Form
Valuable Papers and Records Coverage
Waivers of Subrogation
Commercial Property Policy (ISO)
Policy Guide
Introduction
Components of the ISO Commercial Property Policy
Declarations Page Commentary
Common Policy Conditions Form
Common Property Conditions Form
Direct Damage Coverage Forms
Building and Personal Property Coverage Form
Condominium Association
Condominium Commercial Unitowners
Builders Risk
Indirect Damage Coverage Form
Business Income and Extra Expense
Causes of Loss Forms
Causes of Loss Basic Form
Causes of Loss Broad Form
Causes of Loss Special Form
CP 01 42 Texas Amendatory Endorsement
Numbering System for Countrywide Forms and Endorsements
Comparison of ISO to CPP Property Coverages
Other ISO Commercial Property Editions
Forms & Endorsements - ISO
Technical Reports
Actual Cash Value
Anti-Concurrent Causation
Blanket Coverage on Personal Property
Blanket Insurance and the Margin Clause
Boiler and Machinery Insurance
Building Coverage for Tenants
Business Income Basics
Business Income Can Be Tricky
Business Income/Extra Expense
Business Income Partial Shutdown
Cancellation Notices to Mortgagees
Coinsurance
Copper Theft Coverage Issues
Crime Coverage-Definition of Employee
Crime Program Update
Electronic Equipment Policies
Emergency Response Service Charges
Employee Dishonesty Risk Management
Employee Theft and Small Businesses
Employee Theft of Customers' Property
Flood - Get In or Get Out
Flood Insurance Gaps
Flood Insurance Primer
Flood - Read the Instructions
Functional Valuation Needed for Computers
Goods Sold But Not Delivered
Large Risk Definition
Leaks Under the Foundation
Lease Agreements
Lottery Tickets
Mold and the CPP
No Benefit to Bailee
Other Insurance Clause
Personal Effects Coverage
Plate Glass Coverage
Power Outage
Premises Description
Sewer Backup Coverage
Sinkhole Collapse Coverage
Site Improvements
Terrorism Exclusions in 2005
Theft of Customer's Property
Vacancy and Unoccupancy
Voluntary Parting Exclusion
Waivers of Subrogation
Water Damage
Farm and Ranch Policy
Policy Guide
Introduction
Farm and Ranch Policy (Texas)
Farm and Ranch Owners Policy (Texas)
Farm Coverage Program (ISO)
Liability Forms Comparison
Technical Reports
All-Terrain Vehicles
Animal Collision
Hunting Exposures
Products Liability
Garage Policy and Garagekeepers (Texas)
Policy Guide - Texas Garage Policy
Introduction
Coverage Features
Eligibility
Components
Garage Policy Declarations Page Commentary
Common Policy Conditions TE 00 17
Section I Part A - Covered Auto Symbols
Section I Part B and C - Automatic Coverage Features - Sec I cont'd
Section II - Liability Coverage
Section II - Limits of Liability and Deductible
Section II - Who Is An Insured
Section II - Coverage Extensions
Section II - Exclusions
Section III - Garagekeepers Coverage Section III
Section IV - Physical Damage Coverage
Section V - Conditions
Section VI - Definitions
Texas Garage Policy versus BAP and CGL
Policy Guide - ISO Garage Coverage Form
Introduction
Coverage Features
Eligibility
Declarations
Common Policy Conditions (IL 00 17)
Covered Autos
Liability Coverage
Who Is An Insured
Coverage Extensions
Exclusions
Limits of Liability & Deductible
Garagekeepers Coverage
Physical Damage Coverage
Garage Conditions
Definitions
Forms & Endorsements - Texas
Forms & Endorsements - ISO
Technical Reports
Auto Repair Shops
Avoiding Garage Gaps
Care Custody or Control and the Garage Policy
Closing Garage Gaps
Garagekeepers for Parking Lots
Garagekeepers Options
Mobile Equipment
Parking Lots
Homeowners Policy
Policy Guide - Texas
Introduction
Homeowners Eligibility
Declarations Commentary
Agreement and Definitions
Common Conditions
HO B Section I Coverage A Property
HO B Perils Insured Against
HO B Property Exclusions
HO B Deductibles
HO B Extensions
HO B Conditions
HO A
HO 470T
HO C
Tenant Forms
Condominium Forms
Homeowners Perils Insured Against
Limitations on Amounts of Insurance for Specific Property
Homeowners Section II Liability
Coverage for Employees
Additional Coverages and Conditions Section II
Descriptive Charts
Coverage Chart
Perils
Dwelling Coverage Comparison
Scheduled Personal Property
Motor Vehicles and Trailers
Watercraft
Additional Insureds
Policy Guide - ISO
Introduction
Eligibility
Declarations
HO 3 Agreement/Definitions/Deductibles
HO 3 Property Coverages
HO 3 Property Perils Insured Against
HO 3 Property Exclusions
HO 3 Property Conditions
HO 3 Liability Coverages
HO 3 Liability Exclusions
HO 3 Liability Additional Coverages
HO 3 Property and Liability Conditions
HO 2 Broad Form
HO 4 Contents Broad Form
HO 5 Comprehensive Form
HO 6 Unit-Owners Form
HO 8 Modified Coverage Form
HO 01 42 Special Provisions - Texas
Home Business Coverage
Descriptive Charts
Coverage Chart
Sublimits Chart
Motor Vehicles and Trailers
Watercraft
Forms Comparison
Additional Insureds
Forms & Endorsements - Texas
Homeowners Property Endorsements
Homeowners Liability Endorsements
Forms & Endorsements - ISO
Technical Reports
Actual Cash Value
Additional Insureds
All-Terrain Vehicles
Anti-Concurrent Causation
Appraisal
Borrowed Outboard Boat
Building a Home
Building Laws
Building Laws Case Study
Building Materials
Business in the Home
Business Pursuits Exclusion
College Students Away From Home
Condo Owners Loss Assessment Coverage
Condominium Dwelling Coverage
Condominium Unit Owners
Condominium Unit Owners - Two Choices
Condominium Units on the ISO Form
Condominiums and Townhouses
Condominiums and Wind Driven Rain
Contract of Sale
Copper Theft Coverage Issues
Coverage for Employees
Directors, Officers and Volunteers
Domestic Workers
Earthquake Insurance
Electrical Injury Exclusion
Emergency Response Service Charges
Employer-Owned Laptop Computers
Flood Insurance Primer
Flood - Get In or Get Out
Flood - Read the Instructions
Forms Comparison - Liability
Forms Comparison - Property
From Texas to ISO - Ten Essential Questions When Changing Forms
Golf Carts
High Valued and Historic Homes
Home Additions
Home Repair Liability
Hunting Exposures
Hunting Vehicles
Identity Theft
Insuring Personal Trusts
Intentional Acts, Concealed Weapons, and Liability
Jewelry Valuation
Lakefront Property Problems
Lender Requirements on Mortgaged Property
Living Together
Loss Assessment
Mold Endorsements
Mold Problem, The
Mortgage Closings
Moving With Rental Trucks And Trailers
Mower and Trailer
No Benefit to Bailee
Nursing Home Residents
Oil and Gas Leases and Personal Insurance
Policy Limits
Property Damage - ACV or RC?
Public Protection Classifications
Relocating Out of State
Rented Secondary Residence
Replacement Cost Coverage
Residency Issues in ISO Homeowners Policy
Scheduled Personal Property Valuation
Scooters Go-Carts and Barbie Jeeps
Segways and Other Motor Vehicles
Sewer Backup Coverage
Sinkhole Collapse Coverage
Storage of Personal Property
Storm Damage: Trees and Spoilage
Super Bowl Rentals Covered
Teens and Parties
Tractors
Travel Trailer Accidents
Two Homes and Two Policies
Vacant Home After Loss
Vacant Property
Vacation Insurance
Valet Parking at Private Parties
Water Damage Coverage on the Homeowners Policy
Watercraft Coverage
Wedding Reception
Personal Auto Policy
Policy Guide - Texas
Overview and Eligibility
Declarations Page Commentary
Insuring Agreement and Definitions
Part A Liability Coverage
Part B1 Medical Payments Coveragae
Part B2 Personal Injury Protection
Part C Uninsured or Underinsured Motorist Coverage
Part D Coverage for Damage to Your Auto
Part E Duties After an Accident or Loss
Part F General Provisions
Mandatory Endorsements
Appendix
Your Covered Auto
Liability Components
Covering Rental Autos on the PAP
Uninsured and Underinsured Motorists Coverage
Comparing Coverages on the PAP
Coverage D Damage to Your Auto
Policy Guide - ISO
Overview and Eligibility
Agreement and Definitions
Part A Liability Coverage
Part B Medical Payments Coverage
Personal Injury Protection Coverage - PP 05 98
Part C Uninsured Motorists Coverage
Part D Coverage for Damage to Your Auto
Part E Duties After an Accident or Loss
Part F General Provisions
Amendment of Policy Provisions - Texas - PP0150
Forms & Endorsements - Texas
Forms & Endorsements - ISO
Technical Reports
Accident - What Is It?
Blowouts - Collision or Other?
Carpooling
Coverage Denials
Divorce Situations
Domestic Workers
Electronic Equipment
Farm or Ranch Trailers
Furnished Or Available
Hit and Run
Hunting Vehicles
Insuring Nonowned Autos
Insuring Personal Trusts
Intentional Acts Exclusion Requires Intentional Damage
Intentional Damage By An Insured
ISO Personal Auto Policy
Living Together
Medical Payments or PIP?
Mexico Coverage
Mexico Coverage Case Studies
Mexico Coverage Endorsements
Motor Home And Travel Trailer Rentals
Motor Vehicle Reports
Moving With Rental Trucks And Trailers
Named Driver Exclusion Endorsements
New Texas PAP, The
Newly Acquired or Replacement Cars
Personal Trailers Towed by Business-Owned Vehicles
PIP vs. Med Pay
Property Damage - ACV or RC?
Rental Vehicles
Sport Utility Vehicles
Supplementary Death Benefit
Title Transfers
Travel Trailer Accidents
UM PD on Trailers
Uninsured Motorist Coverage
Uninsured Motorist Loss of Use
Vacation Insurance
Valet Parking at Private Parties
Valuation of Auto Losses
Vehicle Owned by Non-Driver
Workers' Compensation (NCCI)
Policy Guide
Introductions
About the Law
The Information Page
General Section
Part One Workers' Compensation
Part Two Employers Liability Insurance
Part Three Other States Insurance
Part Four Your Duties If Injury Occurs
Part Five Premium
Part Six Conditions
Part Seven Our Duty to You for Claim Notification
Endorsements
Texas Amendatory Endorsement
Technical Reports
Agricultural and Domestic Employees
Alternate Employer
Classification System
Course and Scope of Employment
Coverage While Going to Work
Deductible Plans
Employee Election
Employee Leasing
Employees and Employers
Employers Liability
Excluding Officers and Partners
Executives, Sole Proprietors and Partnerships
Experience Mods Rising
Experience Rating Workbook
Federal Workers' Compensation Laws
Group Self-Insurance Q&A
Idiopathic Injury
Illegal Aliens
Independent Contractors
Injuring Fellow Employees
Liability for Employment Practices and Workers' Compensation
Loss Runs - What Are They Good For?
Multiple State Exposures
Networks for Healthcare Benefits
Nonsubscribers
Other States Coverage Issues
Other States Coverage - Texas Mutual
Owner Controlled Insurance Programs (OCIP)
Punitive Damages
Rejecting Workers' Compensation Insurance
Temporary Employees
Volunteers
Waivers of Subrogation
Working in Florida
Educational Materials
Advice to Contractors and Summary of TWCC 81 through 85 and Usage
Caused by or aggravated by the conditions of employment
Consequential bodily injury to a spouse or blood relative
Dual Capacity
Dual Capacity - Owners, Officers, and Partners
Limits of Insurance for Part Two Employers Liability
Rejecting The Act: Employer Obligations
Rules for Experience Rating
Third Party Suits Against Employer
When An Employer Elects Not To Buy Coverage
Resources
Selected References and Searchable Databases
Agency Management
Finance
Managing Accounts Receivables with Automation
Accounts Receivable Sample Policy
Guide to Profit-Sharing or Incentive Compensation Agreements
Compensation
Wage Planning
Personnel and Compensation Dilemma
Employee Performance Rewards
Motivating Employees With Incentive Compensation Plans
Producer Compensation
Overview-Compensating New Agency Producers
Preliminary Agency Financial Review
Worksheet A
Sample A-1
Sample A-2
Worksheet B
Worksheet C
Sample B-1
Sample B-2
Sample C
What Can Your Agency Afford to Pay Producers?
Worksheet D
Sample D-1
Sample D-2
Using the Target Producer Compensation Percentage to Develop Program Variations to Develop Program V
Determining Initial Production Goals and Validation Level
Worksheet E-1
Worksheet E-2
Samples E-1 through E-4
Setting the Draw or Salary and Establishing Incentives
Monitoring and Adjusting the Program
Premium Finance Compensation
Premium Financing
Legal Compliance
Advertising
Agency-Company Contract Terminations
Agent Licensing
Continuing Education Requirements
State/National Association Credit Form (pdf)
General Information Applicable to All Licenses
General Lines Life, Accident, Health and HMO License
General Lines Property and Casualty License
Insurance Adjusters License
Insurance Code Licensing References
Insurance Department Web Sites
Insurance Service Representative Licensing
Managing General Agents License
Naming Your Agency
Nonresident Licenses
Obtaining a License
Other Licenses
Partnership and Corporate Licenses
Personal Lines Property and Casualty License
Risk Management Service Agreement
Risk Managers License
Sources for Continuing Education
Sources for Qualifying Exam Study Materials
Surplus Lines Agents License
Who Needs an Insurance License?
Agent of Record Letters
Association and Other Third-Party Endorsements
Brokering, Referrals and Sharing Commissions
Commission Versus Fees
Company Financial Evaluation and Regulation
Agent's Responsibilities
Avoiding Troubled Companies
How the Guaranty Fund Works
Insolvent MGAs and Surplus Lines Agents
IRMI Report: Insurer Solvency
Reacting to a Carrier Downgrade
Signs of Trouble
State Regulation of Insurers
TDI Assistance
Understanding Best's Ratings
Contest, Giveaways and Sweepstakes
Disclosure of Service Fees and Reimbursements
Disclosure Statement of No Appointment Where Referring Business
Fees Charged by Agents
Fraud Reporting
Guide to Agency-Company Agreements
Guide to Life Insurance Contracts
Legal Responsibilities of an Insurance Agent
Miscellaneous Laws and Regulations
Auto Coverage and Limits Disclaimer
Bankruptcy
Cancellation and Nonrenewal Rules
Can Spam FAQ (pdf)
Can Spam Act
Certificates of Insurance
Certificate Example Texas Dept. of Transportation
Charitable Immunity
Criminal Background Checks
Crime Act FAQ (pdf)
Dangerous Dog Registration
Deductible Recovery
Do-Not-Call Laws
Drivers Privacy Protection Act (pdf)
Electronic Signatures
Fair and Accurate Transactions Act (Fact Act)
Fair Credit Reporting Act (FCRA) (pdf)
FACT Act (pdf)
Fair Credit Reporting Act (FCRA)
Government Entities
Insurance Scoring, the Use of Credit Scoring as an Underwriting Tool
Health Portability and Accountability Act (HIPAA)
Lender Requirements on Mortgaged Property
Junk Fax Prevention Act (pdf)
Misrepresentation of Property Values
Monthly Installment Rule
No Prior Insurance Rule
Patriot Act (pdf)
Physical Examinations for Auto Insurance
Power of Attorney
Premium Increases
Prompt Payment of Claims
Proof of Financial Responsibility
Providing Claims Information to Insureds
Rate and Form Regulation for Property and Casualty Lines
Sale of Workers' Compensation Alternatives
Statutes of Limitation and Repose
Types of Insurers
Understanding Surplus Lines
Underwriting and Quoting Personal Lines
Underwriting and Quoting Dos and Don'ts
Valued Policy Law
Withdrawal from a Line or Territory
Non-Disclosure Agreement
Pools and Plans
Texas Automobile Insurance Plan Association
Texas FAIR Plan Association
Texas Medical Liability Underwriting Association or JUA
Texas Mutual Insurance Company or The Fund
Texas Windstorm Insurance Association or TWIA
Wind Policy Chart
Other State Pools and Plans
Premium Finance Compensation
Privacy
Privacy Notices
Protecting Customer Information from Identity Theft
Rebating and Referral Fees
Record Retention Schedule
Tie-In Sales
Unauthorized Insurance
Unfair Competition and Trade Practice
Written Explanation of Certain Endorsements
Operations
Outsourcing for Agents
Hiring Tool Kit
A Marketing Approach to Hiring
Recruiting
Do You Really Need a New Producer?
Do You Really Need a New CSR?
Preparing to Find the Best Producer
Locating Producer Candidates
Locating CSR Candidates
Guide to Internships (pdf)
College Recruiting 101
How to Write Agency Job Descriptions
Sample Job Descriptions
Agency Principal
Bookkeeper
Claims Representative
Client Service Agent, Commercial Lines
Client Service Agent, Personal Lines
Information Systems Administrator
Manager
Producer
Receptionist
Telemarketer
Assessment and Selection
Applicant Test - Personal Lines (pdf)
Applicant Test - ISO Personal Lines (pdf)
Applicant Test - Commercial Lines (pdf)
Applicant Test - Agency Procedures (pdf)
Personality Assessments
Producer Profile (pdf)
CSR Profile (pdf)
Agency Relational Competency Assessment Tool
Avoiding Liabilities in Interviewing
Screening & Interviewing
Resume Acknowledgment Letter
Application for Employment
Candidate Evaluation Form
Interview Questions
Rejection Letter
Offer Letter
New Employee Training
Mentor Guide - Critical Introduction (pdf)
Mentor Guide - Starting Right (pdf)
Mentor Guide - First Week Chores (pdf)
Mentor Guide - Insurance Basics (pdf)
Mentor Guide - Learning Procedures (pdf)
Mentor Guide - The Right Coverage (pdf)
Mentor Guide - Intro to Customer Service (pdf)
Mentor Guide - Intro to E&O (pdf)
Mentor Guide - Career Development (pdf)
Mentor Guide - Complete Guide (large pdf)
Employee Guide - Starting Right (pdf)
Employee Guide - First Week Chores (pdf)
Employee Guide - Insurance Basics (pdf)
Employee Guide - Learning Procedures (pdf)
Employee Guide - The Right Coverage (pdf)
Employee Guide - Intro to Customer Service (pdf)
Employee Guide - Intro to E&O (pdf)
Employee Guide - Career Development (pdf)
Employee Guide - Complete Guide (pdf)
Training Needs Checklist (pdf)
Employee Development
360 Degree Feedback
Sample Feedback Questionnaire (pdf)
Employment Law Compliance
Employee Handbook Model
Exempt and Nonexempt Employees
Checklist to Analyze Exempt versus Non-Exempt Status
Employee Arbitration Agreements
Producers - Independent Contractor or Employee
Sample Producer Agreement
Technology
Workflow Guides Best Practices
Technology Best Practices
Automated Marketing Systems
Automation Vendors
Choosing an Automation System
Comparing Automation Systems
Sales and Marketing
Commercial Lines Coverage Checklist, in pdf format
Personal Lines Coverage Checklist - Texas, in pdf format
Personal Lines Coverage Checklist - ISO, in pdf format
Advertising
Strategic Planning
Agency Cluster Primer
Business Plan Basics (pdf)
Code of Ethics
IIABA Aggregator Guidebook (pdf)
Risk Factor Checklist (pdf)
Sample Business Plan (pdf)
Strategic Planning Primer (pdf)
Successful Business Combinations (pdf)
Products and Services Resources
E&O Loss Control
Getting to Know Your E&O
Covered Persons
Covered Services
Deductibles
Excluded Insurers
Exclusions
More Exclusions
Personal Injury
Prior Knowledge Exclusions
Relationship Exclusions
What Is a Claim?
E&O Newsletters
Archive
Sample Letters and Forms
Broader Homeowners Coverage
Builders with CG 22 94 Attached to CGL
E&O Alert
Flood Insurance
Flood Insurance Acknowledgement Form (pdf)
Reduced Auto Coverage
Downgraded Carrier (pdf)
Carrier Less Than B+/Surplus Lines (pdf)
Reviewing Contracts for Insureds
Selecting Limits - Insured's Responsibility
Guide to E&O Loss Control
Read This First
Why Worry About E&O Loss Control?
Agents - Targets for E&O Claims
Management and Operations
Implementing a Loss Control Program
Conducting a Self-Audit
Developing a Procedures Manual
Marketing and Selling
Best Practices
Self-Audit
Sample Letters
Sample Procedures
New Business
Best Practices
Case Studies
Self-Audit
Sample Letters
Sample Procedures
Policy Changes
Best Practices
Case Studies
Self-Audit
Sample Letters
Sample Procedures
Claims
Best Practices
Case Studies
Self-Audit
Sample Letters
Sample Procedures
Renewals
Best Practices
Case Studies
Self-Audit
Sample Letters
Sample Procedures
Cancellations and Nonrenewals
Best Practices
Case Studies
Self-Audit
Sample Letters
Sample Procedures
Certificates of Insurance
Best Practices
Case Studies
Self-Audit
Sample Checklist
Sample Wording
Sample Procedures
Policy Audits
Best Practices
Case Studies
Self-Audit
Sample Letters
Sample Procedures
Using Wholesalers
Best Practices
Case Studies
Self-Audit
Sample Checklist
Sample Letters
Sample Procedures
Technology Issues
Best Practices
Self-Audit
Other Issues
When You Have an E&O Claim
Client Communications
Introduction and Typical Questions
Personal Lines
Insurance to Value - HO and Dwelling
Credit Rating
Personal Injury Protection and Medical Payments
Premium
Rental Car Coverage
Replacement Cost
Commercial Lines
Certificates of Insurance
Coinsurance
Experience Modifiers - Workers' Compensation
Rental Car Coverage
IRMI Insurance Glossary