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Copyright © 2001 - 2006, Independent Insurance Agents of Texas. All rights reserved.
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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