FYI Express
  • FYI Express: GA 03/23
  • Custom Lead Generator
  • Insurance Expo 365
  • Do It Yourself Marketing
  • How to get Peace of Mind
  • Georgia 24 hours CE On Demand
    • #1: Georgia OCI
    • #2: Modern Family
    • #3: Auto Insurance
    • #4: Home Insurance
    • Promotional Videos
    • #5: Stand Alone Policies
    • #6: RC vs ACV
    • #7: E & O Prevention
    • #8: Small Business Insurance
    • #9: Ethics
    • #10: Life Lessons
    • #11: You Deserve a Break
    • #12: Insurance Fraud
    • #13: Here Comes the Judge
    • #14: Agency Management
    • #15: Customer Service Tips
    • #16: Employee Training
    • #17: Insurance 101
    • #18: Coinsurance Clause
    • #19: C.O.P.E.
    • #20: General Contractors
    • #21: Garage Insurance
    • #22: Trucking Companies
    • #23: Restaurant Insurance
    • #24: Digital Handshakes using Zoom
    • #25: Day Care Centers
  • Georgia 20 Hour Limited Subagent
  • Georgia 20 Hour Personal Lines Agent
  • South Carolina Personal Lines Course
  • Texas Limited Lines Course
  • Training for New Hires: Personal Lines
  • Training for New Hires: Commercial Lines
  • Training for New Agency Owners
  • Is Your Website WCAG Accessible?
  • FYI Express: GA 03/23
  • Custom Lead Generator
  • Insurance Expo 365
  • Do It Yourself Marketing
  • How to get Peace of Mind
  • Georgia 24 hours CE On Demand
    • #1: Georgia OCI
    • #2: Modern Family
    • #3: Auto Insurance
    • #4: Home Insurance
    • Promotional Videos
    • #5: Stand Alone Policies
    • #6: RC vs ACV
    • #7: E & O Prevention
    • #8: Small Business Insurance
    • #9: Ethics
    • #10: Life Lessons
    • #11: You Deserve a Break
    • #12: Insurance Fraud
    • #13: Here Comes the Judge
    • #14: Agency Management
    • #15: Customer Service Tips
    • #16: Employee Training
    • #17: Insurance 101
    • #18: Coinsurance Clause
    • #19: C.O.P.E.
    • #20: General Contractors
    • #21: Garage Insurance
    • #22: Trucking Companies
    • #23: Restaurant Insurance
    • #24: Digital Handshakes using Zoom
    • #25: Day Care Centers
  • Georgia 20 Hour Limited Subagent
  • Georgia 20 Hour Personal Lines Agent
  • South Carolina Personal Lines Course
  • Texas Limited Lines Course
  • Training for New Hires: Personal Lines
  • Training for New Hires: Commercial Lines
  • Training for New Agency Owners
  • Is Your Website WCAG Accessible?
FYI Express
​"How to Insure" Training Courses
The "How to Insure" Online Training Courses are a practical hands-on program that explores the insurance needs of a customer. Each course follows a producer as he or she uses the Risk Evaluation System to work with a client in a specific industry. These courses are risk-specific, not coverage-specific and are designed to be introductory, not in-depth. They can help a producer, CSR and others in an agency gain the confidence necessary to pursue and work with a different industry niche.
Throughout this course, we will be providing regular updates on how our agent is progressing with the customer. At these updates, we will take time to review the course material with a short quiz. After you answer 10 quiz questions, the correct answers will be shown before going on to the next 10.
Commercial General Liability & Business Auto Policy Quiz
Picture

​#1 - Risk Overview

#2 - General Information

#3 - Business Personal Auto

#4 - Inland Marine​

#5 - Employee Dishonesty

#6 - General Liability

​#7 - Contractual Exposures
Is Additional Insured Status Just A Technicality?
An insurer denied coverage for a contractor. The carrier held that the contractor was not owed coverage as it was not explicitly shown under a written agreement to be an additional insured. The contractor, seeking reimbursement after being sued by a city for negligent work, sued the insurer for recovery.
Click here to see whether the courts agreed that the contractor was eligible for coverage.

#8 - Commercial Umbrella

#9 - Business Auto

#10 - Workers Compensation

​Employee or Independent Contractor 
Classifying a worker as either an “employee” or “independent contractor” is problematic for more than just workers’ compensation. In an attempt to minimize the problems and confusion, the Department of Labor has proposed the codification of five tests to help in classifying a particular worker as an employee or independent contractor. Although not necessarily developed for the insurance industry, these tests can be used for workers’ compensation clients.

#11 - Surety Bond Requirements

#12 - Builders Risk
Quick Warning for Contractor Risks!
Warning! Warning!
Many commercial contractors have a residential exclusion endorsement attached to their commercial general liability (CGL) policy. If such an endorsement is attached, the contractor has no liability coverage for any work done on residential properties.
Query your commercial construction contractors regarding any work on the residential side. Remind them of the exclusion; and if possible, have the exclusion removed if the insured is performing residential work. Read the article

Picture
​Certificate of Liability Insurance: What It Is & How to Request One

Tutorial en español

Picture
Picture

Is Additional Insured Status Just A Technicality?
An insurer denied coverage for a contractor. The carrier held that the contractor was not owed coverage as it was not explicitly shown under a written agreement to be an additional insured. The contractor, seeking reimbursement after being sued by a city for negligent work, sued the insurer for recovery.
Click here to see whether the courts agreed that the contractor was eligible for coverage.

​​Examining A Risk In More Detail
Another important reason is to gain enough knowledge to decide where the broader risk is still acceptable. Asking the right questions of a prospect or current client is a critical way to be aware of the total exposure presented by its operations. Ignorance of what risks are created by a client’s work is not a shield against legal responsibility for injury or damage caused to others. So, ask plenty of questions.
Click here to see how a questionnaire permits exploration for information that helps identify contractual risks that may need to be addressed. It’s from the Risk Survey – Commercial.
​Academy Skills Test
Welcome to the Academy of Insurance Skills Test. These exams were designed to help you pinpoint areas of interest for possible training opportunities.
Each of these skills tests is designed to be completed in two hours.


Commercial Property
Take the Skills Test
This skills test focuses on commercial property topics, including;
  • Commercial Property Policy Provisions
  • CPP Coverage Limits
  • CPP Causes of Loss
  • CPP Definitions
  • Business Income / Extra Expense (Including Endorsements)
  • Ordinance or Law Endorsement
  • Utility Service (CP 04 17) Endorsement
  • Spoilage Coverage (CP 04 40) Endorsement
  • Leasehold Interest Coverage
  • CPP General Endorsements

Commercial General Liability
Take the Skills Test
This skills test focuses on commercial general liability topics, including;
  • CGL Definitions
  • CGL Coverage Trigger
  • CGL Exclusions & Exceptions
  • CGL "Insured" Status
  • CGL Coverage Limits
  • CGL Endorsements
  • Business Auto Coverage (BAC) Symbols
  • BAC Insured Vehicles
  • BAC Insured Status
  • BAC Coverages & Exclusions
  • BAC Valuation
  • BAC Endorsements
  • BAC Rating
​Life says, “make good or make room, but don’t make excuses.”
In today’s management parlance, “Lead , follow, or get out of the way.” When you are actively working toward a goal, there are no failures; there are only degrees of success. Choose to be a leader. Take the initiative. When you are faced with a problem or a difficult decision, don’t waste endless hours agonizing over the solution. If you analyze the situation objectively, you will always find an answer. Don’t focus on the problem; focus on the solution. Then get into action. As W. Clement Stone has often said, “The emotions are not always subject to reason, but they are always subject to action!”
​The quality and quantity of the service you render, plus the attitude with which you render it, determine the amount of pay you get and the sort of job you hold.
The people who are promoted to the best positions in the company are those who make it a practice to go the extra mile, to do more than they are paid to do, and to do it willingly and cheerfully. You take the first important step toward determining your own future when you make the conscious decision to approach every task with a positive outlook and to stick with the job until it is done. If you find this attitude difficult at first, you’ll discover it eventually becomes part of you. And after you begin to realize the benefits that accrue to you because you are known as someone who always gives a little extra, you wouldn’t consider doing things any other way.
​Money is either a good or bad influence, according to the character of the person who possesses it.
It’s true. Money has no character, no personality, no values. Its actions only reflect the desires of its owner. Money can build great hospitals and schools, or it can be gambled away or squandered on meaningless possessions. Money may build museums to house beautiful works of art, it may construct beautiful houses of worship — or it may be used to create instruments of war and destruction. As you build your personal wealth, make sure you build your character by setting aside a portion of your income to help others. Choose a church, a charity, or a cause that you can enthusiastically support. Then give of your money and your time in support of that cause. The primary beneficiary of such noble actions is always the one who gives, not the one who receives.
​Keep your mind fixed on what you want in life, not on what you don’t want.
We have just begun to explore the inner workings of the mind, but we have long been aware of the effects of our thoughts. When you focus on not missing the target instead of on hitting the bull’s-eye, the results are often disastrous, for it is impossible to think negative thoughts in a positive way. Ask any golfer who has tried not to miss a putt or a bowler who has struggled not to miss a strike. Make sure your goals are specific and precise. “Making a lot of money” or “earning regular promotions” are wishes, not goals. State exactly how much money you expect to earn and when, and the specific promotion you want, how you plan to earn it, and when you expect to do so. As Carlson Companies chairman Curt Carlson once noted, “Obstacles are those frightening things you see when you take your eye off the target.”
Picture

Got Questions?
​I got answers!

powered by
Three Bulls' Heads
Eddie K. Emmett 
200 Russell Court
​Canton, GA 30115
Privacy Policy
Picture
eddie@fyiexpress.com
(770) 312-2342 (Text)
​I'll call you back!

Accessibility Statement
Picture