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"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. 
#1 - Risk Overview#2 - General Information
#3 - Business Personal Auto
#4 - Inland Marine#5 - Employee Dishonesty
#6 - General Liability
#7 - Contractual Exposures
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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 
Tutorial en español
Is Additional Insured Status Just A Technicality?
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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!”
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.
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.
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.”
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.”
