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
  • ​What Can an Unlicensed Employee Discuss with Clients? 
  • New Agency Owner Sues Carrier After Not Making Expected Income 
  • AGENT SUES CARRIER AFTER TERMINATION RELATED TO HEALTH PROBLEMS 
  • Agency Sued Over Delayed Claim Investigation 
  • Insurance Applications: Ambiguities and Lies 
  • AGENCY SUED OVER POLICY’S MINIMUM EARNED PREMIUM
  • CAPTIVE AGENCY LOSES TERMINATION PAYMENTS DUE TO RELATIONSHIP WITH INDEPENDENT AGENCY
​Most Popular Insurance Agency Lawsuit Articles
  • Carrier Sues Agency and Wins a $1.25M Settlement
  • Court Rules That a 1099 Insurance Agent is an Employee
  • Agency That Helped Client Save Money on Renewal Now Must Pay Client 2.2M
  • Producer Sued for Violating Non-Compete and Non-Disclosure Agreements
  • Non-Compete Agreement Tested in Court After Carrier Sues Captive Agent
  • Client Sues Agency Due To His Own Mistakes
  • Agents Sued For Placing Business in Surplus Lines
  • Carrier Sues Agency for 2.2M Due to an Undisclosed Driver’s Tragic Accident
  • Captive Agency Sues Carrier Over Breach of Contract
  • Agency Sues Carrier Over Termination and Ownership of Expirations
Most Popular Agency Management Articles
  • Will this Lawsuit be the End of Captive Agencies?
  • Can a Captive Agency Also Own an Independent Agency?
  • When It’s Appropriate and Legal To Charge Agency Fees
  • How Strong are Independent Agencies in the Current and Future Marketplace?
  • Insurance Agency Acquisition Contracts: Important Provisions To Include for Buyers and Sellers
  • Transferring the Assets of an Insurance Agency After an Acquisition
  • Guide to Selecting An Insurance Agency Network
  • Independent Agencies Are Increasing Their Market Share, Here Are The Details
  • Carriers are Getting Strict with Loss Ratios, Here is What to Know
  • Modern Insurance Agency Management Systems That Give Significantly More Value

Here comes the Judge

Here comes the Judge

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  • POLICYHOLDER WITHOUT BUSINESS INCOME COVERAGE TAKES INSURANCE AGENCY TO COURT
  • ​​TENANT OCCUPIED HOME WITH HOMEOWNERS INSURANCE
  • POLICY LANGUAGE FAILED TO PROTECT AGENCY IN COURT
  • ​LAWSUIT & APPEAL LEAVES AGENCY DEFENDING SIGNIFICANTLY UNDERINSURED DWELLING
  • ​AGENCY THAT DID NOT FOLLOW UP ON INSPECTION GETS SUED
  • ​AGENCIES LOSES LAWSUIT DUE TO LACK OF BUILDING ORDINANCE COVERAGE
  • ​AGENCY E&O: CERTIFICATE OF INSURANCE WITHOUT AN ACTUAL POLICY
  • ​AGENCY LAWSUIT: NEWLY PURCHASED VEHICLE WAS NEVER ADDED
  • ​POLICYHOLDER SUES AGENCY OVER UNCOVERED FIRE SPRINKLER LOSS
  • AGENCY SUED OVER NAMED ENTITY EXCLUSION​
  • Mortgagee Has Unusual Homeowners Request, Then Sues Agency
  • Agency Sued For Underinsuring a Classic Car by 70K
  • ​AGENCY THAT WAS DECLARED TO HAVE “EXPERT STATUS” LOSES IN COURT
  • ​CARRIER SUES AGENCY OVER RECORDKEEPING
  • ​INSURED SUES AGENCY & CARRIER OVER DENIED CLAIM
  • ​LAW FIRM SUES AGENCY FOR UNDERINSURED CLAIM
  • Agency Sued Over Uninsured Aircraft Damage
  • ​AGENTS SUED BY WIDOW OVER INSUFFICIENT LIMITS
  • ​AGENT SUED BY OWN FAMILY WHO DECLINED WC COVERAGE
  • AGENCY SUED WHEN JURY AWARDS 2.3M & FAILED TO NOTIFY EXCESS CARRIER
  • ​AGENCY SUED PRODUCER WHO VIOLATED TRADE SECRETS CLAUSE
  • ​AGENCY SUED BY LAW FIRM FOR COVID BUSINESS INCOME COVERAGE
  • ​INDEPENDENT AGENT SUED FOR VIOLATING HIS CAPTIVE AGENCY CONTRACT
  • ​AGENCY LAWSUIT: AGENT WITHDREW MARKET WITH BETTER COVERAGE
  • ​AGENCY SUED OVER MISLEADING CERTIFICATE OF INSURANCE
  • ​E&S BROKER SUED FOR MISREPRESENTING THEIR BINDING AUTHORITY
  • ​AGENCY SUED FOR GOING BY THE BOOK & NOT REDUCING REPLACEMENT COST
  • ​AGENCY WINS NON-COMPETE LAWSUIT
  • ​CLIENT WHO ASKED FOR POLLUTION COVERAGE SUES AGENCY
  • ​HOMEOWNERS POLICY DID NOT PROVIDE COVERAGE DUE TO MISREPRESENTATION
  • ​AGENCY LOSES LAWSUIT OVER ITS NON-COMPETE AGREEMENT
  • ​AGENT SUED OVER MISINFORMATION ABOUT HAIL DEDUCTIBLE
  • Misrepresentation on Application voided Policy Coverages, Results in Court Battle
  • CARRIER SUES BOTH AGENCY & THEIR AGENCY NETWORK 
  • ​MISREPRESENTATIONS ON APPLICATION RESULTS IN INSURED SUING AGENT
  • ​PRINCIPAL WHO SOLD AGENCY SUED OVER NON-COMPETE
  • ​
BUSINESS AUTO NOT CONSIDERED REGULAR USE
Usually there is a sharp line between personal driving situations and those that qualify as commercial activities. A given vehicle use should be accompanied by the proper type and level of protection. Vehicle accidents are often traumatic, especially if they involve serious injury or, even, death. After an accident occurs, some calm should be introduced along the lines of having confidence in how insurance can assist with handling the financial consequences. Unfortunately, stumbling blocks can appear. In fact, it is often a loss that reveals problems which should never have existed. The ownership, operation and coverage should align so that, when needed, protection applies quickly and fully.
Click here. It takes you to a case where the vehicle’s use created confusion over who and how a serious loss was covered. The court had its say over the insurer’s reasoning for denying protection.
​Control your own mind, and you may never be controlled by the mind of another.
The mind is the most powerful weapon known to man. It simply cannot be controlled or contained by an outside force, however formidable that force may at first appear. Throughout history, tyrants have tried to control those who opposed them, but eventually these rulers discovered the power of the imagination was far greater than the threat of the sword. As Victor Hugo said, “An invasion of armies can be resisted, but not an idea whose time has come.”
​Every time you influence another person to do a better job, you benefit that person and you increase your own value.
Someone once said that no one can really motivate anyone else; all we can do is motivate ourselves and hope it catches on. You will probably never know how much you influence others with your behavior. When you always go the extra mile, you will influence those in your circle of friends and acquaintances, your family, your co-workers, and even your bosses to do more and better than they have done before. Your value to yourself and others is greatly enhanced by your ability to influence others to be happier, more productive people. There are no salary caps or career limits for those who lead others to great heights of success. Such people are simply too valuable.
​Falsehood does evermore have a way of publishing itself.
It is virtually impossible to conceal the truth forever. It is the natural order of things that the truth will eventually come out. This single fact is the foundation of our judicial system and the basis on which all human relationships are formed. A business, professional, or personal relationship built upon a lie cannot long endure, but one that is founded on truth and equality of benefit for the participants is unlimited. Make it a practice to tell the truth in all that you do — even when it doesn’t matter — and you will form a habit of truthfulness. You will know instinctively that it is better to tell the truth and face the consequences than to launch a falsehood that will eventually make itself known to the world.
https://www.agencyequity.com/eo-cases
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Attention: Georgia Agents! 24 hours CE for $24 or join GIAA for $99 per year and it's free for all agency staff!​
​Have you enjoyed at least 24 hours of Edu-Tainment?
If yes, you are welcome to take the Final Exam 
Otherwise, continue to Lesson #14: Agency Management
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​Canton, GA 30115
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