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    • #1: Georgia DOI
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    • #3: Auto Insurance
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The History of Drive-Thru Restaurants
Ignore the Bank, Go With Replacement Cost 
Everyday agents are asked, well required, by banks to provide Coverage A limits in excess of the developed replacement cost. Why are such requests made? So that Coverage A limits match the loan requirements of course. Mortgagees tend to forget that the loan buys more than just the structure; it includes the land and location, location, location. The buyer/mortgagor is paying for the view and access to the office and shopping in addition to the house. The insurance policy only pays to replace the house.
When Insurance Strikes (Out): Underestimating Replacement Cost
Underinsurance is still a problem. According to CoreLogic approximately 60 percent of homes are underinsured by 20 percent on average. Obviously, this leads to devastating results for the insured, and possibly the agent from an E&O perspective. We know this in the industry, but now the NY Times is reporting it – and they are making serious charges.
Small Business Insurance Basics
Does My Business Need Flood Insurance?
Food Service Businesses

11 things you need to do to prepare for a windstorm

While property damage and business interruption may be covered by your insurance policy, the loss of market share and a damaged reputation can cripple a company. …Read more

Commercial Property & Casualty Quiz
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​Three Ways Your Clients Increase Their Own Property Premiums
Bad decisions cause commercial property clients to pay higher property premiums. Sadly, the insured may not even recognize their poor choices. Worse still, agents can help clients identify their bad decisions with the right information.
​Small Business Insurance Basics
Insuring Your Home-Based Business Article
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Small Business Insurance Basics
​Finding Coverage that Matches Your Business Size
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Small Business Insurance Basics
Does My Business Need Flood Insurance?

Home-Based Businesses
​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
​Small Business Insurance Basics
  • Insuring Your Home-Based Business Article
  • Does My Business Need Terrorism Insurance?
  • Finding the Right Insurance Professional for Your Business
  • Filing a Business Insurance Claim
  • Steps to Reduce Your Vulnerability to Theft 
  • Commercial General Liability Insurance
  • Professional Liability Insurance
  • Insuring Against the Loss of Key Personnel
  • Directors and Officers Insurance
  • Cyber Liability Risks
  • Artisan Contractors
  • Construction Contractors
  • Internet Businesses
  • Business Offices
  • Employment Practices Liability Insurance
  • Covering Losses with Business Interruption Insurance​       
Insurance Coverage en Español
http://www.iii.org/es/insurance-topics/all-coverage-en-espanol
​You can’t control others’ acts, but you can control your reaction to their acts, and that is what counts most to you.
No one can make you feel any negative emotion — fear, anger, or inferiority — without your express permission. There will always be people who find perverse enjoyment in upsetting others, or who simply play upon your emotions so that they can use you for their own selfish purposes. Whether or not they are successful depends entirely upon you and how you react to their negative behaviors. When you are forced to deal with such people, recognize from the outset that they are trying to upset you, not because of something you may have done to them, but because of some problem they have with themselves. Tell yourself, “This isn’t about me. I will not allow this person to upset me. I am in control of my emotions and my life.”  ​
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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, click here to continue to next lessons
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Got Questions?
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Eddie K. Emmett 
200 Russell Court
​Canton, GA 30115
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eddie@fyiexpress.com
(770) 312-2342 (Text)
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