Insurance Markets for Your Clients

  • NEW CE Class: Agency Management Tips and Tech Tools

    Mar 05, 2020
    Starting this Spring, IIAT's agency management expert Angela Ford will be sharing her expertise in a new CE class called Agency Management Tips and Tech Tools.

    During the six-hour class, Angela will discuss common agency service procedures and best practices to keep your agency running smoothly. She'll also review potential E&O challenges and address strategies to mitigate E&O risks. The session will explore common operational blind spots that can lead to an E&O claim, but is not intended to be an in-depth review of all the information examined in an E&O audit. The class is approved for six CE credits.

    Register for an Agency Management Tips and Tech Tools class coming to a city near you, or request it for custom training at your office.
  • Free Webinar: Cyber Security Best Practices

    Mar 05, 2020

    Did you know IIAT Advantage partner Wingman Insurance has a suite of tools to help you sell cyber insurance? Wingman has developed the 6 best practices all agencies should deploy to be more effective in combating the growing cyber risk to your clients. Learn more about Wingman Cyber Liability.

    Join us on Thu., March 19, 10 - 10:30 a.m., to learn about these best practices, essential resources, and how you can leverage your relationship with Wingman to grow your book of business and better serve your client's needs.

    Register for the free webinar.


  • Texas Mutual’s Microlearning Tool Offers Quick and Convenient Worker’s’ Compensation Training for Agents

    Mar 05, 2020

    You can count on IIAT’s strategic partner, Texas Mutual, for training and educational resources to help you serve your workers’ compensation clients. Texas Mutual’s new microlearning video lessons offer focused, bite-sized learning at your fingertips. Unlike webinars, microlearning is targeted learning under 10 minutes that allows users to progress at their own pace and re-visit the video lesson at any time. The benefits of microlearning include better engagement, retention and on-the-job application.

    Microlearning topics that are currently available include:

    • Executive officers
    • Other states coverage
    • General inclusions and exclusions
    • How to fill out an ERM-14 form
    • Commonly used forms and endorsements

    Whether you want to brush up on your workers' compensation knowledge or learn more about workplace safety, Texas Mutual has you covered.

    Explore microlearning. 

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  • Big ‘I’ Virtual University Announces Monthly Cram Sessions

    Feb 19, 2020

    The Big “I" Virtual University (VU) is hosting online VU Cram Sessions, to take place every month in 2020.

    On Tuesday, Feb. 18 and Wednesday, Feb 19, your members can take up to five online classes in just one day. Classes include:

    Register for one, two, three or more classes—there's something for everyone in every agency, including our always popular, almost-annual certificates of insurance webinar.

    Need continuing education (CE) credits? Earn up to nine property-casualty CE credits in just one day and up to 17 in the same week. Note that CE approval varies by state. Make sure attendees check each webinar to confirm if their state has approved the course for CE.

    VU webinars fit just about any schedule. With a robust offering of more than 190 live online classes and start times as early as 8 a.m. ET and as late as 5 p.m. ET, we're making it easy for you to attend VU online classes this year.


  • Fox News Anchor to Speak at 2020 Legislative Conference

    Feb 19, 2020

    Fox News anchor Bill Hemmer has been confirmed as the Friday morning general session speaker at the 2020 Legislative Conference. Hemmer will chat with Big “I" president & CEO Bob Rusbuldt on Friday, May 15 about small business news, the latest headlines, election politics and his perspectives from his anchor chair.

    Hemmer joined Fox News in 2005, and previously worked at CNN. Starting in January, he began hosting “Bill Hemmer Reports," afternoons on Fox. He formerly co-anchored “America's Newsroom" on weekday mornings. Hemmer has covered breaking news for Fox all over the world, including some of the biggest headlines of the last decade. 

    Online registration is open for the Big “I" Legislative Conference, to take place May 13-15 at the Hyatt Regency Washington on Capitol Hill in Washington, D.C. Early-bird registration pricing ends Friday, March 6. Hotel accommodations always sell out fast, so don't delay in making guest room reservations.

  • Register for the Next Mornings with Marit Monthly Webinar

    Feb 18, 2020
    IIAT is excited to announce Mornings with Marit, a free monthly webinar and podcast series200x200px Mornings with Marit RGB hosted by IIAT President & Executive Director Marit Peters. During each 33-minute episode, Marit will share leadership insights to help you hone your strategic leadership skills, build and mentor a high-performing team, improve your personal and team productivity, adapt in the face of constant change, and much more. Get more details.

    A new episode of Mornings with Marit airs live every second Thursday of the month at 10 a.m. Register for the next episode!

    Episode 2: Multiplication by Subtraction

    When: Thursday, March 12th | 10 - 10:33 a.m.
    Join this webinar to explore creative ways to apply the 80/20 rule. Where are you getting the most results with your time, your staff, or your clients? Where are you wasting resources that prevent you and your organization from being productive, profitable and energized?  Let’s take some time to consider ways to make a substantial difference in your energy and results in 2020. 

    Don't miss an episode. 
    Sign-up to get notified about future episodes and go to to access past episodes.

    Join the conversation on Facebook.
    Join the Mornings with Marit Facebook Group.
  • Don't Be a Babysitter

    Feb 06, 2020
    By Richard F. Lund, J.D.,
    VP, Sr. Underwriter, Swiss Re Corporate Solutions

    I recently received a question from a Swiss Re Corporate Solutions/Westport Insurance Corporation policy holder: "Are there any real-world claim examples of agents being held liable when they establish a habit of contacting clients when a Notice of Cancellation (NOC) is issued on a direct bill policy; but then they forget and the policy gets cancelled, and the client has a claim, aka babysitting.

    Such claims have been happening for at least the 27 years I have been with the firm although we have advised agencies not do so. I can safely say that this subject comes up at virtually every E&O risk management course I have ever taught or attended, and I regularly saw this type of claim when I was in the claims department. Just to be current, I contacted our claims department team leaders and within 5 minutes Jim Redeker found two recent examples where we paid substantial losses. Both were carrier direct bill policies.

    Jim's initial response was this:

    "Every time a policy cancels for nonpayment of premium and there is a loss, the argument is made that the agent should have done something. In most cases we simply state that the customer received the same notices that our insured received, and our insured has no duty to notify its customer of an impending policy cancellation. We have trouble when the agent failed to notify the customer that the policy was about to be cancelled for nonpayment of premium after the agent has made a practice of providing such notifications in the past. At that point the agency customer has an argument that they relied on our insured to notify them when their premium was due."

    In most cases the agent never had a legal duty to contact the customer, but because they had created an expectation that they would do so, the duty was now in place. And because of that, if they failed to do so they had breached their duty to the customer. If a loss occurred the agent could be held liable.

    Example 1: "The customer alleged that on May 25 the agency mailed notice of policy expiration to the wrong address and unbeknownst to the customer the policy was cancelled. The customer alleged that no one at the agency contacted them to advise the policy would be cancelled.

    The Agency would mail cancellation notices to customer who would then pay. They would wait for the notice from the agency disregarding the notice mailed to them by the carrier. In this case, the agency mailed the cancellation notice to the wrong address, so the customer never paid the bill. There was then a claim made by the customer on the cancelled policy that was denied by the carrier. $101,242 loss paid by Swiss Re Corporate Solutions/Westport on behalf of the insured."

    Example 2: "Mr. (Customer) is claiming that the agency developed a practice and procedure of personally collecting premium payments from Mr. (Customer) but failed to do so in this instance. The agency had a change in staff and was not aware of the previous practice, so the payment was not collected from the customer. The policy cancelled and there was a loss. The carrier denied coverage as the policy had rightfully been cancelled due to non-payment of premium. We paid a total of $204,837 on a death claim for a cancelled auto policy."

    These are just two of many examples where an agency developed a duty that they would not otherwise have resulting in substantial claim against the agency. The lesson for you as young agents (and not so young gents as well,) is simple: on direct bill policies where a Notice of Cancellation has been sent to the customer, DO NOT babysit your customers to make sure they pay the bill on time. HOWEVER, you should contact them immediately after the date of cancellation to see if they want you to try to obtain a new policy.

    Helpful Resources
    The experts on the IIAT Advantage E&O staff can answer all your E&O questions. Give them a call at 800.880.7428. As a member of the Big "I" and IIAT, you have access to the "Virtual University" resourcves.  Below are just a few of the resources available to you that address the issues discussed in this article.

    NOTE: You must use your Big "I" log-in, not your IIAT one, to view these resources. Don't know your log-in/password? Retrieve it here.


    This article is intended to be used for general informational purposes only and is not to be relied upon or used for any particular purpose. Swiss Re shall not be held responsible in any way for, and specifically disclaims any liability arising out of or in any way connected to, reliance on or use of any of the information contained or referenced in this article. The information contained or referenced in this article is not intended to constitute and should not be considered legal, accounting or professional advice, nor shall it serve as a substitute for the recipient obtaining such advice. The views expressed in this article do not necessarily represent the views of the Swiss Re Group ("Swiss Re") and/or its subsidiaries and/or management and/or shareholders. *Richard F. Lund, JD, is a Vice President and Senior Underwriter of Swiss Re Corporate Solutions, underwriting insurance agents errors and omissions coverage. He has also been an insurance agents E&O claims counsel and has written and presented numerous E&O risk management/ loss control seminars, mock trials and articles nationwide since 1992. 
  • Congrats to the Class of 2019 opX Graduates

    Feb 05, 2020

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    Congratulations to the 2019 opX graduates! The class of 12 agents was honored on Monday, Jan. 27, at the Joe Vincent Management Seminar. Now in its third year, the opX Master Agency is a comprehensive professional and leadership development certification program that introduces innovative tools and strategies to build your business and enhance team productivity. The program is comprised of a blend of group sessions and activities, as well as individualized executive coaching and staff workshops. 

    Congrats to the 2019 graduates!

    • Jacob Eisenrich, Weatherby-Eisenrich
    • Eric Bua, Weatherby-Eisenrich
    • Ashley Cordle, Elliott Insurance
    • Sonya Edwards, Bryan Insurance Agency
    • Kyle Beggs, RCI Insurance
    • Lindsey Mitschke, The Nitsche Group
    • Brian Archer, Southern Quality Insurance Group
    • Chris Campbell, Ag-Pro Insurance Services, LLC
    • Mike Karageorge, SWBC Insurance Services, Inc.
    • Cari Senefsky, IIAT Insurance Agency
    • Mark Bridges, INSURICA
    • Dana Mickey, Frost Insurance Agency, Inc.
                Sponsored by

    Interested in opX? The next session starts Feb. 17, 2020.
    Get more info.

    “OPx has been transformational for our organization by helping us ensure each team member is in the right role and by teaching us to intentionally build our culture. We now have the best team we've had in years, and each person is functioning in their sweet spot. Consequently, we're achieving our goals more effectively and with greater ease. Marit and the OPx curriculum has been a catalyst moving us toward a brighter future.”

    Jacob Eisenrich, MD
    Vice President | Weatherby-Eisenrich, Inc. 

    opx 2019 grads

  • How to Get Started with Workers' Comp and What You Can Expect

    Jan 31, 2020

    When a workplace injury occurs, workers' compensation coverage ensures that your client's business and their employees are protected. There are many benefits that come with workers' comp coverage so it's important as an agent to know how to answer your client's most common questions about what they can expect.

    • How much does a workers' comp insurance policy cost?
    • How do I buy workers' comp?
    • What should I look for when I'm buying workers' comp?
    • How does it work?
    • What are the benefits of choosing Texas Mutual?

    To help you get started, this article covers the cost of workers’ comp, how you can purchase coverage and what you can expect with Texas Mutual.

      This is the second article in Texas Mutual's workers’ comp basics series. Read part one to learn what every business should know about workers’ comp

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    • Ask Regina: I have been told by an attorney that Uninsured Motorist selection forms are not required in Texas. Is that true?

      Jan 21, 2020

      A. In Texas, Uninsured Motorists coverage must be provided on every policy unless the insured rejects it in writing. The rejection applies to all subsequent renewals with the same company. The code also says that limits must be offered in amounts desired by the insured but not greater than the Bodily injury and Property Damage limits on the policy. The attorney is technically correct – the company only has the obligation to get a written rejection signed, not a selection form. Most carriers require a signed selection form because without one they have no documentation proving the insured wanted limits less than the full UM limits.  

    EO 2018- We got your back_180x150 Texas Agent