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Your Complete Guide to Cyber Insurance Designations
Helpful Tips: For Employees
What Are Cyber Insurance Designations? The cyber insurance industry moves fast – sometimes too fast for comfort. One day, you’re dealing with basic data breaches; the next, you’re trying to explain why a ransomware attack isn’t covered under a standard policy. That’s where these insurance designations come in handy. Think of a cyber insurance designation […]
Your Complete Guide to the CRIS Designation (Construction Risk and Insurance Specialist)
Helpful Tips: For Employees, Helpful Tips: For Training
Getting Started – CRIS Designation The Construction Risk and Insurance Specialist (CRIS) designation from the International Risk Management Institute (IRMI) gives insurance professionals specialized skills for handling construction-related risks. Many people wonder, “Is the CRIS designation worth pursuing?” and “What exactly does the IRMI CRIS designation involve?” This guide breaks down the practical benefits and […]
Incurred Losses Explained: Understanding Insurance Claims
Coverage Article, Helpful Tips: For Employees, Helpful Tips: For Training
Why Incurred Losses Matter and How to Explain It to Your Client When discussing insurance financials with clients, few concepts create more confusion than incurred losses. Many policyholders assume their premiums directly correlate to claims paid out, missing the complex financial picture that incurred losses reveal. Understanding this concept becomes critical for both insurance professionals […]
Building a Career as a Health Insurance Specialist at an Agency: Steps Beyond Licensing
Helpful Tips: For Employees, Helpful Tips: For Training
Getting Started in a Career as a Health Insurance Specialist Achieving your health insurance certificate is an essential foundation for a career as a health insurance specialist within an agency. However, genuine growth and professional success depend on continued learning, hands-on experience, and specialized training. This comprehensive guide will explore how to become a health […]
Insurance Exposure Simplified: Essential Risk Management for Insurance Professionals
Coverage Article, Helpful Tips: For Training
Understanding Risk Exposure in the Insurance Context Definition of Exposure vs Risk In the insurance industry, professionals must understand the distinction between exposure and risk. The insurance exposure definition describes being vulnerable to potential losses, whereas “risk” refers to the likelihood of those losses occurring. Think of it this way: what is exposure in insurance […]
Understanding Strict Liability Insurance: Essential Coverage Guide
Agency Owner Articles
Understanding Strict Liability Insurance Gaps Complex liability insurance landscapes present unique challenges, but strict liability coverage stands apart as specialized protection for businesses facing heightened exposure to no-fault claims. Understanding what strict liability means in legal and insurance contexts is essential for risk management professionals. Unlike traditional liability policies requiring proof of negligence, strict liability […]
Unpacking Coverage E in Homeowners Insurance: What Agents Need to Know
Coverage Article, Helpful Tips: For Employees
Understanding Strict Liability Insurance: Essential Coverage Guide Coverage “E” Personal Liability Coverage, is a critical component of home insurance liability coverage. This personal liability insurance offers financial protection to homeowners if they’re legally responsible for bodily injury or property damage to others. Unlike coverage for property damage, which targets only the homeowner’s property, Coverage E […]
WCIRB Class Codes: How Brokers Can Avoid These Common Mistakes
Agency Owner Articles
Introduction to WCIRB Class Codes WCIRB class codes impact every facet of workers’ compensation insurance in California. With roughly 700 industry classifications in the Standard Classification System, these numerical identifiers directly affect how much businesses pay for coverage. Each workers compensation code expresses rates per $100 in payroll, reflecting the expected losses for specific work […]
Aleatory Insurance Definition: Understanding the Legal Foundation of Insurance Contracts
Agency Owner Articles
Introduction to Aleatory Insurance Most of us will sign insurance agreements several times throughout our lives. Yet beneath what seems like a simple exchange of premium payments for protection lies a complex legal framework built on a fundamental concept: the aleatory contract. The aleatory contract insurance definition refers to a specific type of legal agreement […]
How to Grow an Insurance Agency (From Agency Owners Who Did it)
Agency Owner Articles
Introduction to Growing an Insurance Agency Many agency owners share a common challenge—they want to grow insurance and expand their insurance agency business but often feel overwhelmed by all the growth tactics out there. Learning how to run an insurance agency and how to start your own insurance agency isn’t just about finding new leads; […]