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Insurance and Risk Management Opportunities for Gen Z
Helpful Tips: For Training
Introduction to Insurance and Risk Management The risk & insurance sector presents unprecedented career opportunities for Generation Z professionals entering today’s dynamic business environment. As organizations face increasingly complex challenges—from cyber threats to climate-related perils—demand for skilled professionals continues to accelerate across industries. Gen Z professionals, equipped with digital fluency and fresh perspectives, are uniquely […]
What is the CIC Designation?
Agency Staff Articles, Helpful Tips: For Training
Introduction to the CIC Designation The Certified Insurance Counselor (CIC) designation, also called the CIC insurance certification, is a well-regarded professional certification in insurance created for insurance professionals (insurance agents) who want to broaden their expertise. Earning the CIC designation demonstrates a strong commitment to continuous professional growth within the insurance industry. History and Evolution […]
QCLS Designation: What Insurance Professionals Need to Know
Helpful Tips: For Training
Why the QCLS Designation Stands Out in Commercial Insurance The insurance world is packed with professional certifications. Frankly, it can feel overwhelming trying to figure out which ones are worth your time and money. That’s where the QCLS designation comes in—it’s a specialized credential that proves you know your stuff when it comes to commercial […]
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 […]
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; […]