Breaking News: Federal Appeals Court Upholds Individual Health Insurance Mandate

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June 29, 2011 Breaking News Alert Federal Appeals Court Upholds Individual Health Insurance Mandate Read the full story A U.S. appeals court on Wednesday upheld President Barack Obama's landmark healthcare law that requires Americans to buy insurance as constitutional, a victory for the White House. The U.S. Court of Appeals for the 6th Circuit, based in Cincinnati, said the "minimum coverage provision is a valid exercise of legislative power by Congress under the Commerce Clause" of the U.S. Constitution. Read the full story Send to a Friend Subscribe | Unsubscribe | Send to a Friend | Contact Us Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2011 by Wells Publishing, Inc.

Are you a Workers' Comp Expert?

Don't forget, this week is the last chance this year to get the
full Workers' Comp training series from Academy of Insurance!

You'll have anytime, on-demand access to all five training
modules. Download them and take them on the go, or watch
them online.

The course is instructed by Chris Boggs, author of
"The Insurance Professional's Practical Guide to
Workers' Compensation".

Here's the overview of the 5-part series so you can see
what's covered.

If you have any questions, please email webcasts@insurancejournal.com
and I'll get back to you with an answer.

ps: Order this week and email me your receipt and I'll send you
a digital copy of Chris' book The Insurance Professional's
Practical Guide to Workers' Compensation (a $50 value).

Thank you,
Barbara

Insurance Journal Academy of Insurance
Online Training Coordinator
http://www.IJAcademy.com

If you no longer want Academy of Insurance updates, unsubscribe here.

Leadership is not for Sissies

Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Leadership Land Mines and How to Avoid Them Tools & Strategies You Can Implement Immediately Some people seem as though they were born with many of the qualities required to be a good leader; but the reality is that most of us need to work at being a good leader by continually developing our skills. As a natural part of our growth and development process, we are bound to make mistakes; and even the most seasoned leader can sabotage their success by losing focus and stepping on a destructive "land mine." Mistakes can certainly be detrimental to your success; and some mistakes can effectively end your career if you are not careful. In this webinar, we will explore the most common land mines that can undermine your effectiveness as a leader; plus we will provide you with tools and strategies that you can immediately implement to overcome your mistakes and minimize their impact on your team. Click Here to Register What you will learn in this webinar: How to Identify Some of the Most Common Mistakes Leaders Make Strategies to Help Avoid Making Critical Mistakes Specific Steps to Rehabilitate Yourself if a Mistake is Made A Process for Side Stepping Land Mines When you register, you get: Access to the live webinar Video and Audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Wednesday, June 29th for this one-hour training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $129.00, just $89 when you register today! (special pricing expires Tuesday, June 28) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x120. Date: Wednesday, June 29, 2011 Time: 1:30pm EDT / 10:30am PDT Duration: 1 Hour Price: Save $40 until June 28! Register today for just $89! Click Here to Register Instructor: Kathy Ryan President of Pinnacle Coaching Group and expert in effective communication. More Great Training Coming Soon: JUL 13: Five Claims Secrets No Lawyer Wants You to Know - Have you ever wondered how attorneys - who attend exactly none of our industry's plethora of training, continuing education (CE), or designation sessions - have managed to create a massive profit niche out of inserting themselves into insurance claim resolutions? JUL 14: Writing Lawyers' Professional Liability Coverage - In today's competitive and aggressive legal environment, insurance professionals dealing in lawyer's malpractice need to be well versed in the coverage's and products available within the marketplace. JUL 20: Understanding and Explaining Ordinance or Law Coverage - This class details the essential coverage provisions found in the two ordinance or law endorsements and demonstrates how this coverage can save your insureds (and you from an E&O perspective) hundreds of thousands of dollars in out-of-pocket expenses. JUL 26: Producer Performance Development Program (8 Sessions) - This program is designed for newer producers and will re-energize experienced producers who have lost the edge in developing new business. AUG 3: Developing Producer Compensation & Agency Perpetuation Plans - Through this course, agency owners, sales managers, and financial officers will begin to see how vital the concept of compensation analysis is to the success of its company. Send to a Friend | Contact Us | Subscribe | Unubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2011 by Wells Publishing, Inc.

Weekly Reader Picks: Monday, June 27, 2011

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June 27, 2011 Top 10 for the Past Week 1. P/C Insurers' Profits Fell in Q1 as Underwriting Losses Grew Jun 22, 2011 -- Private U.S. property/casualty insurers' net income after taxes dropped to $7.8 billion in first-quarter 2011 from $8.9 billion in first-quarter 2010, with insurers' annualized rate of return on average policyholders' surplus decreasing to 5.6 ... 2. Wave of Lawsuits Hits Calif. Retail Stores Jun 20, 2011 -- Retail store operators may want to sit down for this one -- if they can find a chair. Nearly every national chain is under legal attack in California for failing to provide "suitable seating" for cashiers and other employees who are expected to ... 3. 4 Things Agents Should Do to Avoid E&O Claims Jun 21, 2011 -- After handling insurance coverage claims for years, a distinct pattern has emerged: sometimes the insurance agent gets "caught in the middle" of a dispute between the policy holder and the insured. Often, agents are named in a lawsuit for ... 4. Law Firm Spent $7 Million to Sue Wal-Mart Jun 22, 2011 -- Joseph Sellers is in the hole by about $7 million and does not expect to dig his way out any time soon. As lead counsel to the plaintiffs in the Wal-Mart Stores Inc. employment discrimination lawsuit tossed out by the United States Supreme Court ... 5. Supreme Court Denies Huge Sex Bias Class Action Against Wal-Mart Jun 20, 2011 -- The Supreme Court rejected a mammoth class-action lawsuit charging sex discrimination at Wal-Mart Stores Inc. on Monday in a ruling that could affect major cases in other industries. The justices unanimously overturned a U.S. appeals court ruling ... 6. Even Low Blood Alcohol Level ‘Buzz’ Unsafe for Driving: Study Jun 21, 2011 -- In the United States, the blood-alcohol limit may be 0.08 percent, but no amount of alcohol seems to be safe for driving, according to a University of California, San Diego sociologist. A new study has found that blood-alcohol levels well below the ... 7. Texas Governor Vetoes Texting While Driving Bill Jun 20, 2011 -- Texas Gov. Rick Perry vetoed 23 bills on June 17, including legislation that would have outlawed sending or reading text messages while driving. Lawmakers approved the texting ban last month, but Perry called it an "overreach" and "government ... 8. New York City Fixes Contractor Insurance Rule After Agents Sound Alarm Jun 23, 2011 -- New York insurance agents are welcoming a decision by a New York City government agency that they say will make it easier for contractors to meet the city's insurance requirements. The New York City Department of Buildings said that it will modify ... 9. Chubb Unveils Package Insurance Policy for Apartment, Co-op, Condo Risks Jun 21, 2011 -- A new commercial multi-peril package policy from the Chubb Group of Insurance Cos. will provide apartment building owners and co-op and condominium associations with a package of property, casualty, workers compensation, automobile and umbrella ... 10. How Much Is a Dad Worth? Jun 17, 2011 -- Fathers with day jobs would be paid about $34,000 while stay-at-home dads would earn about $60,000 a year, if being a dad came with a paycheck. No longer just babysitters, modern-day dads are putting in long hours performing various jobs on the home ... Popular Videos Webinars: A Simple Way to Help Educate Your Clients Subscriber Tools Send this to a friend Subscribe Unsubscribe Submit News Contact Us More Newsletters Choose Newsletters Daily Headlines Weekly Reader Picks Magazine Update Insurance Journal TV Classifieds Breaking News MyNewMarkets Daily Claims Daily Enter Your E-mail

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Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Producers, Learn Fresh Ideas to Improve Your Personal and Agency Profitability 8-Session Producer Performance Development and Coaching Program Registrations are now open. Only 20 lucky producers will be able to reserve a seat as this training is made available for the first-time ever thru the Academy of Insurance's online classroom. Polestar's nationally-acclaimed, career-shaping, results-driven program is now part of the Insurance Journal's Academy of Insurance curriculum. Starting July 26, we bring you the ultimate training program for new producers (less than 6 years) who are too busy to take the time necessary to develop their sales skills in a classroom setting. This program serves to lay a solid, value-focused foundation for newer producers and to re-energize more experienced producers who may have become stale in their approach to new business development. These benefits and more are delivered in eight, 90-minute webinar sessions supplemented by producer-initiated one-on-one coaching: Significant and sustainable increases in new business production Improved retention results A steady stream of quality referrals and cross-sell opportunities from existing clients A priority management system that guides producers in getting the right things done Increased agency (and ultimately carrier) profitability Check out everything that's offered now. You'll meet twice per month for a total of eight, 90-minute sessions. (You'll have archive access to recordings you can view anytime so you don't miss anything). Training sessions are supplemented by producer-initiated one-on-one coaching. 8 Online Training Sessions plus one-on-one coaching Starting July 26, 2011 Any Questions? If you need help or would like to submit a question to the instructors before the webcast, send an email to webcasts@insurancejournal.com. Other courses you might like: The Green Risks Series Boot Camp - an educational 4-Part Series about green buildings Starts next week, Wednesday, March 2 How to Develop Program Business Within Your Agency (3-Part Series) Access the recordings and join us live next Thursday Practical Workers' Compensation: What You Need To Know 5-Course Series - now available on-demand for immediate access to full course Unsubscribe | Send to a Friend | Contact Us Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2011 by Wells Publishing, Inc.

Breaking News: P/C Insurers’ Profits Fell in Q1 as Underwriting Losses Grew

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June 22, 2011 Breaking News Alert P/C Insurers' Profits Fell in Q1 as Underwriting Losses Grew Read the full story Private U.S. property/casualty insurers' net income after taxes dropped to $7.8 billion in first-quarter 2011 from $8.9 billion in first-quarter 2010, with insurers' annualized rate of return on average policyholders' surplus decreasing to 5.6 percent from 6.8 percent. Reflecting insurers' $7.8 billion in net income after taxes, policyholders' surplus rose $7.8 billion, or 1.4 percent, to a record $564.7 billion at March 31, 2011, from $556.9 billion at December 31, 2010. Read the full story Send to a Friend Subscribe | Unsubscribe | Send to a Friend | Contact Us Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2011 by Wells Publishing, Inc.

Top-Selling WC Training Series, Last Chance until 2012

Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Academy of Insurance's top-selling Work Comp training is now available on-demand: Practical Workers' Compensation: What You Need To Know Last chance to access this training until 2012! Five-part, on-demand training series. Watch or listen at your convenience. Instructed by Chris Boggs, author of The Insurance Professional's Practical Guide to Workers' Compensation. When are independent contractors considered employees? What injuries are compensable? Should you add another state to the WC policy? Do you understand and can you explain the experience modification worksheet? This five-part series provides you with the answers. Statutes, common law, contracts and the human element all work together or in necessary conflict with each other to allow or push the workers' compensation machine to produce the result it was designed for - a safety net for workers injured on the job. This five-part webinar series provides an in depth study on these "moving parts" that make the workers' compensation policy work. Now available on-demand. Get full, anytime access to all the complete training course. Today's Special Offer This Week Only   What You Get Five training modules (see course outline below) Recordings of the Q&A sessions following each training Anytime access to all five modules Watch or listen as many times as you like Free work comp book PDF download of The Insurance Professional's Practical Guide to Workers' Compensation book by Chris Boggs One of our top-selling courses, at the lowest price ever offered. Last chance to access this training until 2012! Order now so you don't miss this! Regularly priced at $498.00, just $297.00 when you order today (special pricing expires Friday, June 24) Order today and you'll also receive a free download of "Business Income Insurance Demystified" book by Chris Boggs. No Risk, Money Back Guarantee. We know you're going to appreciate the value of the training you receive. It's simple. If you're not completely satisfied with the training, just contact us and we'll promptly issue you a full refund. Our Students Love the Training: "From what I have listened in on - about 3 hours or so is FANTASTIC." "What a wonderful class you just presented. You are a wealth of knowledge, on point, concise and have great examples to share. You made it easy to understand the material. I sincerely enjoyed listening to you and actually feel like I am walking away with the knowledge that I signed up for. I hope to take additional classes from you in the future." Course Overview: You can proceed thru each module at your own pace. Course and Scope Rule Module 1: The Course and Scope Rule and its Gray Areas - Including a Discussion of Compensable Occupational Disease For an injury to be compensable it must "arise out of and be in the course and scope" of the worker's employment. "Course and scope" is not always black and white; there is sometimes a bit of gray area. This session will illuminate some of the gray areas and guide the participant through some interpretations of "course and scope." What is an Employee? Module 2: Employees, Independent Contractors, General Contractors and Contractual Risk Transfer in Work Comp Who qualifies as an "employee?" The answer can depend on statute, contract and the facts surrounding the relationship between the worker and the individual or entity making use of the worker's services. Session 2 dissects employee/employer relationships to avoid surprises following a loss or at audit. Additional States Module 3: When to Add Additional States - Extraterritorial Jurisdiction Problems Potential coverage limit gaps or the complete loss of coverage are possible when employees work in states in which the employer has no specific location. To avoid these gaps or the loss of coverage requires recognition of the problems and knowledge of the available solutions. This session highlights the problems, focuses on the solutions and provides guidelines and rules that should be followed in deciding to name a state. Employers' Liability Module 4: The Surprising Importance of Employers' Liability Protection Employers' Liability protection is often overlooked or just plain ignored by many agents and brokers. The gaps filled by this coverage are too important to act carelessly when planning this protection. This session provides a new appreciation for the importance of employers' liability protection. The Experience Mod Worksheet Module 5: How to Read, Understand and Explain the Experience Modification Worksheet Learn the who, what, when, why and how of experience modification. Who is eligible for or required to have an experience modification factor? What is an experience modification factor and why are they used? And the major question, "How are experience mods calculated?" Meet the Instructor: Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS is the Director of the Academy of Insurance at Insurance Journal. Chris has a unique ability to break things down and make complex insurance issues easy to understand. Chris is the author of four books, • Property and Casualty Insurance Concepts Simplified, • Business Income Insurance Demystified, • The Practical Guide to Workers' Compensation. and • Wow! I Never Knew That! 12 of the Most Misunderstood and Misused P&C Insurance Coverages, Concepts and Exclusions (these books are available here) Last chance to access this training until 2012! Order now so you don't miss this! Regularly priced at $498.00, just $297.00 when you order today (special pricing expires Friday, June 24) Order today and you'll also receive a free download of "Business Income Insurance Demystified" book by Chris Boggs. No Risk, Money Back Guarantee. We know you're going to appreciate the value of the training you receive. It's simple. If you're not completely satisfied with the training, just contact us and we'll promptly issue you a full refund. Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x120. Send to a Friend | Contact Us | Subscribe | Unubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2011 by Wells Publishing, Inc.

Weekly Reader Picks: Monday, June 20, 2011

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June 20, 2011 Top 10 for the Past Week 1. Florida Homeowners to Share $55 Million in Chinese Drywall Settlement Jun 14, 2011 -- Hundreds of Florida homeowners suffering with tainted Chinese drywall will share $55 million in a deal that also accuses a global drywall maker of lying about the product's safety, according to court documents. The settlement will be funded by ... 2. Four Californians Indicted in $17 Million Workers’ Comp Scheme Jun 14, 2011 -- The Orange County, Calif., District Attorney's Office (OCDA) and California Department of Insurance (CDI) announced the indictment of a radiologist, a neurologist, and two co-defendants for a $17 million workers' compensation insurance ... 3. Michigan Insurer Questions FBI Story About Wrecked Ferrari Jun 15, 2011 -- A Michigan insurance company suing to force the federal government to pay $750,000 for wrecking a rare Ferrari in Kentucky questioned whether it was simply an accident. Motors Insurance said its investigation showed the high-performance car was ... 4. Houston Jury Finds for Insurer in $22M Hail Damage Lawsuit Jun 15, 2011 -- A jury in Houston, Texas, has found in favor of a property insurer in a lawsuit brought by a townhouse homeowners association over roof hail damage to 22 buildings. Summer Hill Village Community Association sued Colony Insurance for $22 million for ... 5. St. Paul Fire & Marine Sues Denver Broncos Jun 10, 2011 -- St. Paul Fire & Marine Insurance has filed a lawsuit against the Denver Broncos and nine of its former players, saying its policies only covered claims in New Mexico for a "class of employee that did not include football players." According to ... 6. Commercial Insurance Prices Still Flat But Workers' Comp Moving Up Jun 13, 2011 -- Commercial insurance prices were relatively flat for the ninth consecutive quarter, and new data confirm the deterioration of loss ratios in accident-year 2010. Price reductions continued for commercial property and management liability lines, ... 7. How Much Is a Dad Worth? Jun 17, 2011 -- Fathers with day jobs would be paid about $34,000 while stay-at-home dads would earn about $60,000 a year, if being a dad came with a paycheck. No longer just babysitters, modern-day dads are putting in long hours performing various jobs on the home ... 8. Latest Christchurch Quake Caused Significant New Damage Jun 15, 2011 -- Christchurch, New Zealand, still recovering from two previous earthquakes that struck in September 2010 and February 2011, was shaken by a series of strong tremors on Monday afternoon that caused significant new damage to already weakened buildings. ... 9. Hacking Blitz Drives Cyberinsurance Demand Jun 15, 2011 -- The recent string of sensational hacker attacks is driving companies to seek ''cyberinsurance'' worth hundreds of millions of dollars, even though many policies can still leave them exposed to claims. Companies are having to enhance not just their ... 10. Allstate’s April-May Catastrophe Losses Top $2 Billion Jun 16, 2011 -- Allstate Corp., the largest publicly traded U.S. home and auto insurer, said it lost $2 billion in April and May from severe tornadoes and thunderstorms, nearly equaling its catastrophe losses for all of 2010. The devastating two-month period, taken ... Popular Videos Agency Communications: Secrets to Sending Out Engaging Newsletters Start Small When Embarking on a Social Media Campaign Consolidation Nation Subscriber Tools Send this to a friend Subscribe Unsubscribe Submit News Contact Us More Newsletters Choose Newsletters Daily Headlines Weekly Reader Picks Magazine Update Insurance Journal TV Classifieds Breaking News MyNewMarkets Daily Claims Daily Enter Your E-mail

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Breaking News: $55 Million Chinese Drywall Settlement

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June 14, 2011 Breaking News Alert Florida Homeowners to Share $55 Million in Chinese Drywall Settlement Read the full story Hundreds of Florida homeowners suffering with tainted Chinese drywall will share $55 million in a deal that also accuses a global drywall maker of lying about the product's safety, according to court documents. Read the full story Send to a Friend Subscribe | Unsubscribe | Send to a Friend | Contact Us Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2011 by Wells Publishing, Inc.

Incorrectly Valued Property = Coinsurance Problems

Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. New from Insurance Journal's Academy of Insurance Incorrectly Valued Property = Coinsurance Problems Get All Three of These Popular Training Modules Understanding the Different Property Insurance Valuations $129 How to Explain Coinsurance $129 Differences in Coinsurance for Homeowners and Commercial Property $129  Total Value $387   Today's Price $179  Our Contracts Triple Pack was a smash hit, so now we bring you: The Valuation/Coinsurance Training Triple Pack Get immediate access to three popular training courses! Understanding the Different Property Insurance Valuations - course overview How to Explain Coinsurance - course overview Differences in Coinsurance for Homeowners and Commercial Property - course overview What's included: Access to all three training courses on-demand Watch or listen as many times as you want mp3 audio download of each training session Sign up here for convenient, anytime access to each of these training sessions. This training pack covers topics like: Which property "values" relate to insurance or the application of insurance coverage. The purpose of coinsurance. How to correctly apply the coinsurance formula. Comparison and contrast of commercial property policies and homeowners' forms application of the coinsurance condition. Options available to avoid coinsurance. What property is NOT subject to a coinsurance calculation. Sign up now to get all of this great training available at your convenience. Thank you, Academy of Insurance webcasts@insurancejournal.com www.ijacademy.com Send to a Friend | Contact Us | Subscribe | Unubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2011 by Wells Publishing, Inc.

Do Your Employees' Goals Match Your Goals?

Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. You'll Never Get "There" Without Employee Goals Linking individual goals to the goals of the business is the trick to get better performance out of your company. Learn how and why this Wednesday. Agencies with a formal employee goal setting process followed and enforced by performance review against those goals will outperform those that don't. Plus, linking individual goals to the overall goals of the organization ensures that your employees are invested in the success of the business. Common goals and priorities create a unified effort when it comes to managing performance. Maximum business success requires everyone moving in the same direction. An effective Performance Management Process can help you to do that. In this webinar, we will provide you with an overview of the steps involved in creating and executing a successful Performance Management Process within your organization. Useful strategies and tools will be offered that you can immediately implement to help link the goals of the business to the daily activities and efforts of your team members. Click Here to Register What you will learn in this webinar: The Importance of Tying Individual Goals to the Business Plan How to Write Effective Individual Performance Goals Tips for Conducting an Annual Performance Review The Benefits of Linking Compensation to Performance When you register, you get: Access to the live webinar Video and Audio recordings, so you can watch or listen again Question & Answer session with the instructor Audio download of the webcast Presentation slides download Join us this Wednesday, June 15th for this one-hour training webinar. (PLUS, all registrants will receive video and audio recordings of the webinar, so you can listen/watch again at your convenience.) Space is limited! Click Here to Reserve Your Spot! Regularly priced at $129.00, just $89 when you register today! (special pricing expires Tuesday, June 14) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x120. Date: Wednesday, June 15, 2011 Time: 1:30pm EDT / 10:30am PDT Duration: 1 Hour Price: Save $40 until June 14! Register today for just $89! Click Here to Register Instructor: Kathy Ryan President of Pinnacle Coaching Group and expert in effective communication. More Great Training Coming Soon: JUN 21: The NRRA and You! Are You Ready for the Changes? - Join the Insurance Journal Academy of Insurance and the American Association of Managing General Agents (AAMGA) for an informative webinar on the new NRRA regulations and requirements. JUN 29: Leadership Land Mines and How to Avoid Them - Explore the most common land mines that can undermine your effectiveness as a leader. Learn strategies to overcome your mistakes and minimize their impact on your team. JUL 20: Understanding and Explaining Ordinance or Law Coverage - This class details the essential coverage provisions found in the two ordinance or law endorsements and demonstrates how this coverage can save your insureds (and you from an E&O perspective) hundreds of thousands of dollars in out-of-pocket expenses. JUL 26: Producer Performance Development Program (8 Sessions) - This program is designed for newer producers and will re-energize experienced producers who have lost the edge in developing new business. AUG 3: Developing Producer Compensation & Agency Perpetuation Plans - Through this course, agency owners, sales managers, and financial officers will begin to see how vital the concept of compensation analysis is to the success of its company. Send to a Friend | Contact Us | Subscribe | Unubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2011 by Wells Publishing, Inc.