Why Should I Pay? I Have Insurance!

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. How to Explain Coinsurance Without the coinsurance provision, high property insurance rates and chronic underinsurance would result! Coinsurance provisions found in property policies exist primarily to assure that the insured carries a certain minimum amount of insurance coverage so that the insurance carrier receives adequate premium for the risk insured. But your clients find the application of coinsurance confusing, and so do many agents. Plus, most clients don.t care about the particulars, they just want to know how to avoid the problems created by coinsurance. Click Here to Register What you will learn in this webinar: How the concepts of Maximum Possible Loss (MPL) and Probable Maximum Loss (PML) relate to coinsurance; The correct way to develop the values used in the coinsurance formula; How to correctly apply the coinsurance formula; The purpose behind coinsurance; How to explain coinsurance to your clients; and Options available to avoid coinsurance. 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 Thursday, April 12th 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 April 11th) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Thursday, April 12th Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until April 11th! Register today for just $89! Click Here to Register Instructor: Chris Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS Director of Education at Insurance Journal's Academy of Insurance More Great Training: APR 11: Mining Workers Compensation Loss Runs for Valuable Information - A good loss run report can guide a Workers' Compensation program in developing risk management plans, tracking the results of current risk management efforts, identifying problem areas, and projecting costs. APR 18: Succession Training- Building Your Team: Hiring, Training and Retaining the Best People - Once you have the right person for the job, how do you ensure that they'll want to stay? APR 19: Contractor Bonds (2-part series) - This two-part seminar presents a wide-ranging examination of bond-related issues connected to the construction industry. APR 25: Is a Strong Agent/Adjuster Relationship Vital? - The relationship between an Agent and Adjuster is much more important than we seem to think it is. Join us as we learn ways to have a successful, positive relationship between Agent and Adjuster. MAY 2: Succession Training- The Performance Mgmt Process: Linking Performance to Results - Do you have an effective Performance Management Process in place? Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

Weekly Reader Picks: Monday, April 9, 2012

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April 9, 2012 Top 10 for the Past Week 1. Top Reasons Happy Couples File Wedding Insurance Claims Apr 2, 2012 -- Vendor and venue problems are the most frequent causes of wedding day mishaps that result in insurance claims. Wedding insurance experts at Travelers Insurance recently analyzed the company's wedding insurance claims from 2011 and found that a ... 2. 160-Year Old Hanover Retaking Its Place as P/C Industry Leader Apr 3, 2012 -- Eight out of 160 years of history may not seem like a big deal but for Hanover Insurance Group, founded in 1852, the last eight years have seen a series of big deals. Eight years ago in 2004, the $2.4 billion heavily personal lines super-regional ... 3. Special Report: Top 10 Innovative P/C Insurance Products Apr 1, 2012 -- In the past few years, dozens of property/casualty insurers have announced innovative protections for risks involving new technologies, current economic concerns, personal and family relationships, home-based small businesses, and more. "This is a ... 4. Look Out Gecko and Flo, ‘Mayhem’ Man, QB and Professor Are Gaining On You! Mar 29, 2012 -- The gecko, caveman and sales clerk Flo might want to check their retirement plans. Their brands are getting overshadowed by competition from "upstarts" like the Allstate mayhem man, State Farm's QB Aaron Rodgers and the Farmers University ... 5. Football Turns to Helmet Technology to Tackle Head Injuries Apr 3, 2012 -- As Americans grow more aware of the risk of brain injury tied to football - the country's most popular sport - players and coaches are experimenting with the latest technology in a bid to make the game safer. Advances in training have led to bigger, ... 6. CEO of Pennsylvania Insurer Highmark Fired After Assault Charges Apr 2, 2012 -- A western Pennsylvania insurance company has fired the chief executive officer who was arrested a week ago after a fight with the husband of an employee with whom he was having an affair. Highmark Inc. announced Sunday that the board of directors ... 7. Ryan Specialty Group to Acquire WKFC Underwriting Managers in New York Apr 3, 2012 -- Chicago-based Ryan Specialty Group said its subsidiary RSG Underwriting Managers is acquiring WKFC Underwriting Managers in New York. Terms of the transaction were not disclosed. ... 8. Trucker Harassment Class-Action Suit Backfires Apr 5, 2012 -- They were learning to become truck drivers but wound up in a nightmare. In detailed accounts to a federal agency, dozens of female employees of an Iowa-based trucking company, one of the largest in the nation, told of being propositioned, groped and ... 9. The New Facebook Timeline Layout: What You Need to Do Apr 2, 2012 -- It's time for timeline. Whether you wanted the new look or not, Facebook just switched your business page over to the new "timeline" layout. There are several significant changes that affect how your social network sees your business. Here's what ... 10. Tornadoes Slam North Texas Causing Extensive Damage Apr 4, 2012 -- A severe line of thunderstorms and isolated super cells moved into the Dallas-Fort Worth-Arlington metropolitan area in the early afternoon on April 3 producing numerous tornadoes and large hail that was responsible for extensive damage throughout ... Popular Videos Financial Institutions Underwriting: Is It Safe to Come Out Yet? Proliferation of M&A Litigation Lining Lawyers' Pockets 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

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 © 2012 by Wells Publishing, Inc.

Find the Treasure in Work Comp Loss Runs

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Understanding Loss Run Information Is a Portal to Lowering Your Client's Workers' Compensation Expenses Just as a balance sheet allows business owners to understand the financial strength and capabilities of their company, the work comp loss run report should guide your insured's workers' compensation program. But because loss runs are often unreadable, many agents ignore them, and fail to recognize the value they offer their client as a management tool. The layout of workers' compensation loss runs differ from carrier to carrier, but they all contain the same information - information VITAL to your clients. Wednesday's webinar gives you the necessary understanding regarding the meaning of all the headings and abbreviations to guide your clients. In addition, you learn how insurance company underwriters use loss runs to drive up your client's premiums and what carrier adjusters may not be telling you and your client. Click Here to Register What you will learn in this webinar: Address the valuation date Decoding the abbreviations and numbers Using the loss run to "sell" your business to an underwriter How loss run information can show you where your risk management program is failing 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, April 11th 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 April 10th) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Wednesday, April 11th Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until April 10th! Register today for just $89! Click Here to Register Instructor: Stacey Cheese, CISR, CWCP, NJWCP, CWCA Director of Workers Compensation for The Seltzer Group & East Coast Risk Management More Great Training: APR 12: Principles of Coinsurance - The application of coinsurance is confusing to clients and can be confusing to many agents. Learn how to make this seemingly complicated provision easy and simple to explain and understand. APR 18: Succession Training- Building Your Team: Hiring, Training and Retaining the Best People - Once you have the right person for the job, how do you ensure that they'll want to stay? APR 19: Contractor Bonds (2-part series) - This two-part seminar presents a wide-ranging examination of bond-related issues connected to the construction industry. APR 25: Is a Strong Agent/Adjuster Relationship Vital? - The relationship between an Agent and Adjuster is much more important than we seem to think it is. Join us as we learn ways to have a successful, positive relationship between Agent and Adjuster. MAY 2: Succession Training- The Performance Mgmt Process: Linking Performance to Results - Do you have an effective Performance Management Process in place? Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

Business has been good for hackers

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Understanding Cyber Liability Hackers! Are you one of the 40% that don't think they'll ever be hacked? Hackers don't discriminate. Companies of all sizes are and have been targets for cyber criminals. The constant evolvement of technology is a double-edged sword- doing business becomes easier, faster, and more convenient, but it also makes our sensitive data more vulnerable than ever to hackers. Don't be left in the dark on the cyber and privacy issues that your customers face every day. Learn the history of cyber development, computer viruses, identity theft, what Cyber Liability coverage is and who needs it. Click Here to Register What you will learn in this webinar: What is cyber liability Who needs cyber liability coverage What can be expected from a cyber liability policy Key questions concerning cyber liability 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 Thursday, April 5th 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 April 4th) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Thursday, April 5th Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until April 4th! Register today for just $89! Click Here to Register Instructor: David Derigiotis Director of Professional Lines at Burns & Wilcox and Cyber Liability Specialist More Great Training: APR 11: Mining Workers Compensation Loss Runs for Valuable Information - A good loss run report can guide a Workers' Compensation program in developing risk management plans, tracking the results of current risk management efforts, identifying problem areas, and projecting costs. APR 12: Principles of Coinsurance - The application of coinsurance is confusing to clients and can be confusing to many agents. Learn how to make this seemingly complicated provision easy and simple to explain and understand. APR 18: Succession Training- Building Your Team: Hiring, Training and Retaining the Best People - Once you have the right person for the job, how do you ensure that they'll want to stay? APR 19: Contractor Bonds (2-part series) - This two-part seminar presents a wide-ranging examination of bond-related issues connected to the construction industry. APR 25: Is a Strong Agent/Adjuster Relationship Vital? - The relationship between an Agent and Adjuster is much more important than we seem to think it is. Join us as we learn ways to have a successful, positive relationship between Agent and Adjuster. Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

The Art of Influencing Others

New training from Insurance Journal's Academy of Insurance. Register today! Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. Become an Influential Leader You're not the leader if you are not influencing others. Your ability to lead employees and others is directly proportional to your ability to influence them. Your employees need to trust you and be receptive to your ideas and advice. They need to see you as an authoritative figure who models commitment and consistency. Kathy Ryan explores the foundational qualities and values necessary for becoming this type of successful leader. Kathy discusses the difference between leadership and management; and how to be the influential leader your employees need and truly want. Don't miss this opportunity to learn the most effective ways to lead your team to success. Click Here to Register What you will learn in this webinar: The Difference Between Leadership and Management The Role of Influence in Leadership How to Build Trust and Credibility How to Build Relationships Across the Organizational Chart 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, April 4th 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 April 3rd) Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. Date: Wednesday, April 4th Time: 1:30pm ET / 10:30am PT Duration: 1 Hour Price: Save $40 until April 3rd! 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: APR 5: Understanding Cyber Liability Coverage - This class will cover in detail the history of cyber development, computer viruses, and identity theft. Cyber Liability addresses the first- and third-party risks associated with e-business, the Internet, networks and informational assets. APR 11: Mining Workers Compensation Loss Runs for Valuable Information - A good loss run report can guide a Workers' Compensation program in developing risk management plans, tracking the results of current risk management efforts, identifying problem areas, and projecting costs. APR 12: Principles of Coinsurance - The application of coinsurance is confusing to clients and can be confusing to many agents. Learn how to make this seemingly complicated provision easy and simple to explain and understand. APR 18: Succession Training- Building Your Team: Hiring, Training and Retaining the Best People - Once you have the right person for the job, how do you ensure that they'll want to stay? APR 19: Contractor Bonds (2-part series) - This two-part seminar presents a wide-ranging examination of bond-related issues connected to the construction industry. Send to a Friend | Contact Us | Subscribe | Unsubscribe | Privacy Policy Insurance Journal 3570 Camino del Rio North, Suite 200 San Diego, CA 92108 (800) 897-9965 Copyright © 2012 by Wells Publishing, Inc.

Five of the Hottest Management and Leadership Topics

Having trouble reading this email? View it as a webpage. Not interested anymore? Unsubscribe instantly. New Series: Five of the Hottest Management and Leadership Topics In this 5-part series Kathy Ryan, President and Founder of Pinnacle Coaching Group, discusses five of the hottest management and leadership topics, giving you immediately useful tips on how to be the leader your team needs. Your registration includes live call-in access to all five webinars, Q&A with the instructor, recordings of each session and slide PDF downloads. All five webinars just $397.00 when you register today! Space is limited! Register today to save your spot! Each webinar is also available for purchase individually: This Wednesday! Session 1 - Maximizing your Impact: The Art of Influencing Others Live call-in April 4, 10:30am Pacific / 1:30pm Eastern Influence! There is nothing more imperative to success in business than being able to positively influence others. Your employees need to trust you and be receptive to your ideas and advice. Your ability to lead your employees is directly proportional to your ability to influence them. Kathy discusses why there is a difference between leadership and management; and how to be the influential leader that your employees need. View and Buy Now Session 2 - Building Your Team: Hiring, Training and Retaining the Best People Live call-in April 18, 10:30am Pacific / 1:30pm Eastern Finding the best employees in today's competitive market is challenging. Picking people who are the "right fit" for your "dream" team and who can achieve outstanding results towards the success of your business, can be even more challenging. Not only do you need to know what skills, talent and traits the "right" person must have, you must also know how to retain that "right" person once you find them. View and Buy Now Session 3 - The Performance Management Process: Linking Performance to Results Live call-in May 2, 10:30am Pacific / 1:30pm Eastern An effective Performance Management Process allows you and your business to accomplish the goals you have set. Companies and agencies with a formal employee goal-setting process and enforced by performance reviews against those goals, will outperform those operations without such a system in place. 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. View and Buy Now Session 4 - Fearless Feedback: Getting Comfortable with Providing Feedback Live call-in May 16, 10:30am Pacific / 1:30pm Eastern Positive feedback is an underutilized employee motivation tool. Honest feedback regarding performance requires having uncomfortable and difficult conversations, but these are essential to helping your employees excel and reach their full potential. Addressing employee behavior and performance can be an intimidating process. Often, anxiety around finding the right words to communicate your message, or handling the emotional reactions from the employee makes these the "conversations to avoid." The reality, of course, is that avoidance only allows the situation to deteriorate. The ability to effectively prepare for and conduct a productive counseling session is an essential skill for any leader. View and Buy Now Session 5 - Team Leadership: Motivating and Inspiring Your Team Live call-in May 30, 10:30am Pacific / 1:30pm Eastern Motivation and inspiration are key, especially if you want your employees to attain their professional goals. Your team looks to you as their leader to set direction, provide guidance and instruction, remove obstacles and inspire them to greatness. In order to be a great leader, you must have people willing to follow you. Even though the responsibilities of a leader can vary from organization to organization, the foundations that make a great leader rarely change. Most of us must work to become effective leaders by continually working on our skills and learning different ways to inspire our employees. View and Buy Now When you register, you get: Access to live class Question & Answer session after each class Recording of each session, so you won't miss any of the content MP3 download of the webcast Presentation slides download Meet the Instructor: Kathy Ryan Kathy Ryan is President and founder of Pinnacle Coaching Group LLC, a coaching and consulting company committed to helping organizations and individuals in the insurance industry reach new heights in professional development. Space is limited! Register today to save your spot! All five session plus downloads of everything, just $397.00 when you register today! Have questions or need help? Send an email to webcasts@insurancejournal.com or call Barbara at 800-897-9965 x166. 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 © 2012 by Wells Publishing, Inc.

Weekly Reader Picks: Monday, April 2, 2012

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April 2, 2012 Top 10 for the Past Week 1. Look Out Gecko and Flo, ‘Mayhem’ Man, QB and Professor Are Gaining On You! Mar 29, 2012 -- The gecko, caveman and sales clerk Flo might want to check their retirement plans. Their brands are getting overshadowed by competition from "upstarts" like the Allstate mayhem man, State Farm's QB Aaron Rodgers and the Farmers University ... 2. Nix the Tape on Home Windows, Say Hurricane Officials Mar 29, 2012 -- Officials with the National Hurricane Center had a message this week for residents living in hurricane-prone areas: Don't tape your windows. Center officials are joining with a consumer advocate group at the National Hurricane Conference in Orlando, ... 3. Washington Mutual Sues Its D&O Insurers, Seeks Up to $250M Mar 26, 2012 -- Washington Mutual Inc. recently filed a lawsuit against a dozen insurance companies that had provided directors' and officers' coverage. The troubled bank holding company that just completed its Chapter 11 restructuring process says its insurers ... 4. Facebook Says Emails Show New Yorker’s Lawsuit a Fraud Mar 26, 2012 -- Facebook Inc. released emails by founder Mark Zuckerberg from his days at Harvard University to bolster its arguments that a wood-pellet salesman who sued for a 50 percent stake in the social media company lied and forged documents. Facebook's ... 5. Plan Now for Climate-related Disasters Warns U.N. Report Mar 29, 2012 -- A future on Earth of more extreme weather and rising seas will require better planning for natural disasters to save lives and limit deepening economic losses, the United Nations said on Wednesday in a major report on the effects of climate ... 6. Facebook, Lawmakers Warn Employers Not to Demand Passwords Mar 25, 2012 -- Facebook and lawmakers have warned employers against requesting Facebook passwords while screening job applicants, a controversial practice that underscores the blurring distinction between personal and professional lives the era of social media. ... 7. Small-Town Cafe Banter Becomes Defamation Lawsuit in Texas Mar 26, 2012 -- Bennie Dale Morris used to be a regular at Frank's Place — eating meals and drinking coffee several times a day at the smoke-filled cafe — until the restaurant owner's joking around got a little too personal. In fact, Morris and longtime ... 8. Philadelphia Insurance Companies Announces Promotions Mar 26, 2012 -- Philadelphia Insurance Companies announced promotions for three marketing executives. Brian O'Reilly has been promoted from senior vice president ... 9. Insurance Claims Firm Cunningham Lindsey Put Up for Sale Mar 29, 2012 -- Cunningham Lindsey, an insurance claims management company controlled by buyout firm Stone Point Capital LLC, is up for sale and could fetch more than $1 billion, sources familiar with the situation said. Bank of America Merrill Lynch is advising ... 10. Florida Arrests 15 in Alleged Food Truck Insurance Scam Mar 27, 2012 -- Florida officials said they have busted an alleged $800,000 insurance claims scam in which food trucks were used to stage accidents. Florida Chief Financial Officer Jeff Atwater announced the outcome of a two-year insurance fraud investigation ... Popular Videos Proliferation of M&A Litigation Lining Lawyers' Pockets 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

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 © 2012 by Wells Publishing, Inc.