The topic of Hemp has been much talked about for the past three years or so. Some tout it as the "next best crop" for our farm owners and producers...others see it as a gateway to cannabis production and related drug issues. Neither is probably true. So we will look at what it can do, can be used for, what it is and is not, and how it can affect the farmer...positively or not.

Insurance is simple in its purpose but complicated in its design because insurance and especially the insurance policy is based on the law of contracts. To understand insurance requires understanding contracts and the law of contracts.

Reading a contract is a learned talent, either accidentally learned or purposely learned. The first part of this session guides students through a purposeful methodology designed to make insurance contract interpretation easier.

Part two of this session focuses on the improper and proper method for extending insurance protection from the business auto policy (BAP) for a personally-owned auto. Although a personally-owned auto is more appropriately insured on a personal auto policy (PAP), there are situations where the BAP is acceptable. But certain steps must be taken from an insurance perspective to close unintended gaps.

The final part of this session focuses on Part II of the workers’ compensation policy, Employers’ Liability coverage. Some agents ignore this coverage as a “throw in” to the work comp policy; nothing could be further from the truth. Employers’ liability is an extremely important, gap-filling coverage. When this is understood, you will never look at this coverage the same again.

This course will discuss some emerging issues which will change the way we look at our customers’ insurance programs.  The topics will include drones (both personal and commercial exposures), the “sharing economy” (ride sharing, car sharing and home rental), the “where you reside” issue, and “host liquor” liability.

It happens to the best of Account Managers – you have every intention of getting all incoming work processed every day, but no matter how hard you try, you still get behind.  And, unfortunately, once you fall behind you may get even further and further backlogged with each passing day.  Well, it doesn’t have to be that way!  Our simple, proven system of desk management will get you caught up and keep you caught up forever!  In fact, we’re so confident that we even call it CaughtUP!