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2023 Spring Conference: April 19-20, 2023 Sessions
Ag Liability - Covered or Not Covered - That is the Question (1 CE)Wednesday 8:00am - 9:00am Speakers
SummaryThe big question is always what does the insured think is “covered or not covered”. Pretty sure you know that answer. The next question is whose responsibility is it to address what is going on with the risk? You know what they say – the best way to understand insurance is to follow a claim from start to finish. That is exactly what this program does but with a twist. Just when you thought it was safe to start explaining insurance coverages think again.
Economic Forecast 2023 and What It Means to You, Your Customer, and Your Agency (No CE)Wednesday 8:00am - 9:00am Speakers
SummaryDr. Eric Thompson, department chair, K.H. Nelson Professor, Chair of the Department of Economics, and the director of the Bureau of Business Research at the University of Nebraska-Lincoln will present his insights and an economic forecast for Nebraska for 2023. He will also provide expectations for the economy in 2024 and 2025. The presentation will touch on the outlook for the U.S. economy as the Federal Reserve Bank continues to take actions to reduce inflation. The talk also will examine the outlook for key Nebraska industries such as agriculture, construction, manufacturing, retail, finance and services. You won't want to miss this invaluable information!
CISR: Other Personal Lines Solutions - ALL DAY CLASS (with optional exam)Wednesday CISR Class 8:00am - 4:00pm Speakers
SummaryThis is an ALL day class. You must attend the ENTIRE day and complete all class check-ins to qualify for CE.
**Registrations received AFTER April 13 will not receive a printed learning guide, but will receive a link via email to access the learning guide when you register for the class.
The CISR Other Personal Lines Solutions course addresses coverage exclusions and limitations in the most current ISO Homeowners 3 – Special Form and the ISO Personal Auto Policy. This course addresses exposures created by clients’ business activities, their ownership or use of recreational vehicles and watercraft, as well as the need for additional coverage through Personal Umbrella Liability and Catastrophe Coverage. Personal Lines clients may not be aware they are lacking the proper insurance coverage for these activities until after a loss occurs. After completing this course, you’ll understand when an appropriate endorsement, other specialty coverage, or a proper referral to commercial lines may be necessary to support primary lines of coverage and provide the needed insurance protection.
This course is best taken after CISR Personal Residential Property & CISR Personal Auto Exposures.
Ag Property - Covered or Not Covered...That is the Question (1 CE)Wednesday 9:00am - 10:00am Speakers
SummaryThe big question is always what does the insured think is “covered or not covered”. Pretty sure you know that answer. The next question is whose responsibility is it to address what is going on with the risk? You know what they say – the best way to understand insurance is to follow a claim from start to finish. That is exactly what this program does but with a twist. Just when you thought it was safe to start explaining insurance coverages think again.
Nebraska Thriving Index - Strategies for a Better Future (No CE)Wednesday 9:00am - 10:00am Speakers
SummaryInterested in developing strategies to build a better future in your community? The Nebraska Thriving Index is the first economic and quality of life benchmarking tool for rural Nebraska. Developed by the University of Nebraska-Lincoln’s Bureau of Business Research and the College of Business & Technology at the University of Nebraska at Kearney, the Index allows Nebraska’s eight rural regions to see how they are doing in important areas including education and skill, growth and renewal, infrastructure, quality of life and much more, as compared to similar areas across the upper Midwest.
Insurance Shyster Hall of Shame (2 CE)Wednesday 10:00am - 12:00pm Speakers
SummaryBe astonished by the sheer audacity of the shysters inducted into the Insurance Fraud Hall of Fame! Insurance fraud continues to grow. Angie will share true fraudulent claim examples along with the costs, the warning signs, suggestions for what you can you do to prevent it to preserve the integrity of our industry.
Active Shooter Presentation (No CE)Wednesday 10:00am - 12:00pm Speakers
SummaryWith the rise of workplace violence in the U.S., IIAN invites our agents to attend a proactive active shooter training facilitated by the Kearney Policy Department. It is imperative that agents commit to strategies that minimize the risk and devastation of a potential active shooter. This training will provide valuable information and practices that will help agents be prepared in the event of an emergency.
Everything You Ever Wanted to Know About Pivots (2 CE)Wednesday 1:00pm - 3:00pm Speakers
SummaryThis session will explore pivots - what they involve, things to consider, and how agents can help their clients insure them properly. Some points that will be covered include: irrigation options, issues with systems, claim possibilities, valuation considerations, and more!
Valuation of Property - Commercial & Personal (2 CE)Wednesday 1:00pm - 3:00pm Speakers
SummaryDue to current economic conditions one of the biggest questions for a commercial property owner should be “do I have adequate coverage'? Of course, we know that is not always the first question. Usually for us it is “how much will this cost'?
A recent study indicates that 47% of your clients are at least 27% underinsured. As you look at your book of business you may feel that almost 75% of your clients are more than 50% underinsured. Remember this also effects personal lines. The question continues to loom large due to increase in material costs, pandemic related supply chain issues, historic weather conditions and inflation. Prices continue to go up. So, what is an agent to do? This program will look at the problems and some suggestions to give to your clients.
Consumer Fraud Protection Education (Non-CE)Wednesday 3:00pm - 4:00pm SummaryRepresentatives from First National Bank will provide fraud protection education to help agents inform their insureds how to be protected from current consumer fraud tactics.
Claims Made vs. Occurrence (1 P/C CE)Wednesday 3:00pm - 4:00pm Speakers
SummaryWhy are there two such opposing coverage triggers available for the same type of coverage? What are the triggers?
In general, insureds prefer (and maybe agents) occurrence type coverage over claims-made coverage due to its straightforward approach. But what are the pitfalls of occurrence? Of claims-made? And what are BERPs and SERPs? We will look at a few claims examples and discuss some of the considerations to consider when issuing a Claims-Made policy.
IIAN Trade ShowWednesday 4:00pm - 6:00pm Scheduled vs. Farm Personal Property: How Do We Insure Their Stuff? (2 CE)Thursday 8:30am - 10:30am Speakers
SummaryMost everyone likes and/or accumulates “stuff”, and our farm/ranch insureds are no exception. Regardless of the size or type of operation, there will be “stuff” i.e. personal property. We’ll review the difference between Scheduled Personal Property and Farm Personal Property and coverage options, including Liability coverages where needed. We’ll discuss when personal property should be: 1) added to the farm/ranch policy, 2) insured elsewhere, or 3) self-insured.
New Exposures - New Restrictions - New Homeowners Policy (2 P/C CE)Thursday 8:30am - 10:30am Speakers
SummaryThe last time ISO made major changes to the Homeowners policy was 2011. There have been a number of reactive changes to the new hazards and exposures that have been created but there has not been a major rewrite in eleven years. We will look at a new HO 3 and the new Open Perils Tenants (HO 00 14) form. We will discuss some of the new broadening of coverages and some of the new restrictions. Be ready as your carriers adopt the new edition date. You will want to know what is coming.
Business Income: Production Ag vs. Farming (1 CE)Thursday 10:30am - 11:30am Speakers
SummaryFor some (if not most) to be a farmer or rancher, it’s a lifestyle and not thought of as a traditional commercial business.
Could this be why it’s easier to sell Business Income coverage to your local restaurant owner? Whether operating a farm/ranch or a restaurant, a loss could have the same result - loss of income. We’ll discuss the reasons for farmers/ranchers not purchasing Business Income coverages, what coverage options they may have, and is there a need to change the current insurance product.
Disclaimers, Do They Really Help? (1 CE)Thursday 10:30am - 11:30am Speakers
SummaryIt seems like today we can’t do anything without attaching some type of disclaimer to the policies we sell. Why?
Sales 101 – Look what you can get for your money! Isn’t that what sales is? Maybe in some industries but not ours. Maybe ours was even that way at one time but today we have to communicate to the insured what the policy will do and more important what the policy will not do.
Disclaimers have become a big part of our processes.
• Don’t list coverages, exclusions or limitations without a disclaimer.
• Don’t read contracts or leases without providing a disclaimer.
• Don’t provide an annual questionnaire without a disclaimer.
• Don’t provide a quote or present a proposal without a disclaimer.
This is just a few of the issues agents and staff have to deal with daily. So, the big question is what should all of these disclaimers say. We will look at some suggestions.
Agritainment: When Does It Become An Issue For Insurance? (3 CE)Thursday 12:30pm - 3:30pm Speakers
SummaryHow about a “farm-cation”? Some will trade in the beach or snow and spend their vacation or a Saturday at the local farm/ranch for some family fun. Agritainment is a growing revenue stream for farmers and ranchers, but what happens when they don’t let their insurance carrier know of the “small” side business? Will the standard farm policy respond? As the saying goes, “it’s all fun and games, until someone gets hurt”. We’ll review some examples of Agritainment, where there may be coverage gaps and how to protect the insured with coverage endorsements.
Interactive Ethics - Fun, Practical Solutions (3 Ethics CE)Thursday 12:30pm - 3:30pm Speakers
SummaryEthics has been defined over the years by philosophers, religions and various groups of people. The focus has always been on the standards and values to which people should adhere. Many of the issues we face are black and white but it is the gray areas that challenge us when we try to make the right decisions. Often these gray areas require a difficult choice between two right answers rather than a wrong and a right answer. Although the law helps to some degree sometimes it doesn’t go far enough to lead us to that ethical decision. Ethical situations and practical solutions will be the center focus in this program.
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