“Jeepers! This reads like a life insurance policy that excludes death!” - angry contractor who wouldn’t use the word ‘jeepers’
In this edition: CE requirements, important reminders, featured Webinar this week, June schedule, FL swamp rockets (this week’s F5).
You + the FISCE = a great week, my beautiful insurance friend. Let’s do this.
“What in the actual %^&* are my CE requirements?!” Click here for our CE Compliance page and get your answers.
Important reminders:
- What happens if? Learn more about CE compliance including what happens if you miss your deadline here.
- One storm resource to rule them all. This webpage from the Florida Department of Financial Services may be the most comprehensive and actionable of them all regarding storm prep, insurance, and what to do when the worst happens. If you have not yet done so consider sharing this webpage with your insureds!
Get the latest happenings, get compliant: take a 4-hour Law & Ethics Update Webinar. Our schedule is packed with Webinars that fulfill the requirement for P&C licensees, Life/Health licensees, and All-Lines Claims Adjuster licensees. Keep scrolling to see the schedule.
Featured Webinar This Week: CGL Endorsements That Will Break Your Policy, THURS, 6/12, 1 – 3p
Wrecking ball to the CGL. Commercial lines guru Cathy “On a Mission” Trischan returns to discuss common endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy. She will review several Insurance Services Office (ISO) endorsements and see examples of non-standard endorsements often used by insurers. In each case, she will discuss the effect that the endorsement has on the coverage that would otherwise have been afforded by the CGL policy.
CE Webinars This Week (all times Eastern. Keep scrolling to see the full month schedule):
- TUES, 6/10, 9a – 12p - Definition of Insanity: Common Home and Auto Exposures We Know Are There & Do Nothing About. Instructor Scott “Guy-o from Ohio” Treen is back to review several home and auto exposures that most everyone knows are there yet, for some reason, continue to cause coverage problems. Furnished vehicles, trailers, personal property, kids earning cash, watercraft, and several other common exposures will be discussed with the hope of addressing them in a way that finally produces a different result: adequate coverage!
- TUES, 6/10, 1 – 4p – Stinkin Rich, Insurance Poor: P&C Coverage Challenges for High-Net-Worth Individuals. Personal lines insurance pros often face challenges when trying to identify and place exposures unique to high-net-worth individuals. Join instructor Kym “Got Fat Stacks (of Policies)” Martell for this deep-dive into many such exposures and learn the risk management process as well as providing needed insurance solutions for such insureds.
- WED, 6/12, 9 – 11a - Eroding: The Personal Lines Implosion and What Happens Next. Personal Lines markets continue to deteriorate. Agents and account managers are scrambling, carriers are changing course daily, and the insured often is left with reduced coverage and higher premiums. Instructor Nicole “Human Energy Drink” Broch is back to explain how we got here and what insurance pros can do to understand, explain, and advise insureds as to how to protect themselves until conditions (hopefully!) improve.
- WED, 6/12, 9a – 1p - For Life & Health Licensees in 2025: 4-Hour Law & Ethics Update. Join instructor Karin “I’ll Ask An Alaskan” Woofter to get compliant and learn the latest happenings regarding life/health/financial products in the Sunshine State.
- WED, 6/12, 1 – 3p - CGL Endorsements That Will Break Your Policy. Our featured Webinar this week! See description above.
- SATURDAY, 6/14, 9a – 12p - Reasons Personal Lines are Broken (and What to Do About It). Ride-sharing, drones, home rental, furnished autos, remote work and other issues testing common personal lines policies are reviewed in this course taught by the one-and-only Terry “Everyone’s Insurance Dad” Tadlock. Insurance pros who attend will learn the depth of exposures and the best practices of how to address them with insureds.
- SATURDAY, 6/14, 9a – 1p - For Property & Casualty Licensees in 2025: 4-Hour Law & Ethics Update. Join Dave “Special Sauce” Thompson to get compliant and learn the latest happenings in the P&C marketplace.
- SATURDAY, 6/14, 9a – 1p - For Life & Health Licensees in 2025: 4-Hour Law & Ethics Update. Couldn’t make the midweek show? No worries – we’re doing it again on Saturday!
- SATURDAY, 6/14, 1 – 2p - An Hour with Nicole: Making Sense of Homeowners Deductibles (Once and For All!) Deductibles are commonly understood when agents sell and service a policy. However, applying deductibles to a loss may not work how they expect. Nicole returns to review several examples to assist insurance pros in finally understanding homeowners deductibles.
Finally, if you’re an unapologetic lover of all-things Florida keep scrolling to experience this week’s “F5”: a tasty knowledge nugget about everyone’s favorite state.
Until the next round…cheers!
Kevin “Still Says ‘Jeepers” Amrhein, CIC, CBIA
Florida Insurance School Continuing Education (FISCE)
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THE “F5” (FASCINATING FACTOID FOR FANATICAL FLORIDIANS) –
It’s 1979 and you’re boarding the bus to Miami. You take one last look at your now former home where you’ve been stationed for the last few years. “Good riddance”, you bid sarcastically. “I’ll miss the heat, bugs, and mud. Oh, and snakes. Will definitely miss them, too” you continue. As you and your fellow travelers exchange gripes about the place you all silently agree on one thing…
…thank goodness we never had to use it.
Located in Everglades National Park is “Alpha Battery” or “HM69” – a historic Nike Hercules missile site considered one of the best preserved relics of the Cold War. Per the National Park Service, the site remains virtually the same as it was when official use of the site ended in 1979. Construction of the site by the U.S. Army Corps of Engineers was completed in 1965, just after the Cuban Missile Crisis of October 1962. At the time, the nation's air defenses were positioned to protect against a possible Soviet air attack over the North Pole and thus, this and other anti-aircraft missile sites were established to protect against a possible air attack from the south. The Nike Hercules missile site was listed on the U.S. Department of the Interior Register of Historic Places on July 27, 2004 as a Historic District.
Approximately 140 soldiers staffed the 3 above-ground missile barns of HM69 to protect against an air attack from Cuba. The personnel of HM69, along with the members of other South Florida units, received the Army Meritorious Unit Commendation which was one of the few times that it was awarded for deterrence rather than engagement with the enemy.