They Will Break You



“We’re gonna’ need a better stadium.” - Fans observing the calamity of FL’s first college football game (scroll to the F5 for the story)

 

 

Welcome to another edition of the FISCE’s Almost Famous Weekly Newsletter: our 4-minute take on your CE compliance and how together we can make you the most successful insurance pro in the building.

 

  

In this edition:

 

  • CE requirements
  • Reminders/announcements: this Saturday’s superb schedule
  • This week’s Webinar highlights and upcoming schedule
  • One for you my fellow FL history geek (aka the “F5”): decided by a stump

 

 

Let’s do this.

 

 

 

“What in the actual %^&* are my CE requirements?!” Click here for our CE Compliance page and get your answers.  

 

 

REMINDERS/ANNOUNCEMENTS

 

 

 

  • Get the latest happenings, get compliant: take a 4-hour Law & Ethics Update Webinar. Our schedule is packed with Webinars (including a few THIS SATURDAY) that fulfill the requirement for P&C licensees, Life/Health licensees, and All-Lines Claims Adjuster licensees. Keep scrolling to see the schedule.

 

 

  • Now that’s some good s$%^. The slate of Webinars scheduled for this Saturday may be our best work yet. Law & Ethics Update topics as well as two of our most popular elective topics are happening. Scroll to the schedule below, register, and BYOB.

 

 

  • Down, set, stump. College football fans: you don’t want to miss this week’s F5. Scroll down, enjoy, and…Go Knights!

 

 

 

THIS WEEK’S WEBINAR HIGHLIGHTS

 

 

Featured Webinar: CGL Endorsements That Will Break Your Policy, TUES, 8/19, 9 – 11a Eastern

 

They will break you(r policy). FISCE commercial lines guru Cathy “On a Mission” Trischan returns to discuss some of the endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy. She’ll review several ISO endorsements and provide examples of non-standard endorsements often used by insurers. In each case, she’ll discuss the effect that the endorsement has on the coverage that would otherwise have been afforded by the CGL policy.

 

 

This Week’s Schedule/Highlights (all times Eastern. Keep scrolling to see the full month schedule.)

 

 

  • MON, 8/18, 12 – 4p - For All-Lines Claims Adjuster Licensees in 2025: 4-Hour Law & Ethics Update. Adjuster friends: join yours truly and we’ll knock out your compliance requirement together (and talk about some useful stuff along the way!)

 

 

  • MON, 8/18, 12 – 4p - For Life & Health Licensees in 2025: 4-Hour Law & Ethics Update. Join instructor Karin “I’ll Ask An Alaskan” Woofter for a discussion on the latest happenings and get compliant.

 

 

  • TUES, 8/19, 9 – 11a – CGL Endorsements That Will Break Your Policy. Our featured Webinar this week! See description above.

 

 

  • TUES, 8/19, 2 – 3p - An Hour with Cathy: I Pay What? How Commercial Policy Deductibles Work. Cathy is back to talk property deductibles, including a discussion of flat, percentage, and catastrophe deductibles as well as deductible buyback policies. She’ll discuss the different types of general liability deductibles that may apply, as well as how the self-insured retention in an Umbrella policy functions. Lastly, she’ll address the application of deductibles for auto physical damage coverages.

 

 

  • THURS, 8/21, 9a – 12p – Why Inadequate EPLI Will Close Your Business (and What to Do About It). Many businesses do not carry Employment Practices Liability Insurance (EPLI) and some that do have confusing policies with limited coverage. Join Cathy for a discussion of why ALL businesses big and small must consider EPLI and discuss some important concepts to understand when writing claims made policies. Learn about many employment-related liability exposures faced by today’s employers: discrimination and harassment claims by employees and third parties, employee privacy concerns, retaliation claims, wage and hour claims and more as well as how common EPLI policies address such exposures.

 

 

  • THURS, 8/21, 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 a deep-dive into many such exposures, review the risk management process, and master how to provide needed insurance solutions for such insureds.

 

 

  • SATURDAY, 8/23, 9a – 12p - Bad Machines, Evil People: The Latest in Cyber. Bad actors are finding more sophisticated ways to utilize their bad machines. The harm caused by a cyber-attack can destroy businesses big and small. In this course Cathy will examine the most common first and third-party cyber exposures facing businesses today. She’ll review some of the coverages available in the cyber insurance market and discuss things to consider when selecting a product.

 

 

  • SATURDAY, 8/23, 9a – 1p - For Property & Casualty Licensees in 2025: 4-Hour Law & Ethics Update. P&C licensee friends: join legendary Florida Man/insurance teacher Dave “Special Sauce” Thompson and knock out your compliance requirement together (and learn some useful stuff along the way!)

 

 

  • SATURDAY, 8/23, 9a – 1p – For Life & Health Licensees in 2025: 4-Hour Law & Ethics Update. Miss the midweek show? No worries – we’re doing it all over again on Saturday.

 

 

  • SATURDAY, 8/23, 1 – 2p - An Hour with Dave: Rental Cars: Issues, Answers, Horror Stories. What’s in the rental car contract you signed but didn’t read? Is the LDW a rip-off? Is that credit card coverage legit? How does your personal auto respond? Learn the answers and discuss several “horror story” claim scenarios involving rental cars in this outstanding program from instructor David Thompson.

 

 

 

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 “Charge On” Amrhein, CIC, CBIA

 

Florida Insurance School Continuing Education (FISCE)

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THE “F5” (FASCINATING FACTOID FOR FANATICAL FLORIDIANS) –

 

It’s November 22, 1901 and you’re at the fairgrounds in Jacksonville attending a football game between Stetson and Florida Agricultural College (predecessor to the University of Florida).

 

This is the first college football game ever played in Florida and you’re skeptical. “I’ve read that the northern schools love it,” you say to others in the crowd. “But college football here? In Florida? It’ll never work!”

 

Stetson is clinging to a 6 – 0 lead when one of the FAC players breaks out of the pack for what looks to be a sure score. “Go, go, go!” You find yourself shouting. Excitement builds and you’re starting to understand what all the fuss surrounding this sport is about. Just short of the goal line the ball carrier goes a#s over elbow, dropping to the ground like a sack of Florida oranges. You hear him tell his teammates that he tripped over a tree stump. Reclaiming possession, the Stetson offense falls short of a second touchdown because a policeman on a horse got in the way.

 

“Oh for Pete’s sake,” the crowd collectively groans. “We’re gonna’ need a better stadium.”

 

Check out this webpage to learn more about the fascinating (and hilarious) history of FL’s first college football game as well as the first games played in every other state.