Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Come celebrate the official launch of IMPACT Maryland—a fresh new identity for the Maryland Young Agents Committee (YAC), with a renewed mission to inspire and empower the next generation of insurance professionals.

Enjoy an evening of networking, connection, and celebration with peers from across the industry. Your registration includes appetizers and two drink tickets to enjoy local craft brews in a relaxed setting.

This event is proudly sponsored by Chesapeake Employers Insurance Company.

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Join us for the Big I Maryland Annual Conference on Kent Island!
This year’s event is more than a conference—it’s a celebration. We’re honoring Angela Ripley as she takes the helm as IIABA National Chair with a special evening of dinner and entertainment, installing our incoming Big I Maryland Board at an authentic crab feast, and fueling the future of our industry with powerful education sessions, a dynamic keynote, and unmatched networking opportunities with carriers and peers. The exhibit hall will be open for one action-packed day, giving attendees dedicated time to explore innovative solutions and connect with industry partners.

Exhibitor & Sponsorship Opportunities Available!

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY

Business income coverage often sparks confusion—but it doesn’t have to. Despite its reputation, the core concepts are straightforward when you focus on what really matters: time.

This session breaks down the essentials of business income (time element) coverage, emphasizing the importance of estimating recovery time over analyzing financial statements. Learn how to determine appropriate limits, coinsurance, and endorsements without getting lost in the numbers.

Key Takeaways:

• Why business income coverage matters
• Understanding the insuring agreement
• Four key concepts every agent should know
• Calculating restoration time, coinsurance, and limits
• Extended business income and dependent properties
• Must-have endorsements to close coverage gaps

Take the mystery out of business income and build confidence in protecting your clients.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112692 | 3 P&C | Maryland ONLY

Private Passenger Auto (PPA) is the largest U.S. P&C line—270 million cars plus mandatory liability laws—but its sheer volume can mask real complexity and drive E&O claims. Umbrella and excess forms are even trickier, with little uniformity between policies.

This condensed, three-hour class equips you to spot the pitfalls:

• PAP essentials: eligibility, key definitions, coverage parts, PIP
• Who’s an “insured” under PAP and PUP
• Must-know endorsements for trailers, family trusts, and more
• Umbrella vs. excess: how to tell them apart and avoid gaps

Master the details, protect your clients, and shrink your E&O exposure—without getting lost in the weeds.

Please Note: This class is approved for premium credit by both Swiss Re and Utica. If your state requires any action steps following course completion, those details will be included in the course materials. Learn More: https://bigimd.com/eo-training/

Course #112691 | 3 P&C | Maryland ONLY