This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure. 

This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

Please Note: This class is approved for the Swiss Re Risk Management Premium Credit. If you are a policyholder, training can qualify you for a 10% or 15% credit. To learn more, visit our website at https://bigimd.com/eo-training/. 

Course #113541 | 3 P&C

Insurance premiums are based upon certain exposures which cannot be definitively known at policy inception, only estimated. Since the basis of premium is only estimated, the insurer may not be paid the correct premium for the insured exposure. To assure proper premiums, a premium audit is performed after the policy period ends.

Since agents are often caught in the middle of an audit, they need to understand all the facets involved.

Course #106088 | 2 P&C

The objective of this ethics seminar is to place emphasis on the importance of principles during our day-to-day activities in the insurance industry.  The outline was designed to add value to your work day regardless of the participant’s position in the agency.  Examples of potential principles are included for considerations.  It encourages asking ourselves the right questions before implementing a principle - think before the action taken.

Course #107672 | 3 Ethics

Business income (BI) is the most important property coverage available. Businesses exist to make money and without income, the business ceases to exist.

BI ensures there is a flow of income until the business is once again operational. During this session, attendees will learn the hardest lesson surrounding BI – how to complete the business income worksheet (CP 15 15).

Course #107667 | 2 P&C 

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

The course includes six instructor-led sessions plus a final review, all designed to provide focused exam preparation. Participants benefit from real-time Q&A and interactive discussions, along with ongoing study support throughout the course. You’ll gain practical knowledge from a seasoned insurance expert and receive a personalized 30-minute one-on-one session with the instructor to help reinforce key concepts and ensure you’re ready for the exam.

Monday, November 3, 2025 / 5-8PM

Wednesday, November 5, 2025 / 5-8PM

Monday, November 10, 2025 / 5-8PM

Wednesday, November 12, 2025 / 5-8PM

Monday, November 17, 2025 / 5-8PM

Wednesday, November 19, 2025 / 5-8PM

Friday, November 21, 2025 / 9-11AM

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

This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure. 

This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

Please Note: This class is approved for the Swiss Re Risk Management Premium Credit. If you are a policyholder, training can qualify you for a 10% or 15% credit. To learn more, visit our website at https://bigimd.com/eo-training/. 

Course #113541 | 3 P&C

Business income (BI) is the most important property coverage available. Businesses exist to make money and without income, the business ceases to exist.

BI ensures there is a flow of income until the business is once again operational. During this session, attendees will learn the hardest lesson surrounding BI – how to complete the business income worksheet (CP 15 15).

Course #107667 | 2 P&C 

Insurance premiums are based upon certain exposures which cannot be definitively known at policy inception, only estimated. Since the basis of premium is only estimated, the insurer may not be paid the correct premium for the insured exposure. To assure proper premiums, a premium audit is performed after the policy period ends.

Since agents are often caught in the middle of an audit, they need to understand all the facets involved.

Course #106088 | 2 P&C

The objective of this ethics seminar is to place emphasis on the importance of principles during our day-to-day activities in the insurance industry.  The outline was designed to add value to your work day regardless of the participant’s position in the agency.  Examples of potential principles are included for considerations.  It encourages asking ourselves the right questions before implementing a principle - think before the action taken.

Course #107672 | 3 Ethics

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

This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure. 

This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

Please Note: This class is approved for the Swiss Re Risk Management Premium Credit. If you are a policyholder, training can qualify you for a 10% or 15% credit. To learn more, visit our website at https://bigimd.com/eo-training/. 

Course #113541 | 3 P&C

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

The objective of this ethics seminar is to place emphasis on the importance of principles during our day-to-day activities in the insurance industry.  The outline was designed to add value to your work day regardless of the participant’s position in the agency.  Examples of potential principles are included for considerations.  It encourages asking ourselves the right questions before implementing a principle - think before the action taken.

Course #107672 | 3 Ethics

Business income (BI) is the most important property coverage available. Businesses exist to make money and without income, the business ceases to exist.

BI ensures there is a flow of income until the business is once again operational. During this session, attendees will learn the hardest lesson surrounding BI – how to complete the business income worksheet (CP 15 15).

Course #107667 | 2 P&C 

Insurance premiums are based upon certain exposures which cannot be definitively known at policy inception, only estimated. Since the basis of premium is only estimated, the insurer may not be paid the correct premium for the insured exposure. To assure proper premiums, a premium audit is performed after the policy period ends.

Since agents are often caught in the middle of an audit, they need to understand all the facets involved.

Course #106088 | 2 P&C

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

This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure. 

This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

Please Note: This class is approved for the Swiss Re Risk Management Premium Credit. If you are a policyholder, training can qualify you for a 10% or 15% credit. To learn more, visit our website at https://bigimd.com/eo-training/. 

Course #113541 | 3 P&C

The objective of this ethics seminar is to place emphasis on the importance of principles during our day-to-day activities in the insurance industry.  The outline was designed to add value to your work day regardless of the participant’s position in the agency.  Examples of potential principles are included for considerations.  It encourages asking ourselves the right questions before implementing a principle - think before the action taken.

Course #107672 | 3 Ethics

Business income (BI) is the most important property coverage available. Businesses exist to make money and without income, the business ceases to exist.

BI ensures there is a flow of income until the business is once again operational. During this session, attendees will learn the hardest lesson surrounding BI – how to complete the business income worksheet (CP 15 15).

Course #107667 | 2 P&C 

Insurance premiums are based upon certain exposures which cannot be definitively known at policy inception, only estimated. Since the basis of premium is only estimated, the insurer may not be paid the correct premium for the insured exposure. To assure proper premiums, a premium audit is performed after the policy period ends.

Since agents are often caught in the middle of an audit, they need to understand all the facets involved.

Course #106088 | 2 P&C

Insurance premiums are based upon certain exposures which cannot be definitively known at policy inception, only estimated. Since the basis of premium is only estimated, the insurer may not be paid the correct premium for the insured exposure. To assure proper premiums, a premium audit is performed after the policy period ends.

Since agents are often caught in the middle of an audit, they need to understand all the facets involved.

Course #106088 | 2 P&C

The objective of this ethics seminar is to place emphasis on the importance of principles during our day-to-day activities in the insurance industry.  The outline was designed to add value to your work day regardless of the participant’s position in the agency.  Examples of potential principles are included for considerations.  It encourages asking ourselves the right questions before implementing a principle - think before the action taken.

Course #107672 | 3 Ethics

Business income (BI) is the most important property coverage available. Businesses exist to make money and without income, the business ceases to exist.

BI ensures there is a flow of income until the business is once again operational. During this session, attendees will learn the hardest lesson surrounding BI – how to complete the business income worksheet (CP 15 15).

Course #107667 | 2 P&C 

This three-hour class Essentials of Sales specifically targets sales functions in the agency. Agents hold a variety of titles in agencies: Producer, Account Executive, or Sales Agent, for example. In some agencies, Account Managers or CSRs (Customer Service Representatives) are also responsible for sales. No matter what your title, if you sell or assist in sales, this class provides valuable insights to help reduce your E&O exposure. 

This course is oriented towards agency staff and begins with general comments to make them aware of what an E&O claim is, what typically causes a claim and then provides specific processes and procedures to follow in the agency's daily operations to prevent E&O claims.

Please Note: This class is approved for the Swiss Re Risk Management Premium Credit. If you are a policyholder, training can qualify you for a 10% or 15% credit. To learn more, visit our website at https://bigimd.com/eo-training/. 

Course #113541 | 3 P&C

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

The course includes six instructor-led sessions plus a final review, all designed to provide focused exam preparation. Participants benefit from real-time Q&A and interactive discussions, along with ongoing study support throughout the course. You’ll gain practical knowledge from a seasoned insurance expert and receive a personalized 30-minute one-on-one session with the instructor to help reinforce key concepts and ensure you’re ready for the exam.

Monday, January 12, 2026 / 5-8PM

Wednesday, January 14, 2026 / 5-8PM

Monday, January 19, 2026 / 5-8PM

Wednesday, January 21, 2026 / 5-8PM

Monday, January 26, 2026 / 5-8PM

Wednesday, January 28, 2026 / 5-8PM

Friday, January 30, 2026 / 9-11AM

The course includes six instructor-led sessions plus a final review, all designed to provide focused exam preparation. Participants benefit from real-time Q&A and interactive discussions, along with ongoing study support throughout the course. You’ll gain practical knowledge from a seasoned insurance expert and receive a personalized 30-minute one-on-one session with the instructor to help reinforce key concepts and ensure you’re ready for the exam.

Monday, May 4, 2026 / 9-12PM

Wednesday, May 6, 2026 / 9-12PM

Friday, May 8, 2026 / 9-12PM

Monday, May 11, 2026 / 9-12PM

Wednesday, May 13, 2026 / 9-12PM

Friday, May 15, 2026 / 9-12PM

Monday, May 18, 2026 / 9-11AM

The course includes six instructor-led sessions plus a final review, all designed to provide focused exam preparation. Participants benefit from real-time Q&A and interactive discussions, along with ongoing study support throughout the course. You’ll gain practical knowledge from a seasoned insurance expert and receive a personalized 30-minute one-on-one session with the instructor to help reinforce key concepts and ensure you’re ready for the exam.

Monday, August 10, 2026 / 9-12PM

Wednesday, August 12, 2026 / 9-12PM

Friday, August 14, 2026 / 9-12PM

Monday, August 17, 2026 / 5-8PM

Wednesday, August 19, 2026 / 5-8PM

Friday, August 21, 2026 / 5-8PM

Monday, August 24, 2026 / 9-11AM

The course includes six instructor-led sessions plus a final review, all designed to provide focused exam preparation. Participants benefit from real-time Q&A and interactive discussions, along with ongoing study support throughout the course. You’ll gain practical knowledge from a seasoned insurance expert and receive a personalized 30-minute one-on-one session with the instructor to help reinforce key concepts and ensure you’re ready for the exam.

Monday, November 2, 2026 / 5-8PM

Wednesday, November 4, 2026 / 5-8PM

Monday, November 9, 2026 / 5-8PM

Wednesday, November 11, 2026 / 5-8PM

Monday, November 16, 2026 / 5-8PM

Wednesday, November 18, 2026 / 5-8PM

Friday, November 20, 2026 / 9-11AM