Certified Insurance Counselor
CIC institutes are where the best insurance agents and practitioners learn the tools of their trade. The CIC Program provides an excellent continuing education opportunity; any eligible individual may attend classes without taking the examinations or working toward the designation. Presentations are custom-tailored to reflect the laws and changes in policies in the state in which the institute is held.
The institutes are:
- Agency Management
- Commercial Casualty
- Commercial Multiline
- Commercial Property
- Life & Health
- Personal Lines
- Ruble Graduate Seminar (for CICs only)
2 day Format:
7:30 AM Registration
8:00 AM - 5:30 PM Wed
8:00 AM - 5:00 PM Thurs
9:00 AM - 11:00 AM Fri (Exam Only)
16 Minnesota CE Credits (plus the Society of CIC files in all states)
2019: $450.00 for CIC Institutes
2020: $460.00 for CIC Institues
2019: $430.00 for Ruble Graduate Seminars
2020: $445.00 for Ruble Graduate Seminars
Cancellation Policy: Full refund or transfer will be granted if request is received in writing within 7 days prior to the seminar. Requests received after that date will incur a $75.00 fee. No refund/transfer will be granted for no shows.
Eligibility and Identification Requirements
To register for and attend a CIC institute, you must be a licensed agent, broker, or solicitor; or have at least two years of full-time experience as a practitioner in insurance or risk management; or have served for at least two years as a full-time insurance faculty member at an accredited college or university. All participants must present photo identification to the on-site registrar at the program.
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As we all know, our industry is constantly changing with new or revised coverage forms, rating plans, and organizational structures. Whether or not your organization focuses on commercial lines, personal lines, benefits, or a combination of things, the big issue is always how well the firm’s resources are managed. The better managed an organization is, the more successful it will be. The Agency Management Institute is designed to be relevant to the broad range of industry professionals who attend. Each subject is presented in a way that agency owners, producers, account executives, customer service representatives, and insurance company personnel see the value and how it relates to their position within the organization.
- Agency Organizations
- Understanding and Managing Financial Strength
- Agency Planning
- Human Resources
- Agency Productivity and Effectiveness
- Legal and Ethical Responsibilities
- Discuss the types of agency organizational structures, the importance of licensing, and the role of state and federal regulation. This will include understanding the agency contractual relationship with the Insurance Company and how to create the best possible relationship.
- Understand the financial aspects of an agency and how financial performance affects both clients and agency employees. The basics of Cash Flow, Income Statements, Balance Sheets, and the importance of effective collection procedures are included.
- Learn the fundamentals of agency planning, including questions to consider and how to conduct the proper agency analysis. Participants will understand the benefits of succession planning and the methods they can use to perpetuate the agency organization as a successful viable entity.
- Understand the process of managing personnel, including legal guidelines, establishing job descriptions, interviewing techniques, performance appraisals/evaluations, and termination procedures and be able to apply what they have learned.
- Learn what motivates ethical behavior and examine the leading causes of errors and omissions claims made against agents, and the control methods to implement to reduce or prevent risk.
2018 Commercial Casualty Institute Description
Explore casualty exposures and become familiar with important coverages.
- Essentials of Legal Liability*
- Commercial General Liability*
- Excess Liability/Commercial Umbrella Coverages*
- Workers Compensation*
- Business Automobile Coverages*
- Professional Liability
- Employment-Related Practices Exposures
- Garage Insurance
- Environmental Impairment Coverages
- Directors and Officers Liability
- Specific State Exposures/Innovations/Special Coverages
- Complete an in-depth study of the CGL policy form and endorsements, and apply them to specific situations.
- Become familiar with the Business Auto Policy forms and major endorsements, and apply them to specific situations.
- Gain an overview of Excess Liability/Commercial Umbrella and the issues of concurrency and self-insured retention.
- Better understand Workers Compensation, the exposures faced when employees perform work in other states, and endorsements available for this coverage.
* Mandatory topics are part of every Institute. Optional subjects will vary.
2019 Commercial Casualty Institute Description
Most businesses have exposures that can be protected by the most common commercial casualty coverages offered in the insurance marketplace. This institute focuses on providing a thorough understanding of these primary coverage areas. You will understand how to design the best coverage for your client.
- Commercial General Liability Concepts and Coverage
- Additional Insured Concepts and Endorsements
- Business Automobile Coverages and Endorsements
- Workers Compensation and Employers Liability
- Learn what liability exposures exist in the areas of premises, operations, products and completed operations, and personal and advertising injury liability. Understand important legal concepts and how they correlate with CGL coverage. Determine what coverage the CGL provides, who is insured, what is excluded, how the limits apply and be able to identify appropriate CGL endorsements.
- Explore the reasons for additional insured status and what problems may be created by adding an additional insured. The purpose, coverage and limitations of the more commonly used additional insured endorsements will be explained. Waivers of subrogation and the impact of the “Other Insurance” policy condition will also be addressed.
- Identify the major coverages and exposures related to various uses of “covered autos” (owned, nonowned and hired). Determine “who is as an insured”, what exclusions apply, the gaps of coverage, and some endorsements that modify the Business Auto Coverage Form.
- Understand important legal concepts and employment exposures of today’s workers compensation system. Workers Compensation and Employers Liability Insurance will be explained along with some of the more commonly used endorsements.
The complexity of commercial lines requires a broader knowledge of the property and casualty coverages specifically designed to address exposures. This institute addresses some of the most often encountered coverage enhancements that should be considered. Learn how to protect your clients with the coverages that best match their needs.
- Businessowners Policies
- Commercial Inland Marine Concepts & Coverages
- Crime Coverages & Endorsements
- Cyber Exposures and Coverages
- Employment Practices Liability Insurance
- Excess Liability/Commercial Umbrella Coverages
- Identify the Property and Liability Coverage provided in the Businessowners Policy and what it does and does not cover. Examine additional coverages, extensions, and endorsements to the BOP.
- Learn the benefits of writing Bailee coverage. Identify exposures covered by a Builders Risk Policy and the “Soft Costs” endorsement. List the methods for writing Contractors Equipment coverage. Understand the exposures of Transportation and how to address them.
- Explore the reasons to consider purchasing Crime Coverage and provisions found in the Crime Coverage Forms. Become comfortable with the Seven (7) built-in Insuring Agreements including Employee Theft.
- Identify the first and third party exposures related to e-commerce and the Internet. Understand the major provisions commonly found in Cyber insurance policies.
- Explore the areas of employment practices liability for businesses and organizations, with special emphasis on related legal concepts. Learn how coverage can be provided and the major policy provisions found in employment practices liability policies.
- Examine the purpose of excess liability policies. Learn about the different policy characteristics, “self-insured retention”, underlying requirements, and concurrency issues. Since there is no “standard” excess liability form, learn how to compare insuring agreements, exclusions and policy provisions.
2018 Commercial Property Institute Description
At this institute, you will learn innovative ways to maximize coverage for various types of commercial property accounts.
- Commercial Property Coverages*
- Commercial Property Endorsements*
- Commercial Property Causes of Loss Forms*
- Commercial Inland Marine Coverages*
- Time Element Coverages*
- Businessowners Policies*
- Difference in Conditions
- Commercial Property Case Study/Risk Management
- Equipment Breakdown
- EDP Coverages
- Other Inland Marine
- Construction Occupancy Protection Exposures (COPE)
- Specific State Exposures/Innovations/Special
- Learn Commercial Property Policy essentials, including coverage, endorsements and applications.
- Become exposed to Time Element Coverage (Business Income), options, and the recommended endorsements.
- Study various Inland Marine forms -- Builder's Risk, Contractors Equipment, and Transportation Coverage.
* Mandatory topics are part of every Institute. Optional subjects will vary.
2019 Commercial Property Institute Description
In order to maximize coverage and protect your increasingly complex commercial property accounts, it is important to have a detailed understanding of Commercial Property coverages and endorsements, as well as the concepts used when correctly writing this business. Equally important is a familiarity with other coverages such as Time Element (Business Income), and Equipment Breakdown. At this institute you will learn to help provide your customers with the advice and protection they need.
- Commercial Property Coverage Forms & Endorsements
- Commercial Property Causes of Loss & Endorsements
- Equipment Breakdown
- Time Element Coverages & Endorsements
- Examine the property coverage found in the Building and Personal Property Coverage Form including the various Additional Coverages, Coverage Extensions, and Optional Coverages. Discuss valuation methods and the application of coinsurance. Learn the proper use of various endorsements.
- Examine the common coverage, exclusions, and limitations of the three Causes of Loss Forms (Basic, Broad, and Special) with emphasis on the Special Causes of Loss Form. You will also explore the need for the Legal Liability Coverage Form.
- Learn the property exclusions that determine when an Equipment Breakdown Policy is needed. Determine the types of equipment to include, and the role of engineering as it relates to these policies.
- Determine the what, how, and why of Business Income Coverage and Extra Expense coverage. Learn the importance of complying with the coinsurance provision and which Optional Coverages are used to remove or suspend this provision. Examine several valuable Business Income endorsements.
There are countless opportunities for property and casualty professionals to develop life and health business. This institute will provide the essential background and knowledge for your personal understanding of these important products. It should also instill confidence in you to provide some counseling and guidance to your clients and succeed in this market.
- Life Insurance Concepts
- Health Insurance Concepts
- Disability Income and Long-Term Care Insurance
- Life and Disability Income Insurance products in a Business Situation
- Planning for Personal Insurance Needs
- Annuities in Retirement Planning
- Learn the basic characteristics, provisions, and riders found in most life, health, and retirement planning type contracts.
- Understand the application of these financial products to specific personal and business needs.
- Learn practical information on how to determine proper coverage for a client and the best product design to fit a specific situation.
In order to provide Personal Lines clients with the advice and protection they need, an understanding of the essential coverages provided by Homeowners, Personal Auto, and Personal Umbrella/Excess policies is necessary. As state-specific changes are included for the state in which the Institute is conducted, you will understand how state-specific changes revise coverage for your Personal Lines client.
Mandatory Topics Covered:
- Personal Residential Coverages
- Personal Automobile Coverages
- Personal Umbrella/Excess Coverages
Ruble Graduate Seminars feature a variety of topic selections along with real-life applications for the material. Use what you learn here to explain to your clients the presence of specified risks and the most effective methods for remedying them.
CE Credit is available for MN and all bordering
states, if you are licensed in a different state and registering less then 40
days from the program, please contact National Alliance to determine if CE is
Ruble Graduate Seminars feature:
- Varied educational choices which may include marketing, sales, and sales management subjects.
- Concurrent sessions on the second day, which give you options for designing your educational experience.
- Practical case study options that examine real-life examples, different styles of effective problem-solving, and complex exposure issues.