The Western Alliance is proud to announce CPIA designation courses will be available via webinar format beginning in January 2024 at  


Check our calendar of events for course informatioin.  

Registrations will be open soon!

CPIA - Certified Professional Insurance Agent

Empowering Insurance Professionals into the Future

The CPIA designation is first-of-its-kind, hands-on, how-to training. To earn the CPIA designation candidates are required to participate in a series of three, one-day seminars THE BEST PART IS NO EXAMS!
Completion is due three years from the first course.

These seminars are designed to enhance the ability of producers, sales support staff, and company personnel to efficiently create and distribute effective insurance programs. Participants leave with ideas that will produce sales results immediately.

While not a requirement, it is recommended that courses are taken in order.E&O Discounts apply for Utica National Policy Holders.

Each of the 3 courses are approved for 7 CE in
AZ | CA | ID | MT | NM | NV | OR | WA

Course Modules

Position for Success

Implement for Success

Sustain Success

During this workshop, participants focus on internal and external factors affecting
the creation of effective business development goals.

Factors discussed include:

current state of the insurance                 marketplace

competitive pressures

insurance carrier underwriting criteria

consumer expectations.

During this workshop, participants learn:

specific tools for analyzing consumer needs

how to utilize risk identification techniques to gather pertinent prospect

skills necessary to assimilate information gathered into customized coverage recommendations

how to prepare a complete submission

tips for preparing and presenting a comprehensive insurance proposal

This workshop focuses on fulfilling the implied promises contained in the insuring agreement.

Participants will:

review methods of providing evidence of insurance coverage

discuss policies and procedures for controlling errors and omissions including policy review and delivery, endorsements, claims-processing, and handling of client complaints

learn how to calculate the lifetime value of a client and techniques for generating referrals.

CPIA Update Requirement

The Certified Professional Insurance Agent designation stands for professionalism, commitment to professional training and results, and technical knowledge. To maintain the right
to use the CPIA designation, designees must complete an update on an annual basis * or maintain a Ruby, Sapphire or Diamond level membership with the CPIA Program.

* CPIA 1, CPIA 2, CPIA 3, Special Topics:

An Agent’s Guide to Understanding and Mitigating Cyber Exposures

Disaster and Continuity Planning for Business and Families

An E&O Loss Control Program for Agencies

In 2023 homeowners insurers had the worst underwriting results they’ve seen in the last 10 years. S&P Global Market Intelligence said the net combined ratio for homeowners lines — excluding policyholders’ dividends — was 110.5.

It’s the highest homeowners combined ratio since 2011’s ratio of 121.9.

The usual culprits are blamed — inflation and a record number of billion-dollar losses from events like Hawaii’s disastrous wildfire on Maui. Net underwriting losses were $15 billion in 2023. That compares to 2022’s loss of $5.9 billion.

  • Net losses and adjustment expenses rose to $101.3 billion.
  • That’s an increase of 21.3% over 2022’s figures.
  • Net premiums earned rose 10.8% to $119.9 billion.
  • Other underwriting expenses totaled $33.4 billion compared to $30.6 billion in 2022.

Only Chubb and Amica Mutual Insurance saw their combined ratios drop under 100. The other insurers in the 20 largest all saw their combined ratios top that number. Chubb’s combined ratio was 89.6 in 2023 and Amica’s was 97.4.

In total, homeowners insurers saw direct written premiums hit $152.5 billion. That compares to $133.8 billion in 2022.

Here’s more from the report:


Loss ratio: 75.5

LAE ratio: 9.0

Expense ratio: 26.1

Net combined ratio: 110.5


Loss ratio: 68.1

LAE ratio: 9.1

Expense ratio: 26.9

Net combined ratio: 104.0

Going back to 2004

Loss ratio: 56.6

LAE ratio: 9.9

Expense ratio: 28.7

Net combined ratio: 94.2

Source link: Insurance Journal —