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

 

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

CPIA 1
Position for Success

CPIA 2
Implement for Success

CPIA 3
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
information

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

It’s doggone hard — if you’re an insurer — to set homeowner’s risk for dogs. When setting policy price risk considerations are the breed, tendency to bite, or do other damages, etc. If you’re an insured, the breed of dog matters when it comes getting an insurance company to consider insuring them.

It all seems so confusing and — sometimes — so unfair.

Worse, the individual states all seem to have different rules as to the what and how, and why of insuring a dog or dogs. This brings us to Arizona.

In the PIA Western Alliance state of Arizona, the Arizona Legislature passed A.R.S. §20-1510. It relates to dogs and how they fit into a homeowners policy. The Arizona Department of Insurance and financial Institutions has now put the new regulations in place and they go into full effect on June 30th.

The new law starts with making it clear that an insurer cannot discriminate against someone owning a certain breed of dog, and that breed of dog can’t be the sole reason an insurance company does any kind of an underwriting action.

It also puts some definitions into place. The first is breed. It is defined as the actual or perceived breed or mixture of breeds for a dog. Many dogs are defined as a breed when they’re actually just a type of dog. So insurers now have to pay attention to that.

A pit bull is an example. A of dogs can be defined as a pit bull. These are dogs that share similar characteristics. Among them are the American Pit Bull Terriers, Bull Terriers and American Bulldogs.

They share similar statistics with each other and are in the Pit Bull breed.

Many insurers have lists of dogs they won’t cover. Among them are the aforementioned Pit Bulls, Chows, Dobermans, German Shepherds and other large dogs capable of hurting someone if they go into attack mode, or if not attack mode, just get a bit more aggressive and hurt someone.

Just because they’re “that kind of dog” doesn’t mean they’re dangerous. The American Veterinary Medical Association notes what most of us already know. Any dog can bite. What kind of dog doesn’t matter as much as the behavior of the dog and its history.

The actions of humans that are around the dog also have to be taken into account if a dog bite occurs.

The second thing the law puts into place is a definition of policy of insurance. It is defined as the homeowner or renter’s insurance policy. Supporters of the law say this definition is important because a lot of breed ban problems happen within personal lines policies for people owning those breeds.

Here’s what A.R.S. § 20-1510 looks like for homeowners or renter’s insurance and how it defines dog breeds; prohibitions; definitions:

A. The breed of a dog may not be the sole factor considered or used for any of the following purposes:

1. Underwriting or actuarial processes for determining risk, liability or actual or potential losses related to claims involving dogs under a policy of insurance.

2. Questionnaires, surveys or other means of gathering information regarding ownership or possession of a dog or the presence of a dog on premises insured or to be insured under a policy of insurance.

B. For the purposes of this section:

1. “Breed” means the actual or perceived breed or mixture of breeds of a dog.

2. “Policy of insurance” means a homeowner’s or renter’s policy of insurance.

If you’re a PIA member agent in Arizona, or a non-member reading this story, definitions within the law and answers to frequently can be found on this link: https://difi.az.gov/faq?field_faq_category_target_id=1570

Source link: PropertyCasualty360.com — https://bit.ly/3qAImZz