. What This Course Will Cover  Submissions—The Basics  Account Review—Identifying Exposures  Structuring Coverage  Marketing  Applications  Proposals  Renewals 1

. Submissions The Basics Standard of Care 2 Based on Regulations To the Insurance Customer To the Insurance Company

. Basics of Standard of Care  Based on Regulations  Compliance with such issues as GLBA, Privacy Acts, authority as an agent/broker  To the Insurance Company  That the submission qualifies for the insurance carrier  That you are honest and accurate  To the Insurance Customer  Ordinary care to obtain the coverages they have requested 3

. Standard of Care and Submissions  The submission for insurance is the culmination of several steps in a process  Acquiring the customer  Identifying the insured’s exposures to risk that can be transferred to insurance  Gathering all the necessary information from the insured for example  Values  Listing of locations 4

. Standard of Care and Submissions  Completing the application  Submitting the application to “various” insurance carriers  Obtaining quotations  Choosing the right company based on coverages and pricing 5