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Video On Demand

Adding Value In Personal Lines

Total Credits: 3 including 3 CE Credit

Average Rating:
Personal Lines |  Personal Lines - Advanced |  Personal Lines - Basic |  Professional Development
Samuel T Bennett, CIC, AFIS, CRIS, CPIA, CPRM
Course Levels:
3 Hours
Access for 90 day(s) after purchase.


Our personal lines clients depend upon us to place proper coverages as a major part of their risk management strategy. The property and liability coverages we place on their behalf may ultimately stand between them and bankruptcy in the event of a large loss. This presentation will address the exposures our personal lines clients have which are not well-handled by their unendorsed ISO Homeowners and Personal Auto Policies. A review of endorsements available in these programs will remind the participant that, as all clients are unique, it is routinely necessary to discuss the need for and availability of these very important coverage enhancements. The presentation will conclude with a review of the Personal Umbrella/Excess Liability coverage needs of the personal lines client and discussion of coverages currently available to meet those needs.

Basic Course Information

Learning Objectives
  • Recognize the importance of protecting our Personal Lines clients with proper coverages, endorsements and limits of insurance
  • Understand that 'base' coverage forms are not sufficient for all clients and that coverages must be molded to fit the needs of each client
  • Determine the importance of definitions, insuring agreements, exclusions and conditions in constructing coverage for each client
  • Realization that what we do, as insurance professionals may be the only thing standing between our clients and financial ruin 

Major Subjects
  • Review of important definitions in the ISO Homeowner Program
  • Determination of what Coverages A, B and C provide
  • Recognition of exclusions/conditions that pose our HO insureds challenges - and endorsements that can effectively address those challenges
  • Using the Personal Auto Policy to secure necessary coverage - including defense - for our clients and their family members

Course Materials


Samuel T Bennett, CIC, AFIS, CRIS, CPIA, CPRM's Profile

Samuel T Bennett, CIC, AFIS, CRIS, CPIA, CPRM Related Seminars and Products

Sam Bennett is an active retail producer, presenter, and shareholder in Harrison Agency, Inc. of Columbia, MO. He began his insurance career in 1987 and has been an Independent Insurance Agent from the beginning. He has worked with individuals, families, and small businesses his entire career. In this capacity, he has worked in the personal lines, commercial lines, agribusiness and life and health marketplaces. As a result of working with many types of clients, many carriers, and many coverage needs, Sam has grown to understand and appreciate the important ways an insurance professional must work with markets and clients in today’s insurance world.

Sam obtained his Certified Insurance Counselor (CIC) designation in 1996. He has taught coursework for the National Alliance in their CISR program since 2000, has presented in their CIC program since 2004, and in 2009 became a National Faculty Member of the Society of CIC. Sam is also a speaker in IRMI’s Agribusiness and Farm Insurance Specialist (AFIS) program and is a speaker in the AIMS Society’s Certified Professional Insurance Agent (CPIA) program. He has been called upon to offer insurance education in conferences and symposiums across the country over the past twenty plus years.

As much as he enjoys speaking on insurance topics, Sam’s true passion is cooking. BBQ and soul food are his specialties. He likes nothing more than a lively pulled pork/crawfish/catfish/collard green discussion.


State Specific Details

State Approval Information Details KY - This course is approved for 3 hrs CE - Course# C26801

Basic Course Information

Course Developer Samuel T. Bennett CIC, AFIS, CPRM, CRIS, CPIA
Designed For This presentation is designed to introduce the newer agent to concepts that they will need to understand in order to increase their efficiency as well as remind the seasoned personal lines insurance professional that risks change and that we must anticipate and properly address those changes.

Promo Video



Overall:      4.8

Total Reviews: 113