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Shedding New Light on Ethics and Insuring Home-based Businesses in 2021

Ethical Challenges & Consequences

NEW FOR 2021! 3 CE Hours

(Meets State Ethics CE Requirements)

February 24th
9 A.M. – 12 P.M.

Ethical Challenges and Consequences explores actual ethical lapses of insurance professionals. Information from state insurance department shows what went wrong and how the state’s insurance regulations, and/or applicable local laws, were enforced. The ethical challenges are covered on a case-by-case basis, providing students and instructors opportunities to discuss what motivations or temptations that might have contributed to the misdeeds.


Insuring Home-Based Businesses

3 CE Hours

February 24th
1 P.M. – 4 P.M.

Did you know there are over 40 million “home offices” and over 11 million home-based businesses? How many of your homeowner’s policy clients might have some sort of home-based business? The Homeowner’s Policy does not cover liability exposure from a business, and has little property coverage for business equipment. This course defines what a business is, and the insurance limitations of having a business at home. We discuss the differences in owning your own business versus running a business you do not own. We discuss endorsements to increase coverage for a business at home. We define what Incidental farming is and what coverage is available for that risk.

We address the question: when should a person running a business from home consider buying a full-blown commercial policy to cover their risk exposures?



For May and September online CE courses

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About the Instructor:


Rick is the Director and teaches continuing education and pre- licensing courses for ITC. Before becoming an instructor, Rick spent 17 years with Farmers Insurance in a variety of position including district manager, district training and administrative assistant, division agency manager, commercial sales representative, agency computer training representative, and commercial policy processing supervisor. He also spent six years with Shelter Insurance as a district sales manager. Rick’s honors and awards include Indiana District Manager of the Year, President’s

Council district manager, Championship, and multiple Toppers Club awards with Farmers Insurance; winning multiple life sales contests and Conference of Champions with Shelter Insurance; and serving his local NAIFA as President for multiple terms and serving on the Indiana NAIFA speakers bureau. Rick and his wife, Susan, have four children and five grandchildren. In his spare time, Rick enjoys fishing, writing, and family.

Class Details

 Date & Time: February 24th; 9 a.m. – 12 p.m. and 1 p.m. – 4 p.m.
Location: Virtual
Cost: Free

Overview of 2021 Online Webinars:

February 24th

Ethical Challenges & Consequences / 3 CE Hours

Insuring Home-Based Businesses / 3 CE Hours

May 20th

Today’s New Insurance Risks / 3 CE Hours

Fundamentals of Dwelling and Homeowners Policies / 3 CE Hours

September 2nd


Idaho’s Trusted Disaster Cleanup Resource