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page9APublicationofIndependentInsuranceAgentsofWVIIAWVAnnouncesneWLosscontroLseMInArx1ceAndoriskmAnAgementmeetingthechAllengeofchAngex1dTheIndependentInsuranceAgentsofWestVirginiaisverypleasedtoannouncethe6rstmajorrevisionintheErrorsandOmissionsLossControlseminarinseveralyears.Thenewcourseofferingistitledx1cEORiskManagementMeetingtheChallengeofChange.x1dTheBestPracticesapproachstillworkswellandthesamelosscontrolproceduresapplybutthisyearx19scoursewillbeginwithareviewtheconceptsofthelawofagencyincludinghowtheagencyrelationshipisestablishedandtheagentsx19dutiesowedinthelawofagencytothecarrier.ThiscoursewillexplorethekeyprovisionsofagencyagreementsandunderwritingguidelinesthatcouldcreatepotentialEOexposures.Itwillalsoexplorehowanagentx19sstandardofcareisdeterminedalongwithkeycomponentsfordeterminingnegligenceonthepartoftheagent.Itwilldiscusstheconceptofbalancingtheagentx19slegaldutiestothecustomerwhilerunningtheagencyinawaythatcreatesmorecustomervalue.AttendeescanalsoplantoreviewtheexposuresthatmaycauseanuncoveredclaimsupportedbycurrentstatisticsbothonanationalbasisandforWestVirginiainparticularinordertoidentifythoseareasthatrequireafocusofriskmanagementefforts.ThiscoursewillreviewwhoissuingagentsalongwithsomeofthekeyconsiderationsaffectinganagencyfacedwithapotentialEOclaim.InsuranceprofessionalsrelyprimarilyontwodefenseswhenfacedwithanEOclaimx131invariablepracticeand2documentation.Understandingtheneedtodocumentwhatismeantbyx1cgooddocumentationx1dandtheadvantageofusingdisclaimerlanguagearejustsomeofthekeypointsofdiscussion.Itisunderstoodthatoperationsofinsuranceagencieswillvarygreatlybasedonsizerepresentationandgeographiclocation.Overtimeagencieshavealsohadtoadapttheiroperationsbecauseofchangesincarriercapabilitiesandwork7owstheimplementationoftoolslikeuploaddownloadandcompetitiveraters.Thiscoursewillexplorethoseareasofanagencyx19sdailyoperationthatmayopenthemuptoanEOlossanddiscussthepointsofindustrypracticethatcanbeconsideredminimumstandardsofcarex13gooddocumentationstillmeansgooddefense.Attendeeswillalsobeprovidedwithreferencesourcesfor6ndingadditionalinformationandresourcesthatareavailabletothemiftheyknowwheretolook.Backbyverypopulardemandtheinstructorforthisyearx19scourseisBobFulwiderfromWestLibertyIowa.BobisapastchairmanoftheIndependentInsuranceAgentsBrokersofAmericaandistheprincipalandExecutiveVicePresidentoftheRayWuestenbergAgencyInc.ofWestLibertyIowaandprincipalandExecutiveVicePresidentoftheFulwiderAgencyInc.ofWestBranchIowa.HeisalsopresidentofBobFulwiderandAssociatesalifeandhealth6nancialplanningagencyinEasternIowa.FulwiderwaselectedtotheExecutiveCommitteeoftheIndependentInsuranceAgentsBrokersofAmericaIIABAinSeptember2002andinstalledaschairmaninSeptember2007.PriortohiselectiontotheExecutiveCommitteeFulwiderservedtheIIABAaschairmanofIIABAx19sGovernmentAffairsCommitteeaschairmanofthePersonalLinesCommitteeaschairmanoftheFarmAgri-BusinessCommitteeandasthe6rstchairmanoftheMarketsDevelopmentCommittee.Heistheassociationx19sfederalaffairsrepresentativeoncropinsuranceissuesandisacerti6edinstructorforIIABAx19sBestPracticesseries.FulwiderisaformernationalboarddirectorandpastpresidentoftheIndependentInsuranceAgentsofIowaIIAIandcurrentlyservesonthestateassociationx19sInsuranceEducationFaculty.In1992heformedCreativeAdventuresinInsuranceEducationanewcorporationdesignedtoprovideinsuranceagentandindustrytraininginpolicystudybusinessplanningandagencymanagementthroughoutthecountry.Fulwiderhasbeenhonoredwithawardsonboththestateandnationallevels.Heisthe6rsthonoreeintheIowaassociationx19shistorytoreceivethegroupx19sAgentoftheYearAwardtwice.HehasbeenhonoredwithtwoIIABAPresidentialCitationsin1987and1994.In2002FulwiderwashonoredwiththeSydneyO.SmithIIABAx19shighestindividualgovernmentaffairshonor.InthatsameyearhewasnamedtotheIowaInsuranceHallofFame.FulwiderholdsaB.S.DegreeinAgricultureEducationandanM.S.DegreeinHigherEducationfromIowaStateUniversity.HeresidesinWestLibertyIowawithhiswifeJan.ThiscoursewillbeofferedatLakeviewGolfResortSpaonTuesdayOctober162012andattheCharlestonMarriottTownCenteronWednesdayOctober172012.Theadvanceregistrationfeeforthiscourseis130formembersand160fornon-membersandwalk-ins.Registrationopensat830andclasswillrunfrom900amx13400pmwithalunchbreakatnoon.Lunchwillbeprovided.Registrationisnowavailableonlinebycx18ickinghx13x1cx13.MARKYOURCALENDARSeolx1bx1dx1dCx1bnx1ex1cx1bx18sx13x19inax1cx1docx1ex1bbx13x1c16x1ehlakx13vix13wrx13x1dx1bx1cx1emx1bx1cganx1ex1bwnWVocx1ex1bbx13x1c17x1ehmax1cx1cix1bx1etx1bwnCx13nx1ex13x1cChax1cx18x13x1dx1ex1bnWV