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E&O - Roadmap to Personal Auto and Umbrella Insurance - Part 1

Total Credits: 3 including 3 CE Credit

Average Rating:
10% premium discount qualified |  Errors and Omissions
Samuel T Bennett, CIC, AFIS, CRIS, CPIA, CPRM |  Angelynn Heavener, CIC, CPIA
3 hr
Access for 30 day(s) after program date.



This course is Part 1 of 2 (3 hrs each) in this E&O module - As of January 1, 2020 3 hours of content must be taken to qualify for the 10% E&O premium discount!


This course is designed to help insurance producers prevent claims based on alleged errors or omissions in performance of professional duties in selling and servicing personal auto and personal umbrella insurance. In this course

  • Agent, broker, and producer are interchangeable terms
  • Prevent is used in the risk management sense—i.e., reducing the frequency or likelihood of claims

Focal point of the course: the agent who fully understands and skillfully customizes coverage not only demonstrates his or her value to clients but also avoids errors and omissions (E&O) charges that can result from a failure to meet clients’ needs

  • After an in-depth analysis of the standard personal auto policy (PAP) and how it applies, this course shows how standard endorsements can customize coverage
  • A chapter examines common client questions and emerging issues: rental cars and transportation network companies
  • A final chapter emphasizes the important role of the personal umbrella
  • Each chapter concludes with sales tips and E&O loss control


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.


Angelynn Heavener, CIC, CPIA Related seminars and products

Angie Heavener began her insurance career in 1971 joining her family’s agency.  She held numerous positions in the agency consisting of CSR, producer, and eventually agency owner.  In 1993, she sold her agency to join the staff of the Professional Independent Insurance Agents of Illinois.  She began as assistant vice president of Marketing/Instructor and was shortly promoted to vice-president of Education.  She is currently the principal of Insurance Training Plus, Inc., a professional training and consulting firm focused on education and agency operations, that she began in 2002.


Angie served as education chairperson for the IIAI and PIIAI, as well as a committee member for the IIABA education committee.  She has also served on numerous other state and national committees.  Angie received the Young Agent of the Year Award in 1991, obtained her Certified Insurance Counselor designation in 1994, and her Certified Professional Insurance Agent designation in 1999.


Angie teaches numerous property and casualty education seminars throughout the country and is a frequent speaker at state conventions.  Angie also teaches sales, service and operations programs.  She is a national faculty member of the Society of Certified Insurance Counselors. 


Angie is an approved auditor for a number of E&O carriers and conducts internal Errors and Omissions audits on agencies throughout the country.  She also consults with agencies on developing procedures, workflows and sales centers. Angie co-authored a book on Errors and Omissions audits and writes articles for various state insurance association magazines.


Wed, Jun 14, 2023 - 10:00am to 12:56pm EDT
Tue, Jun 27, 2023 - 12:00pm to 02:56pm EDT
Mon, Jul 10, 2023 - 02:00pm to 04:56pm EDT
Fri, Jul 21, 2023 - 04:00pm to 06:56pm EDT
Mon, Aug 07, 2023 - 10:00am to 12:56pm EDT
Wed, Aug 23, 2023 - 12:00pm to 02:56pm EDT
Thu, Sep 14, 2023 - 02:00pm to 04:56pm EDT
Fri, Sep 29, 2023 - 04:00pm to 06:56pm EDT
Mon, Oct 09, 2023 - 10:00am to 12:56pm EDT
Wed, Oct 25, 2023 - 12:00pm to 02:56pm EDT
Mon, Nov 06, 2023 - 02:00pm to 04:56pm EST
Tue, Nov 21, 2023 - 04:00pm to 06:56pm EST
Thu, Dec 07, 2023 - 10:00am to 12:56pm EST
Fri, Dec 22, 2023 - 12:00pm to 02:56pm EST

State Specific Details

State Approval Information Details

NJ - This course is approved for 3 hrs CE - Course# 88902137


Promo Video



Overall:      4.7

Total Reviews: 711


Elizabeth G - Brawley, California

"I've been in the business for 30 plus years and STILL LEARNED SOMETHING!!"

Preston C - Chattanooga, Tennessee

"Very informative!"

Sarrah R

"Very professional and informative instructors."

Kerrie I - Hixson, Tennessee

" "

Paula P - Overgaard, Arizona

"I was very satisfied with the presenters and the information. I was especially happy with the way they explained issues with EXAMPLES to help explain a coverage. "