How insurance reaches the buyer: distribution systems

Agent or broker: whom does the producer represent?

Express, implied and apparent authority; field underwriting

Property, casualty and personal lines licenses

Solicitors and surplus line brokers

What "transact" means, and transacting without a license

Federal law: 18 U.S.C. §1033 and written consent

Errors and omissions (E&O) insurance for producers

Two prohibited practices: helping nonadmitted insurers, and free insurance

Agency names, address changes and background reporting

Renewal, license numbers and internet ads

Investigating applicants, denying applications, and suspending licenses

Appointments, inactive licenses, surrender and termination

Fiduciary duty: premium money is not your money

Continuing education, and telling the client when coverage starts

Ethics: the nine mandates, and why the law is only the floor

Pretext interviews

Admitted or nonadmitted; domestic, foreign or alien

Who owns the insurer: stock, mutual, fraternal, reciprocal, RRG

Inside an insurer, and who may be one

Who regulates insurance: McCarran-Ferguson, the Code, Title 10 and the Commissioner

The Unfair Practices Article (§790.03) and its penalties

Financial privacy: CalFIPA and the Insurance Information and Privacy Protection Act

HIPAA, California privacy notices, CCPA and Shine the Light

Insolvency and conservation

CIGA: the safety net when an admitted insurer fails

Insurance fraud: red flags, perjury, and what an agent should do

Prohibited underwriting on homeowners and personal liability (§§679.70–679.74)

How California regulates rates; "shall" vs. "may"; notice by mail

Fair claims settlement: the sixteen practices, key definitions and claim files

Claim deadlines: 15, 40, 30, and matching after a loss

Surplus lines: what they are and when you may use them

Working with a surplus line broker: no binding authority, LASLI and the IID List