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E & O - Commercial Liability Coverage Gaps and How To Fill Them - Part I

Total Credits: 3 including 3 CE Credit

Average Rating:
10% premium discount qualified |  Errors and Omissions
Sharon A, Koches, CPCU, RPLU, AAI, AU, ITP |  Joni Fairbrother
3 hrs
Access for 30 day(s) after program date.

Please Note: Programs with a ☾ insignia begin after 5pm or air on the weekend.


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!

Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving commercial liability insurance. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations.

Learning Objectives


On completion of this course and Part 2, the student should be able to recognize and prevent many of the problems associated with selling and servicing

  • commercial general liability insurance,
  • commercial auto insurance,
  • workers compensation and employers liability insurance, and
  • commercial excess and umbrella policies.

Course Materials


Sharon A, Koches, CPCU, RPLU, AAI, AU, ITP's Profile

Sharon A, Koches, CPCU, RPLU, AAI, AU, ITP Related seminars and products

Managing Performance, LLC.

Sharon Koches, owner/consultant of Managing Performance, LLC is an Insurance Educator, consultant and industry resource.  She is also a consultant for Agency Management Resource Group and serves on the National CPCU Society Leadership Council.


Sharon was Vice President of Insurance Operations & Technical Affairs at the Independent Insurance Agents of North Carolina (IIANC). A member of the Senior Management Team, responsibilities included technical affairs, management of IIANC’s Errors & Omissions Program, Group Insurance Program, Market Access Program and the insurance operations for the North Carolina Association of Insurance Agents (NCAIA), an affiliated corporation of IIANC which is responsible for placing the insurance coverage for the State of North Carolina, including state agencies, departments and universities.  In addition she was responsible for special projects, creating and instructing educational courses and symposiums, and consulting on agency procedures and technical issues.

Prior to that, Sharon was with The Institutes (previously the American Institute for CPCU/ and the Insurance Institute of America) serving as a sales executive in the Southern Region, as well as liaison to the Independent Insurance Agents and Brokers of America (IIABA).

Sharon was an account manager, a field underwriting/production position, for Selective Insurance Company’s Alternative Market/Large Accounts Department (SRM). Her other positions at Selective included specialty lines account manager and agency management specialist (small/middle market field underwriting/production). She also handled Casualty Facultative Reinsurance. 


Fri, Jun 23, 2023 - 04:00pm to 06:55pm EDT
Tue, Jul 11, 2023 - 10:00am to 12:55pm EDT
Sat, Jul 22, 2023 - 12:00pm to 02:55pm EDT
Wed, Aug 02, 2023 - 02:00pm to 04:55pm EDT
Fri, Aug 18, 2023 - 04:00pm to 06:55pm EDT
Thu, Sep 07, 2023 - 10:00am to 12:55pm EDT
Fri, Sep 22, 2023 - 12:00pm to 02:55pm EDT
Thu, Oct 12, 2023 - 02:00pm to 04:55pm EDT
Tue, Oct 24, 2023 - 04:00pm to 06:55pm EDT
Wed, Nov 08, 2023 - 10:00am to 12:55pm EST
Mon, Nov 27, 2023 - 12:00pm to 02:55pm EST
Mon, Dec 11, 2023 - 02:00pm to 04:55pm EST
Fri, Dec 29, 2023 - 04:00pm to 06:55pm EST

Promo Video



Overall:      4.7

Total Reviews: 1116


Dawn H

"These ladies are clearly very knowledgeable"

Lince Q

"I appreciated the examples given"

Karen R - Bethesda, Maryland

"I did not need to submit any questions because so well done"

Jason J

"Good session"

Sandy A - Washington, District of Columbia

"Thank you!"