The session will address:
- Identify the state agencies and statutory framework that govern Florida insurance agents, and understand why regulatory awareness is a continuing professional obligation, not a one-time licensing event.
- Summarize the core Florida statutes governing agent conduct — licensing, unfair trade practices, and claims handling — and understand the general direction of recent Florida insurance-law developments relevant to commercial property and casualty lines.
- Apply core ethical decision-making frameworks and Florida’s expectation of good faith conduct to realistic motor carrier insurance scenarios, going beyond the legal minimum described in the preceding sections.
- Identify current developments in the motor carrier and commercial auto insurance market — litigation trends, technology adoption, and evolving exposures — and understand why tracking these trends is part of an agent’s professional obligation.
- Recognize the categories of agent conduct that most commonly result in Florida disciplinary action, and understand how routine business shortcuts can escalate into license-threatening violations.
- Understand the regulatory requirements governing premium discount programs in Florida and the agent’s obligation to apply them accurately and honestly for motor carrier and other commercial risks.
- Apply the concept of suitability — ensuring recommended coverage genuinely matches the insured’s actual exposure — to commercial property and casualty placements for motor carriers.