TWFG Commercial Business School – Commercial 101
Commercial 102
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial 101 – 104
Commercial 101
Overview
Commercial Insurance Basic Terms
Commercial Insurance Polices: Overview
Important Auxiliary Coverages
ACORD Forms Overview
Commercial Lines Workflow Process
Submission Checklist
Post-Binding Checklist
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial 101 – 104
Commercial 102
How Does the Underwriting Process Operate?
Commercial Insurance Policy Coverages: First Level Detail
Silverplume Overview (Live Demo)
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial 101 – 104
Commercial 103
Commercial Lines Basics Property: COPE
Commercial Lines Basics Property: Building
Commercial Lines Basics Property: Business Personal Property (BPP)
Commercial General Liability (CGL)
Module 3 Case Study
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial 101 – 104
Commercial 104
Commercial Auto
Multi-Line Policy Types
Workers Compensation Overview
Endorsements Common to Most Policies
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Agenda
The Underwriting Process
Silverplume Demo
Policies Overview
Detail Dive on GL (Including Dec Page)
Second Level Detail on All Other Policies
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Learning Objectives
How to navigate Silverplume/VRC and use information to help you sell
To understand the Underwriting process functions when evaluation the
major exposures of a CL risk
Become more familiar with the individual coverages provided by the
major CL policy types
To understand the workflow process for submissions to the CBU
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
What is Underwriting?
Underwriting is the process of evaluating the characteristics of a
risk that affect the likelihood of a loss.
For example, a buildings construction type and contents have a
major effect on how quickly a fire might spread. In determining
what characteristics to evaluate, it helps to understand a particular
risk’s exposure to loss.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How does the Underwriting function operate?
Let’s look at an electrical contactor as an example, and list the
exposures to loss by line of coverage:
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
General Liability
Premises:
Customers do not usually come to an electrical contractor’s place of
business. Customers usually call the contractor and ask them to come
to their location to bid on a job. As such, there is very minor exposure
to a liability loss on an electrical contractor’s premises. Compare this
to a retail hardware store, where customers are on the premises
constantly
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
General Liability
Operations:
The contractor might injure another contractor while working on a
project. The contractor might wire a generator incorrectly while
working on a building and damage the generator
Things to evaluate:
Years in business
$ amount of average contract
Presence of a formal Safety program
Hiring requirements (journeyman or higher)
Loss Runs
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
General Liability
Products:
Since electrical contractors do not manufacture a product, there is
virtually no products exposure. Their “work product” is considered
either operations (while in progress) or completed operations (once
completed)
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
General Liability
Completed Operations:
Any damage or injury caused by the insured’s work after operations
have been complete. An example might be a fire that starts two
weeks after a job is completed, and it is caused by improper wiring
done by the contractor
Things to evaluate:
Same as operations
The primary GL exposures for this type of contractor are Operations
and Complete Operations
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
Commercial Property & Inland Marine
Typically warehouse operation
Tools & Supplies stored on premises
May have a “Yard”, typically fenced & that may house vehicles,
mobile equipment, spools of underground electrical cable
If insured owns building, then building coverage needed
All building contents covered under BPP
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
Commercial Property & Inland Marine
Mobile equipment, ex., cherry pickers, would be covered on IM as
might tools
Supplies kept on job site covered on Installation Floater form of the
Inland Marine. Would cover fixtures, wiring, outlets, etc
Installation floater typically covers transit and is in effect until the
building owner accepts work as complete
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
Commercial Property & Inland Marine
Things to evaluate:
Security at job site
Overall value of items
Attractiveness to theft/convertibility
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
Business Auto
All vehicles owned and registered to the business would need to be
covered. If the insured’s employees use their personal trucks for
business purposes, then a special endorsement would be needed
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
Business Auto
Things to evaluate:
Number of Units
Types of Units
Radius of Operations
Driver Requirement Program
Minimum number of years experience
Acceptable driving record (max # of tickets/accidents)
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
Business Auto
Things to evaluate (continued):
Driver Requirement Program (continued)
Formal accident review program
Required to train w/ experienced driver on larger units
Regular MVR program
Do employees take units home
Are vehicles stored in a locked and secure area
Formal maintenance program
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
Workers Compensation
All of the insured’s employees should be covered for injuries sustained
while in the course of doing their jobs. Coverage would also apply for
injuries suffered in an auto accident while operating a company truck
Things to evaluate:
Formal safety program
Frequency of safety meetings
Formal lockout-tag program
Enforced use of safety equipment
Formal accident investigation program
Back – to – work program offering light duty
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
How Does the Underwriting function operate?
Professional Liability
Sub-Contractors normally do not need to obtain Professional Liability
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial 102 Glossary
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Bodily Injury:
Physical bodily injury/sickness or disease, up to and including death.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Property Damage:
Physical damage to tangible property, including loss of use to that
property, or loss of use to tangible property that is not damaged.
Example: A contractor is doing work to the entrance of a building and has
scaffolding erected. The scaffolding collapses and takes 2 days to clean
up, during which time customers cannot gain entrance to the building.
Although no physical damage has taken place to the building, there is loss
of use.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Note –
Bodily injury or Property Damage must take place for coverage to be
triggered under the CGL policy
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Occurrence:
Accident, including repeated exposures to substantially the same
conditions.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Contingent Liability:
When one party is held responsible for the actions of another party.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Occurrence Limit:
The most to be paid out for any one occurrence. Each loss paid as an
occurrence reduces the associated aggregate limit for the policy term.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Aggregate Limit:
The most to be out for any one occurrence. Each loss paid as an
occurrence reduces the associated aggregate limit for the policy term.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Premium Base:
The activity that best measures the total exposures associated with a class
of business. For sales oriented businesses, the premium base is Gross Sales.
For service and contract businesses, the base is payroll. For lessors and
building occupancy risks, the premium base is square footage. For some
manufacturing businesses, the base may be units. The premium base is
what you input on the General Liability ACORD app.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Premium Audit:
Most General Liability and Workers Compensation policies are subject to
audit. The audit is where actual sales/payroll is compared to the estimated
sales/payroll reported on the apps at the beginning of the policy period.
Any significant difference results in an additional premium due, or a refund.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages – Detail Overview
Commercial General Liability (CGL)
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Coverage A: Bodily Injury & Property Damage
Definitions:
Bodily Injury – Bodily injury, sickness & disease
Property Damage – Physical injury to tangible property,
including loss of use of tangible property that is
not damaged
Occurrence – Means accident, including repeated
exposures to substantially the same conditions
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Coverage A: Bodily Injury & Property Damage
Definitions:
Bodily Injury – Bodily injury, sickness & disease
Property Damage – Physical injury to tangible property,
including loss of use of tangible property
that is not damaged
Occurrence – Means accident, including repeated
exposures to substantially the same conditions
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Coverage A: Bodily Injury & Property Damage
Definitions:
Premises – Review
Operations – Review
Completed Operations – Review
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Coverage A: Bodily Injury & Property Damage
Definitions:
Products – Note that your work and your product are
excluded, as are product recalls
Contractual – The assumption or transfer of risk through a
contract
Common example would be a lease
agreement where the owner of the
building transfers the premises risk to the
tenant by contract
The policy excludes contractual liability,
but then goes on to make a number of
broad exceptions making most contracts
covered
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Coverage A: Bodily Injury & Property Damage
Definitions:
Contingent – (Responsible for the acts of others)
An example would be a store that hires a
contractor to do some renovations and a
customer is injured by the contractor’s
faulty work. The customer may sue the
store as being responsible for the acts of
the contractor (through their
responsibility to select a competent one)
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Coverage A: Bodily Injury & Property Damage
Definitions:
A Word About Liquor Liability – The liquor liability
exclusions is intended to exclude liability for those in the business of
manufacturing, selling or distributing alcohol. Host liquor liability is
covered. For example, a business throws an office party and serves alcohol.
One of the employees drinks too much and gets in a fight and injures
someone on the way home. The employer gets sued by the injured party for
serving the employee too much alcohol, leading to their injuries. Liability in
this case would not be excluded
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Coverage B: Personal & Advertising Injury Liability
Specifically Listed Offenses – Named Perlis
False Arrest – Wrongful detention-a big exposure for
retail stores that employ security to detain and
apprehend suspected shoplifters
Malicious Prosecution – When filing a suit against
someone in anger or retaliation and is shown to be
baseless of frivolous. The act of filing the suit
becomes a tort offense
Wrongful Eviction – Significant exposure for both
commercial and residential landlords
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Coverage B: Personal & Advertising Injury Liability
Specifically Listed Offenses – Named Perlis
Slander/Liable – False public statements, either verbal or
written
Violation of Privacy Rights –
Copyright Infringement –
Separate Limit Under the Policy
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Coverage C: Medical Payments
No-fault or goodwill coverage
Separate limit under the policy, usually $5000 or $10,000
No Bodily Injury only
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TWFG Commercial Business School
Commercial 102
Commercial General Liability
Supplementary Payments
Defense Costs
These cost are outside the policy limit, meaning that they do not
reduce the policy limit
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Policy Limits (See sample Dec page)
Occurrence Limit
Max paid out on any one occurrence for Coverage A or C
(not including Products/Completed Operations)
Each loss diminishes the associated Aggregate limit
Aggregate limit replenishes if the policy renews
Separate Limits
Premises Rented to You, Personal & Advertising
Injury and Medical expenses have separate limits
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Policy Limits (See sample Dec page)
Aggregate Limit
Max paid out during a policy period for all losses associated
with the aggregate
The aggregate can be exhausted, leaving the insured
without coverage limits for the remainder of the policy term
General Aggregate applies to all Premises, Operations,
Personal & Advertising, Medical Expense, and Premises
Rented to You losses
Products/Completed Operations has a separate Aggregate
Limit. These losses do not reduce the General Aggregate
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Exposure Classifications
Premium Base
For each type of business, the GL rate is based on a
particular Premium Base. This base must be something
that is easily counted, and it should be the best measure
of the businesses activity (payroll or gross sales, for
example)
Business Classification
All business risks are broken down into 5 major business
classifications. The businesses in each classification share
the common exposure and risk factors, and usually are
measured by the same premium base
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Putting it Together
Here are 5 business classes and the associated Premium Bases
Manufacturing or Processing
Premium Base: Gross Sales or Total Units (250M
tons of iron)
Common Exposures: Products
Contracting or Servicing
Premium Base: Payroll, Total cost of subs
Common Exposures: Operations/Completed
Operations
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Putting it Together
Here are 5 business classes and the associated Premium Bases
Mercantile (Stores, Wholesalers, Distributors
Premium Base: Gross Sales or Units
Common Exposures: Premises
Building or Premises (LRO, Offices
Premium Base: Area (square footage)
Common Exposures: Premises
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Putting it Together
Here are 5 business classes and the associated Premium Bases
Miscellaneous
Premium Base: Varies
Common Exposures: Varies
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Commercial General Liability
Premium Audit
Often times you will hear that the GL premium is auditable.
What does that mean?
The premium charged for CGL is based on premium
exposure units (area, total units, payroll, and sales). With the
exception of area, these exposure units are estimated at the
policy inception, and will likely be different at the end of the
year from the estimated amount. In order for the premium
charged to be accurate and fair, the final amount charged
needs to be based on the actual sales, payroll, etc. Therefore,
at the end of the policy period (one year later) the insurance
company audits the actual payroll or sales figures and
adjusts the premium charged accordingly. This usually
results in a returned premium (RP) or an additional
premium (AP).
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial General Liability
Premium Audit
Often times you will hear that the GL premium is auditable.
What does that mean?
Therefore, it is very important that the estimated figures
have some basis in reality, and not be “estimated” in order to
achieve a lower initial premium. You can bet that the
insured will not the surprise of a large AP at the end of the
policy period.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Silverplume/VRC Demonstration
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages: Intermediate View
Commercial Property Policy (CPP)
Building
Including permanently attached equipment and machinery
Business Personal Property
Improvements and Betterments
Additional Coverages
Examples: debris removal, increased cost of construction,
fire department charge
Each with a separate sub-limit, usually a nominal amount
Sub-limits are within the policy limit
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages: Intermediate View
Commercial Property Policy (CPP)
Coverage Extensions
Newly acquired structures—usually $250,000/$100,000
Property off-Premises--$10,000
Each has a separate limit
Additional insurance beyond the policy limit.
Additional Coverage and Coverage Extensions typically have
their limits increased under carrier’s enhancement forms.
Enhancement Forms: Collections of GL and
Property coverages that are given higher limits
and/or broadened coverage. Addresses in one form
the types of increases typically requested. These
become more specialized, depending on the
industry segment.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages: Intermediate View
Commercial Property Policy (CPP)
Optional Related Coverages
EDP—Data is not tangible property
Business Income—For lost income due to a
temporary business shutdown
Builder’s Risk—For new and remodeling
construction –note that additions are
covered under the CPP form
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages: Intermediate View
Commercial Property Policy (CPP)
Optional Related Coverages
Inland Marine—For scheduled items Crime—Theft, robbery,
burglary
Equipment Breakdown— for losses resulting from
mechanical breakdown or electrical arcing affecting building
components, both excluded under the property form. Now
commonly included with enhancements.
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages: Intermediate View
Business Auto Policy (BAP)
Liability
Owned
Hired and Non-owned
Physical Damage
Optional Coverages
UM/UIM
PIP & Med Pay – No Fault
Towing
A host of endorsements to address various coverage issues
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages: Intermediate View
Workers Compensation and Employers Liability (WC)
Non-Fault coverage for injured employees (WC)
Third-Party action over liability claims involving employees (EL)
Dual Capacity claims brought by employees (EL)
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages: Intermediate View
Commercial Umbrella or Excess Liability
Provides limits above underlying policies
May provide coverages not found in underlying policies (expanded
Territory definition, property in the insured’s CC&C)
Replenishes limits on underlying polices when reduced by claims
payments (drop-down feature)
Meeting Underlying Limits requirements and avoiding Impaired
Limits
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages: Intermediate View
Professional Liability
Errors and omissions, negligence, in the performance of professional
duties
Not based on BI/PD
Economic Damages
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Commercial Insurance Policy Coverages: Intermediate View
Management Liability
Errors and omissions, negligence in the administration of a business
(excluded under the CGL)
Employment Practices Liability (EPLI) – discrimination,
sexual harassment, wrongful termination, retaliation
Fiduciary Liability – errors and omissions, negligence in
the administration of company sponsored pensions,
retirement savings plans, health plans
Directors & Officers Liability (D&O) – failure to perform
due diligence, careless management strategies resulting in
business failure, conflicts of interest, misrepresentation in
financial reporting
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Commercial 102
TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
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Commercial 102
TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
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Commercial 102
TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
QUIZ
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
1.
Where do you find the detailed information about
class of business exposures in Silverplume?
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
1.
Where do you find the detailed information about
class of business exposures in Silverplume?
Answer:
Under Risk Profiles.
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TWFG Commercial Business School
Commercial 102
2. What type of property must be damaged under the
CGL policy for coverage to apply?
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TWFG Commercial Business School
Commercial 102
2. What type of property must be damaged under the
CGL policy for coverage to apply?
Answer:
Tangible property.
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TWFG Commercial Business School
Commercial 102
3. If a shop welder is exposed to noxious fumes from
welding rods over a period of 5 years, how many
“occurrences” would this be under the CGL policy?
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Commercial 102
3. If a shop welder is exposed to noxious fumes from
welding rods over a period of 5 years, how many
“occurrences” would this be under the CGL policy?
Answer:
One.
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TWFG Commercial Business School
Commercial 102
4. What type of liability exists when one party is held
responsible for the acts of another?
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Commercial 102
4. What type of liability exists when one party is held
responsible for the acts of another?
Answer:
Contingent Liability
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Commercial 102
5. What type of negligence must an injured party show
in order to be paid under the Medical Payments
portion of the CGL?
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Commercial 102
5. What type of negligence must an injured party show in
order to be paid under the Medical Payments portion of
the CGL?
Answer:
None. Medical Payments is a no-fault coverage.
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TWFG Commercial Business School
Commercial 102
6. Bob’s Appliance Store is sued for false advertising.
The insurance carrier spends $50,000 on defense costs.
What affect will this have on the General Aggregate
limit of the CGL?
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TWFG Commercial Business School
Commercial 102
6. Bob’s Appliance Store is sued for false advertising. The
insurance carrier spends $50,000 on defense costs. What
affect will this have on the General Aggregate limit of
the CGL?
Answer:
None. Defense costs are Supplementary Payments, and those payments
lie outside the policy limits.
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Commercial 102
7. Bob’s Appliance Store has an Occurrence Limit of $1,000,000 and a
General Aggregate Limit of $2,000,000. During the year, Bob’s has
2 claims. A property damage claim for a water leak resulting from a
faulty washing machine installation that cost $50,000 to repair, and
a slip and fall claim in the store, where the claimant broke his hip.
Total surgery and medical costs were $100,000.
What happens to the Occurrence Limit after each claim?
What happens to the General Aggregate Limit after each claim?
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
7. Bob’s Appliance Store has an Occurrence Limit of $1,000,000 and a
General Aggregate Limit of $2,000,000. During the year, Bob’s has
2 claims. A property damage claim for a water leak resulting from a
faulty washing machine installation that cost $50,000 to repair, and
a slip and fall claim in the store, where the claimant broke his hip.
Total surgery and medical costs were $100,000.
a. What happens to the Occurrence Limit after each claim?
b. What happens to the General Aggregate Limit after each
claim?
Answer:
a. It replenishes to $1M
b. It is reduced by the amount of each claim
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
8. What is the proper exposure base for a plumbing
contractor?
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TWFG Commercial Business School
Commercial 102
8. What is the proper exposure base for a plumbing
contractor?
Answer:
Payroll
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TWFG Commercial Business School
Commercial 102
9. What is the proper premium base for a retail clothing
store?
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Commercial 102
9. What is the proper premium base for a retail clothing
store?
Answer:
Gross Sales
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Commercial 102
10. What two types of policies are subject to Premium
Audit?
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Commercial 102
10. What two types of policies are subject to Premium
Audit?
Answer:
CGL and Workers Compensation
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Future Classes
February 14th
February 21st
Commercial 103
Commercial 104
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TWFG Commercial Business School – Commercial 101
TWFG Commercial Business School
Commercial 102
Industry Segment Classes (Beginning in March)
Retail & Service
Artisan Contractor
Commercial Auto
Workers Compensation
Commercial Real Estate
Restaurant
Manufacturing
Agriculture
Farm/Ranch
Excess & Surplus
Professional Liability
Umbrella
Bonds
Financial Institutions
Hotels/Motels
Medical Technology
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Commercial 102
Questions???
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