The BIG Event 2011: MAIA's Annual Convention and Trade Show
Massachusetts Association of Insurance Agents
Annual Convention & Trade Fair
November 8, 9, 10 & 11, 2012
Marriott Hotel, Copley Place, Boston, MA
Mobile App Downloads CEU Listing Ed Manual Downloads Who You'll See in Boston


ALL Sessions


Exhibit Hall
Licensing Program
Sales Track...NEW!!
Personal Lines
Commercial Lines
Personal & Commercial Lines
Personal & Career
Receptions/Food Functions


Thursday, Nov 8
Friday, Nov 9
Saturday, Nov 10
Sunday, Nov 11


10:15 am - 11:15 am
Sat 10:15 am - 11:15 am
Contents Loss Settlement in Personal Policies Is the client being made whole?
CEUs: 1
Speaker(s): Charlene A. Cabral, AAI, AIC, LIA, CRIS, Cabral Insurance Consulting & Training

We will dive into the Loss Settlement section of the Personal Lines Policies to explore what the policy actually provides. Is the client being made whole? We’ll explore the potential loopholes that exist within the policy forms, and discuss what an agent should do to educate the consumer on their options, which will also help minimize their E&O exposure.

Charlene A. Cabral, AAI, AIC, LIA, CRIS, Cabral Insurance Consulting & Training

Charlene A. Cabral is the Owner of Cabral Insurance Consulting & Training as well as the Owner of Ayotte-Cabral Insurance Agency. Both organizations are headquartered in Attleboro, Massachusetts. Charlene teaches various insurance classes and designation courses for a number or Insurance Associations. She has a degree in accounting and received her AAI designation in 1995, her AIC designation in 1996, the LIA designation in 2001 and her CRIS designation in 2008.

Charlene is a speaker at a number of insurance conventions in Massachusetts and Rhode Island. She has spoken at various industry events as well as been a guest speaker for various vendors.

Charlene works with insurance agents to help them achieve their goals. Some areas of focus are mentoring, training and development of new and existing staff, processes and procedure implementation to assist in streamlining and production management. Charlene also provides assistance with retention and methods to increase sales. Since Charlene has been in the insurance industry since 1986 her knowledge and experience is vast and she loves sharing this with other insurance professionals as well as the consumer to help them achieve their goals. Charlene believes that knowledge is power and a well informed individual can make better decisions for himself/herself in any aspect of life, business and/or personal.

Business Auto Bootcamp 101
Business Auto Endorsements: What's Needed for Potential Coverage Gaps!
Company Car…What are the Exposures? How is that different from Vehicles Available for Your Regular Use?
NO Personal Auto in the Household? What does the Named non-owned policy do to fill the potential coverage gaps?
Business Automobile Policy Symbols and How They Activate Coverage or Fall Short!
Business Exposures Within the Personal Account – How Deep Can it Hurt?
Coverage A & B Loss Settlement in Personal Property Policies – Is Replacement Really Replacement?
Intuitive Massage with Charlene
Use the Policies to Educate your Clients and Protect their Exposures while Minimizing your E&O Exposure

Contact Sheron to sponsor
this session.

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Massachusetts Association of Insurance Agents  | 91 Cedar Street | Milford, MA 01757 |®