The BIG Event 2016: MAIA's Annual Convention and Trade Show
Exhibit Hall
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Who You'll See

Ed Manuals

CEU Listing

Stream with Irene

Match for Cash

The Big Event


ALL Sessions

Exhibit Hall
Licensing Program
Sales & Marketing Track
Personal Lines
Commercial Lines
Personal & Commercial Lines
Personal & Career
Receptions/Food Functions

Thursday, Oct 27
Friday, Oct 28
Saturday, Oct 29
Sunday, Oct 30


 Saturday, Nov 2
3:15 pm - 4:15 pm

Use the Policies to Educate your Clients and Protect their Exposures while Minimizing your E&O Exposure
CEUs: 1

Speaker(s): Charlene A. Cabral, AAI, AIC, LIA, CRIS, Cabral Insurance Consulting & Training

Learn how to use your policies to educate your client on what is NOT COVERED! If something is covered there isn’t a problem... it is the things that are not covered that present the exposure, so learn how to tap into that. We’ll discuss how to create checklists using the policy language to help educate your clients on what is not covered, while will help minimize the agency E&O. We’ll also discuss form letters and how they, too, can be used to educate, protect, and minimize exposures - and so much more!

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?
Contents Loss Settlement in Personal Policies Is the client being made whole?
Coverage A & B Loss Settlement in Personal Property Policies – Is Replacement Really Replacement?
Intuitive Massage with Charlene

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