Once Upon a Claim

Instructor

UIE

Phone

(253) 846-1155

Email

Course Overview

Once Upon a Claim Insurance Principles Applied to Nursery Rhymes is a comprehensive continuing education course that uses familiar nursery rhymes and classic stories as structured case studies to examine core insurance concepts across property, casualty, liability, life, health, commercial, and emerging risk lines. By translating well-known narratives into modern insurance scenarios, the course reinforces technical knowledge while emphasizing professional judgment, regulatory responsibility, and ethical conduct. Each chapter connects storytelling with real-world underwriting, claims handling, and advisory obligations, allowing insurance professionals to evaluate risk, coverage triggers, exclusions, and outcomes through practical examples.

The course progresses from foundational property and casualty principles to increasingly complex areas of liability, professional responsibility, suitability, and ethical decision-making. Throughout the material, emphasis is placed on how human behavior, disclosure, documentation, and communication directly affect underwriting outcomes, claim resolution, and regulatory compliance.

Course Schedule

Chapter	Subject	Description
Chapter 1	Foundation of Risk & Story	Chapter 1 introduces the course by using familiar stories to explain foundational insurance concepts. Fairy tales are reframed as simple risk management case studies that illustrate how human behavior, judgment, and preparation affect underwriting, claims outcomes, and ethical responsibility. The chapter emphasizes risk transfer, suitability, and professional duty, and shows how agents, adjusters, and brokers help clients prepare for loss rather than rely on chance.
Chapter 2	Property & Casualty Foundations	Chapter 2 uses familiar stories to explain core principles of property and casualty insurance, including construction risk, liability, negligence, fire peril, and claims response. The chapter shows how physical hazards and human behavior affect underwriting decisions, coverage outcomes, and professional responsibility in loss prevention and recovery.
Chapter 3	Liability, Negligence & Ethics	Chapter 3 examines liability, negligence, and ethics by focusing on how human behavior creates legal and financial exposure. Through familiar stories, the chapter explains the duty of care, the elements of negligence, supervision failures, fraud, and bad faith, while emphasizing ethical responsibilities in claims handling, underwriting, and professional conduct.
Chapter 4	Life, Health, and Long-Term Planning	Chapter 4 examines life, health, and long-term planning by focusing on dependency, income continuity, and ethical suitability. Through familiar stories, the chapter explains life insurance need analysis, survivor benefits, disability and long-term care planning, and the integration of life insurance, annuities, and group benefits. Emphasis is placed on documentation, disclosure, and professional responsibility in protecting families, caregivers, and businesses across changing life stages.
Chapter 5	Commercial, Professional & Specialty Lines	Chapter 5 examines commercial, professional, and specialty insurance by focusing on responsibility beyond ownership, interconnected risk, and downstream loss. Through familiar stories, the chapter explains commercial liability, professional judgment, product liability, contamination, transportation risk, supply-chain exposure, and claims-made coverage structures. Emphasis is placed on disclosure, documentation, suitability, and risk management in business environments in which losses can compound across operations, contracts, and time.
Chapter 6	Ethics, Suitability & Professionalism	Chapter 6 focuses on ethics, suitability, and professionalism by examining how insurance outcomes are shaped by judgment, communication, and timing rather than coverage mechanics alone. Through familiar stories, the chapter addresses misrepresentation, timeliness, lapse, notice of loss, persuasion versus pressure, and persistence in disability claims. Emphasis is placed on how ethical conduct, clear disclosure, and professional restraint influence trust, expectations, and claim outcomes before and after a loss occurs.
Chapter 7	Emerging & Intangible Risks	Chapter 7 examines emerging and intangible risks by focusing on exposures that develop gradually through environmental, informational, and relational factors rather than on sudden events. Using Hansel and Gretel as a guiding framework, the chapter explains cyber and privacy risk, social engineering, delayed harm, coverage triggers, and response gaps. Emphasis is placed on professional judgment, expectation-setting, documentation, and the limits of insurance when losses arise from evolving conditions rather than from identifiable occurrences.
Chapter 8	Crossover and Side Paths	Chapter 8 explores coverage crossovers and timing issues that arise when insurance does not align neatly within a single line. Using familiar stories, the chapter examines the assumption of risk, time-limited coverage, known hazards, scheduled property, and stale underwriting. Emphasis is placed on how coverage gaps, classification issues, and policy timing can complicate claims even when coverage appears to be in place.

Additional Information

None.