Advanced Underwriting
Underwriter principals and practices as well as the importance of reinsurance and the different types used today. Subscription policies complete this course.
One Hour CE Approved
British Columbia Saskatchewan Manitoba
Underwriting Part One
Learn how underwriters price commercial risk, including actuarial rates, premium components, class versus individual rating, documentation, and external market forces.
Underwriting Part Two
Learn practical ways to influence commercial insurance premiums through experience rating, stronger renewal submissions, claims management, documentation, safety programs, and early underwriter engagement.
Reinsurance and Subscription
Review why commercial property policies use exclusions, how reinsurance differs from subscription policies, and why package policies became popular for small and mid-sized commercial risks in Canadian brokerage practice.
About the course
Successful commercial brokers understand that underwriting begins long before a policy is issued. This course examines the principles that drive commercial underwriting decisions, from premium development and individual risk assessment to renewal strategy, reinsurance, subscription placements, and package policies. You'll learn how actuaries and underwriters influence pricing, how strong submissions and credible risk information can improve underwriting outcomes, and how claims history, safety programs, and operational changes affect renewal terms. The course also explains the role of reinsurance and subscription markets, the purpose of policy exclusions, and when package policies provide an effective insurance solution. By the end of this course, you'll be better equipped to prepare compelling underwriting submissions, communicate effectively with insurers, and secure the most appropriate coverage and pricing for your commercial clients.
Meet Your Instructor
For more than four decades, Todd Hochban has worked with Canadian insurance brokers, helping them better understand property and casualty insurance through practical, real-world education. As a seasoned educator, industry speaker, and course developer, he has trained thousands of brokers across Canada, translating complex insurance concepts into clear, actionable learning. Every BrokerBytes course is designed with one goal in mind: to provide practical knowledge that brokers can immediately apply in conversations with clients, underwriting submissions, and claims situations. Rather than focusing on theory alone, these lessons emphasize the issues brokers encounter every day. Whether you're new to the industry or building on years of experience, BrokerBytes delivers concise, focused learning designed for today's busy insurance professional.