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Street-Level Ethics Workshop

This workshop aims to provide insight into ethical behavior and differentiate between ethical and moral terms. Participants will explore inherent conflicts in ethical decisions and learn about the value and practices of codes of ethics. Through case studies, participants will exercise judgment and reasoning to address ethical dilemmas.

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Street-Level Ethics Workshop

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  1. Street-Level Ethics Workshop developed by: Chris Amrhein, AAI, Consultant

  2. Course Objectives • To gain insight into ethical behavior • To understand why the terms “ethical” and “moral” are quite different (and why confusing them presents problems) • To become familiar with inherent conflicts in being ethical (if it weren’t hard, everyone would do it)

  3. Course Objectives • To understand the value of a code of ethics • To gain practice in seeing the ethical dilemmas in common insurance situations • To exercise individual judgment and reasoning in addressing ethical dilemmas, relying upon accepted ethical approaches and applicable codes of ethics

  4. Morality • “Right vs. Wrong” decisions • “From the heart and the brain” • “Feels” like the right thing • According to the way I was taught, this IS the right thing

  5. Ethics • “Right vs. right” decisions • Come from the “head” (intellect) • Codes of expected behavior • Approved guidelines • Derived from morals

  6. Today’s Headlines • Are they “moral” or “ethical” issues? • Corporate cheating, corruption • Corporate criminal behavior • Individual profiteering • Stock manipulation • Others?

  7. A True Moral Crisis Is Not Solvable By an Ethical Process...Why?

  8. Because… First Step in Solving “Moral” Crisis Is to Determine “Right” from “Wrong” -- NOT “Right” from “Right”

  9. Approaches to Ethical Decisions • Situation-Based • Rule-Based • People-Based

  10. Situation-Based What is the best possible outcome given these circumstances?

  11. Rule-Based Follow the rules, and let the chips fall where they may

  12. People-Based Follow the Golden Rule: what would you have others do if faced by the same situation?

  13. Inherent Weaknesses • Situation-Based: Do the ends justify the means? • Rule-Based: What should the rules be? • People-Based: Who is to say if the moral code of the decider is good or bad? Codes of Ethics can help overcome weaknesses

  14. Codes of Ethics • Provide set, agreed-upon guidelines for the behavior of those who adhere to them • Examples: • American Institute for CPCU • NAIW • CPIW

  15. Questions for Assistance in Ethical Decision Making • Deciding Whether the Situation Has Ethical Dimensions • Gathering Information • Identifying and Evaluating Alternatives • Reaching the Decision • Monitoring the Decision

  16. Case Studies

  17. Value • Gain experience in working through possibilities • Gain comfort in decision making • Explore differences, consider options in a safe, controlled environment • Practice makes perfect

  18. Assumptions • Scenarios must be realistic, not “pie in the sky” purely theoretical discussions • Work through regular steps; do not try to solve all problems at once • Goal is to strengthen your “ethical muscles” for future crises

  19. Agent Case Studies • #1 – A Friend in Need • #2 – The Case of the Absent Audit

  20. Underwriter Case Studies • #3 – The Life of a Field Underwriter • #4 – Who’s the Fairest of Them All?

  21. Original Agent Case Studies • #7 – How Low Will You Go? • #8 – The Last Minute Certificate Crunch • #9 – E&S: When Is “Worse” Better? • #10 – Wrong Is Wrong, but Right for Client

  22. Original Underwriter Case Studies • #11 – School’s Out • #12 – Ignorance Can Be Bliss • #13 – He Who Hesitates Gets Lost • #14 – Gone With the Wind

  23. Original Claim Adjuster Case Studies • #13 – He Who Hesitates Gets Lost • #14 – Gone With the Wind

  24. Now Go Forth and Be Ethical!!!

  25. 720 Providence Road· Suite 100 ·Malvern, PA 19355-3433Phone (610) 644-2100 · Fax (610) 640-9676 www.aicpcu.org

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