Moral Premiums: The Cost of Ethics in Insurance

Registration Closed

OIA's own Ashley Fitzsimmons will be leading this conversation exploring the critical role of ethics in the insurance industry.

This session will cover key regulations, including Ohio’s laws on misrepresentation, fraud, and unfair practices, ensuring you stay compliant and informed. Through real-world case studies, we’ll examine issues like misappropriation of consumer premiums, improper Certificates of Insurance (COIs), and commission splitting. Gain a clear understanding of government regulations, agent responsibilities, and the impact of ethical missteps on Errors & Omissions (E&O) liability. Don’t miss this opportunity to strengthen your ethical decision-making and protect both your clients and your business!

Ashley Fitzsimmons

Director of Professional Development

Ohio Insurance Agents

Ashley Fitzsimmons is the Director of Professional Development with the Ohio Insurance Agents Association. Prior to her work in education and training, Ashley spent years working in an independent insurance agency, where she gained hands‑on experience with client service, coverage conversations, and risk prevention. In this course, Ashley draws on real‑life agency scenarios to bring practical context to the power of prevention and the essentials of effective service.