Moral Premiums: The Cost of Ethics in Insurance

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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

Known in some circles as The Beyoncé of Insurance (and not just because she runs the world of risk), Ashley Fitzsimmons brings both street cred and sparkle to the classroom. A proud millennial and fourth-generation insurance professional, she spent nearly a decade at her family’s independent agency near Scranton, PA, where she lived the day-to-day hustle of servicing clients, explaining coverage, and yes—sometimes writing policies for online dating horror stories turned learning moments.

In 2018, Ashley was named National CSR of the Year, thanks to her fierce dedication to her clients and her ability to make even the driest of policy language feel personal and relevant. Now, as Director of Professional Development at OIA, she’s traded client calls for coaching agents across the country—helping them grow, thrive, and avoid common pitfalls she knows all too well.

Whether she's leading a workshop, keynoting a conference, or chatting over a martini, Ashley brings authenticity, humor, and serious know-how to every conversation. She’s been where you are—and now she’s here to help you level up.