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

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

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Street level ethics workshop developed by chris amrhein aai consultant

Street-Level Ethics

Workshop developed by: Chris Amrhein, AAI, Consultant


Course objectives

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)


Course objectives1

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


Morality

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


Ethics

Ethics

  • “Right vs. right” decisions

  • Come from the “head” (intellect)

    • Codes of expected behavior

    • Approved guidelines

    • Derived from morals


Today s headlines

Today’s Headlines

  • Are they “moral” or “ethical” issues?

    • Corporate cheating, corruption

    • Corporate criminal behavior

    • Individual profiteering

    • Stock manipulation

    • Others?


Street level ethics workshop developed by chris amrhein aai consultant

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


Because

Because…

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


Approaches to ethical decisions

Approaches to Ethical Decisions

  • Situation-Based

  • Rule-Based

  • People-Based


Situation based

Situation-Based

What is the best possible outcome given these circumstances?


Rule based

Rule-Based

Follow the rules, and let the chips fall where they may


People based

People-Based

Follow the Golden Rule: what would you have others do if faced by the same situation?


Inherent weaknesses

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


Codes of ethics

Codes of Ethics

  • Provide set, agreed-upon guidelines for the behavior of those who adhere to them

  • Examples:

    • American Institute for CPCU

    • NAIW

    • CPIW


Questions for assistance in ethical decision making

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


Street level ethics workshop developed by chris amrhein aai consultant

Case Studies


Value

Value

  • Gain experience in working through possibilities

  • Gain comfort in decision making

  • Explore differences, consider options in a safe, controlled environment

  • Practice makes perfect


Assumptions

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


Agent case studies

Agent Case Studies

  • #1 – A Friend in Need

  • #2 – The Case of the Absent Audit


Underwriter case studies

Underwriter Case Studies

  • #3 – The Life of a Field Underwriter

  • #4 – Who’s the Fairest of Them All?


Original agent case studies

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


Original underwriter case studies

Original Underwriter Case Studies

  • #11 – School’s Out

  • #12 – Ignorance Can Be Bliss

  • #13 – He Who Hesitates Gets Lost

  • #14 – Gone With the Wind


Original claim adjuster case studies

Original Claim Adjuster Case Studies

  • #13 – He Who Hesitates Gets Lost

  • #14 – Gone With the Wind


Street level ethics workshop developed by chris amrhein aai consultant

Now Go Forth and Be Ethical!!!


Street level ethics workshop developed by chris amrhein aai consultant

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

www.aicpcu.org


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