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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


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?



Because
Because… Process...Why?

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


Approaches to ethical decisions
Approaches to Ethical Decisions Process...Why?

  • Situation-Based

  • Rule-Based

  • People-Based


Situation based
Situation-Based Process...Why?

What is the best possible outcome given these circumstances?


Rule based
Rule-Based Process...Why?

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


People based
People-Based Process...Why?

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


Inherent weaknesses
Inherent Weaknesses Process...Why?

  • 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 Process...Why?

  • 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 Process...Why?

  • Deciding Whether the Situation Has Ethical Dimensions

  • Gathering Information

  • Identifying and Evaluating Alternatives

  • Reaching the Decision

  • Monitoring the Decision


Case Studies Process...Why?


Value
Value Process...Why?

  • 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 Process...Why?

  • 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 Process...Why?

  • #1 – A Friend in Need

  • #2 – The Case of the Absent Audit


Underwriter case studies
Underwriter Case Studies Process...Why?

  • #3 – The Life of a Field Underwriter

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


Original agent case studies
Original Agent Case Studies Process...Why?

  • #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 Process...Why?

  • #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 Process...Why?

  • #13 – He Who Hesitates Gets Lost

  • #14 – Gone With the Wind



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

www.aicpcu.org


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