Burand Insurance Education, LLC

Additional Insurance Consulting Services are available at Burand & Associates, LLC. Visit us at: burand-associates.com.

215 S. Victoria Ave, Suite E, Pueblo, CO 81003

t: 719.485.3868

Burand Insurance Education, LLC is an advocate of agencies which constructively manage and improve their contingency contracts by learning how to negotiate and use their contingency contracts more effectively. We maintain that agents can achieve considerably better results without ever taking actions that are detrimental or disadvantageous to the insureds. We have never and would not ever recommend an agent or agency implement a policy or otherwise advocate increasing its contingency income ahead of the insureds' interests.

A complete understanding of the subjects covered on this Web site may require broader and additional knowledge beyond the information presented. None of the materials on this site should be construed as offering legal advice, and the specific advice of legal counsel is recommended before acting on any matter discussed on this site. Regulated individuals/entities should also ensure that they comply with all applicable laws, rules, and regulations.

2018-2020 Burand Insurance Education, LLC

Business income (BI) coverage has been identified as one of the two most important coverages CFOs desire (the other being cyber). Yet, business income is one of the least understood and most undersold coverages because producers do not understand it. Business income is, without a doubt, complex. Truly learning business income requires considerable effort and time. Business income done well, done professionally, is not a “BOPable” coverage. “It’s included on the BOP so we should all be good!” definitely does not apply.

The E&O exposures relative to business income are about to explode too. Business valuation associations are pushing valuation experts and related plaintiff attorneys to explore their business opportunities related to an agent’s failure to provide the correct or adequate business income coverages. These business valuation experts are often quite knowledgeable (as a business valuation expert myself, I participate in their classes so I see firsthand what is happening) relative to understanding how businesses make money and determining how much money a business is likely to make in the future. This is their job. This is their profession. Frankly, they understand these factors far better than 90% of insurance people I’ve met.

To realize the sales opportunity and defend the E&O exposure simultaneously, Burand Insurance Education, LLC has created the Business Income Professional Designation.  We have created a ten part course for learning business income and gaining the ability to explain business income engagingly.

I am uniquely qualified to create this program because no one else in the industry, to my knowledge, possesses:

  1. I am a Certified Business Appraiser. This is a difficult certification to obtain. Possessing this certification is my ticket, literally, into the meetings where the Plaintiff bar is presenting. This is why I know what is happening on the plaintiff side of the business income claims world.

  2. I am a certified E&O instructor and a certified E&O auditor. I’m fairly certain no one else possess both E&O certifications AND a CBA.

  3. I have created a new, in depth, and original approach to teaching business income that, if followed, is going to assist your agency in reducing E&O exposures while increasing sales and improving relationships with clients.


This is your opportunity to become the best, most professional business income expert in your territory. This is your opportunity to stand above competitors. This is your opportunity to be known as the expert in the coverage more important to key clients. This is your opportunity to be trusted for addressing the most important coverage in these clients’ minds. This is your opportunity and choice. What choice will you make?