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Street-Level EthicsStreet-Level Ethics
Workshop sponsored by:American Institute for CPCUIns. Institute of America
Presented by:
Workshop developed by:Chris Amrhein, AAI, Consultant
Copyright © 2003 American Institute for CPCU
Course ObjectivesCourse Objectives To gain insight into ethical behaviorTo gain insight into ethical behavior
To understand why the terms “ethical”To understand why the terms “ethical” and “moral” are quite different (andand “moral” are quite different (and why confusing them presents problems)why confusing them presents problems)
To become familiar with inherent To become familiar with inherent conflicts in being ethical (if it weren’tconflicts in being ethical (if it weren’t hard, everyone would do it)hard, everyone would do it)
Course Objectives Course Objectives (con’t)(con’t)
To understand the value of a code of To understand the value of a code of ethicsethics To gain practice in seeing the ethical To gain practice in seeing the ethical dilemmas in common insurance dilemmas in common insurance situationssituations To exercise individual judgment and To exercise individual judgment and reasoning in addressing ethical reasoning in addressing ethical dilemmas, relying upon accepted ethicaldilemmas, relying upon accepted ethical approaches and applicable codes of approaches and applicable codes of ethicsethics
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
EthicsEthics
““Right vs. right” decisionsRight vs. right” decisions Come from the “head” (intellect)Come from the “head” (intellect)
►Codes of expected behaviorCodes of expected behavior►Approved guidelinesApproved guidelines►Derived from moralsDerived from morals
Today's Headlines
Are they “moral” or “ethical” issues? Corporate cheating, corruption Corporate criminal behavior Individual profiteering Stock manipulation Others?
Because...
First Step in Solving “Moral” Crisis Is to Determine “Right” from “Wrong” -- NOT “Right” from “Right”
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
Provide set, agreed-upon guidelines for the behavior of those who adhere to them
Examples: American Institute for CPCU NAIW CPIW
Questions to Assist in Ethical Decision Making
1.Deciding Whether the Situation Has Ethical Dimensions
2.Gathering Information3.Identifying and Evaluating
Alternatives4.Reaching the Decision5.Monitoring the Decision
Value
Gain experience in working through possibilities
Gain comfort in decision making Explore differences, consider options in a
safe, controlled environment Practice makes perfect
AssumptionsAssumptions
Scenarios must be realistic, not “pie in the Scenarios must be realistic, not “pie in the sky” purely theoretical discussionssky” purely theoretical discussions
Work through regular steps; do not try to Work through regular steps; do not try to solve all problems at oncesolve all problems at once
Goal is to strengthen your “ethical muscles” Goal is to strengthen your “ethical muscles” for future crisesfor future crises
Agent Case StudiesAgent Case Studies
#1 – A Friend in Need#1 – A Friend in Need
#2 – The Case of the Absent Audit#2 – The Case of the Absent Audit
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
#11 – School’s Out #12 – Ignorance Can Be Bliss #13 – He Who Hesitates Gets
Lost #14 – Gone With the Wind
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