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This Online MEGA is allowed only for CIC, CRM and CPRM Dues Paid designees.
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The State of Nevada has only approved this course for 3 credits of Property & Casualty and 3 credits of Ethics.
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OVERVIEW AND TOPICS
Claims-Made Coverages and Quandaries
While most Commercial General Liability policies are issued on occurrence forms, claims-made policies are commonly associated with professional liability policies, such as Directors & Officers, Employment Practices Liability, Fiduciary, and other specialty coverages. In this session, participants will review the occurrence and claims-made forms and examine their differences. They will discuss key coverage issues that arise under claims-made policies, such as: coverage triggers, continuity of coverage, continuity of application, prior acts, retroactive date, pending and prior litigation, reporting periods, and more. Using real-life examples, they will identify coverage gaps and discuss ways to avoid them.
Commercial Property, Key Items To Understand
Commercial property insurance policies are fraught with a “minefield” of exclusions, limits, and conditions. Participants will identify some of the areas that could be most concerning to their insureds, especially after a loss has occurred, and examine ways to solve them. They will discuss significant issues regarding ordinance or law, additional covered property, additional building property, debris removal, pollutant clean up, rebuilding expenses following a disaster, property valuations, and loss settlements.
Anatomy of a Lawsuit: An Insurance and Risk Management Seminar
Participants will learn how court cases are disposed of in the United States from the insurance and risk management professional’s perspective. After an overview of the legal system as it relates to the insurance business, they will learn where to look to find basic information and how to identify legal issues that might arise. They will gain an understanding of how the declaratory judgment action and preliminary injunction intersect with insurance coverage and insurance business cases. They will conclude with a discussion to the trial and the alternatives to it.
Answering Difficult Commercial Lines Questions
Participants will analyze significant commercial lines coverage issues that can create problems for their clients. They will examine coverages and exclusions provided in the latest edition of the ISO Business Auto, Commercial General Liability, and Commercial Property forms and endorsements. They will discuss business auto symbols, pollution cleanup expenses, temporary substitute auto, loading and unloading exposures, and drive other car coverage. They will learn if a person can be an insured on more than one CGL policy, what is the coverage territory for completed operations coverage, what are severability of interest and cross liability, and what is meant by primary and non-contributory insurance. They will discuss issues related to leased property, power failure, “state of collapse,” theft of property in an undescribed building, and how much debris removal coverage is needed. They will learn about the problems and discuss possible solutions to better serve their clients.
