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Ruble Graduate Seminar

Oct 06, 2026 - Oct 07, 2026 | Exton

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Attention: This course is not approved for State reported continuing education credits.

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Designated participants are only allowed to register for this course.

This Online MEGA is allowed only for CIC, CRM and CPRM Dues Paid designees.

To earn designation update credit in this course, you MUST have paid your annual dues. Please click the link to Pay your Dues

In the case of multiple licenses, please enter your resident state license information as CE credit will only be processed for one state. Modifications to your CE request may be made up until the last day of the course through the My Courses tab in your PROfile. Certain states have rules regarding repetition of courses, please review those requirements prior to requesting CE credits.

IMPORTANT: If you have previously taken this course it is imperative that you review the repetition rules established by your State Department of Insurance as some states do not allow a course to be repeated within a certain period of time.

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OVERVIEW AND TOPICS

Business Income...The Mystery Continues

In this session, participants take an in-depth look at the business income exposure. They review business continuation plans and learn the finer points of policy language and its effects on the insured. They will be able to explain the pros and cons of various endorsements, the use of the Extra Expense Coverage Form and the Leasehold Interest Coverage Form. Using a business income case study, participants will better understand catastrophe planning and be able to explain how Business Income Coverage, when properly designed, is critical to this process.

What If the Lease Was Designed for the Insurance Policy?

Using a case study format, participants identify and examine the issues and problems when providing property insurance protection for an insured whose insurable interest is created through a lease or other form of “contractual” arrangement. They will discuss Tenant Improvements and Betterments, Rental Income, Waivers of Subrogation, Additional Insureds, and sample provisions for lease language.

Diagnosing Issues in the CGL Policy

This session explores the variety of liability exposures and the insurance coverage designed to address these specific concerns. They will discuss the differences that exist between occurrence and claims-made triggers, the allocation of loss payments that span multiple policies, and how to remedy the coverage gaps that are presented by some of the GL exclusions.

The Yin and Yang of Policy Wording

Yin and Yang symbolize complementary forces that create balance, a concept mirrored in insurance policy wording. This session examines the interplay between coverage grants and exclusions in insurance policy wordings, showing how subtle changes in definitions and endorsements can create significant coverage implications. Participants will review real-world claims and court cases to see how courts interpret policy language across property, liability, crime, and specialty lines. Key topics include named insured rights, sister endorsements, coverage gaps, occurrence definitions, contractual liability, sole negligence disclaimers, liquor liability exclusions, and exhaustion methods in excess coverage. Emerging risks like crypto assets, NFTs (non-fungible tokens), and cyber exposures will also be explored. By session’s end, attendees will sharpen skills to identify pitfalls, assess policy language, and apply strategies to maintain balance—or recognize tension—within insurance contracts.

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