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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
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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.
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
Property Exposures and Coverages for Contractors
Contractors have some unique property exposures. This course will walk participants through some important coverage considerations, including Builders Risk, Installation Floaters, and Contractors Equipment Floaters.
Contractors Liability Exposures & Coverages
Insuring contracting risks can be tricky, especially when it comes to liability coverage. This course takes an in-depth look at the CGL Policy, including important endorsements needed to fill gaps created by policy exclusions.
Business Income - Coverage Analysis through Claims
The purpose of this session is to provide a comprehensive analysis of Business Interruption (Time Element) Insurance including loss of business income and extra expense (BI/EE). Participants will examine the BI/EE insurance risk analysis process, application and worksheet considerations, important coverage issues, and unique aspects of a BI/EE claim. They will be able to explain the important differences between what triggers coverage in business income compared to the Building and Personal Property Coverage Form. They will work through a BI/EE loss from start to finish and will better understand the process, documentation and calculations required to fulfill contractual requirements and receive adequate compensation for the covered loss.
Ethical Issues
In this session, participants will understand ethical challenges that insurance professionals face, difference between legal and ethical responsibilities and their fiduciary duties and obligations to the customer, insurer, and peers.
Leased & Rented Property - The Contract vs. Coverage
Participants will identify potential loss exposures that exist when insuring leased real and personal property and learn the basic and optional coverages available to treat these exposures. They will learn a systematic process to analyze contractual obligations in relation to standard insurance policy provisions and to identify potential gaps in coverage. They will review common provisions found in real, personal property leases, examine important loss exposure and coverage issues when insuring tenant improvements and betterments, and learn how to provide the protection their client needs. They will evaluate how the Commercial General Liability (CGL) Policy compliments and conflicts with Business Auto Policy and Personal Auto Policy coverage provided for leased and rented mobile equipment and/or autos.
Innovations in Long-Term Care Funding with Life Insurance
Participants will understand the need for Long Term Care, what it is, what it costs, what services it covers, and who should purchase it. They will identify the pros and cons of each payment option, i.e., the family, the government (Medicare, Medicare Supplement Insurance, Medicaid), and long-term care insurance. They will review a sample LTCI contract and discuss the coverage options. They will examine innovations and enhancements for LTC funding using life insurance or with an annuity.
