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This Online MEGA is allowed only for CIC, CRM and CPRM Dues Paid designees.
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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.
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
Homeowners Tricks and Traps
Participants will analyze common issues encountered when writing homeowners coverages. They will examine coverages and exclusions provided in the latest edition of the Homeowners Policy. They will discuss how the HO policy provides or excludes coverage for exposures, such as: other structures on premises, rental property, miscellaneous vehicles, children at school, watercraft, high-value collections, and in-home businesses. They will identify the tricks and traps, discuss ways to close the coverage gaps using endorsements, and examine possible solutions to better serve their clients.
Employment Practices Liability
Many states have “at will” employment laws, but those laws don’t shield employers from EPL lawsuits. This course will walk participants through major federal and state employment laws that present EPL risks to insureds.
Senior Insurance Solutions
Participants will learn about the qualifications, coverage, gaps, and limitations of Medicare and Medicaid. They will explore Long Term Care Insurance as to what it is, what it costs, what services it covers, and who should purchase it. They will gain a better understanding of LTC Partnership Programs and how they work. They will discuss the distribution of the estate, as well as life insurance.
Understanding Occurrence and Claims-Made Triggers
In this session, agents will review the occurrence and claims-made forms and examine the difference in coverage triggers. They will be able to explain the difference between the pure claims made and the more common claims-made and reported forms of coverage. Using real-life examples and court cases, they will identify coverage gaps and discuss ways to avoid them. They will have a better understanding of the Commercial General Liability Occurrence and Claims-Made coverage forms, including the advantages and disadvantages of each.
Proceed With Caution...Your Client Purchased a Condominium
Participants will analyze significant issues encountered when writing commercial and residential condominium coverage. This 4-hour session begins with an overview of the Champlain Towers South collapse in Surfside, Florida – the facts, the potential causes, the demolition/debris removal/cleanup, the insurance claims, and who is responsible for insurance coverage. Agents will focus on the agreement (bylaws) and the exposure it creates for the association, Board members, and unit owners. Using real-life case scenarios, they will identify the best insurance methods to protect those individuals. They will review coverage and exclusions provided in D&O policies and the latest edition of the ISO Homeowners policies. They will examine the differences between the HO 00 06 (Homeowners 6 – Unit-Owners Form) and HO 00 03 (Homeowners 3 – Special Form). They will discuss ways to close coverage gaps and examine possible solutions to better serve their clients.
Realities and Rewards of Retirement Planning
Participants will gain an understanding of the need for retirement planning. They will learn how qualified plans can best provide the most cost-efficient method of accumulating retirement dollars. They will analyze various types of retirement funding mechanisms, including 401(k) plans, Individual Retirement Accounts (IRA), Roth IRA, Simplified Employee Pension plans (SEP), Savings Incentive Match Plans for Employees (SIMPLE), and Annuities. They will discuss ways to bring the retirement plan together.
