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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
Excess Liability Policies: Analysis and Comparison
Participants will be able to differentiate between the types of Excess Liability Policies – Follow form excess, stand-alone excess, and commercial umbrella. They will compare policy provisions between policy forms from different companies. Agents will gain additional knowledge regarding what to look for when comparing company-specific Excess Liability Policy forms.
Lessons from CAT Losses
In this session, participants will examine losses that are uninsured as a result of coverage being left out or incorrectly written. This will include commercial property, business income, flood, and other property insurance coverages. Participants will review property claims dealing with property valuation, correct use of forms, ordinance or law, spoilage coverage, equipment breakdown, and more. They will identify business income issues related to civil authority, extra expense, utility services, and dependent properties. They will compare private flood insurance versus the NFIP.
Ethics You Can Use
Participants will examine the professional, legal, and ethical responsibilities in dealing with the day-to-day realities of the complex, ethical issues of the insurance industry. They will compare and be able to explain the difference between legal and ethical responsibilities and discuss the foundations of ethical behavior. They will review court cases dealing with the agent as a “professional” along with the agent’s duty to the customer, insurer, and peers. Using a series of case scenarios, they will be able to identify what constitutes an ethical dilemma and apply the ethical principles discussed in this session to determine the right course of action.
Personal Lines Hot Topics
Participants will learn how the Personal Automobile Policy relates to rental cars, use of company cars for personal use, and use of personal autos for business purposes. They will understand the unendorsed Personal Automobile Policy coverage limitations on electronic equipment, custom accessories, and vehicle valuation, and know how to address them. They will review exposures from catastrophic events and the loss issues that result. They will examine identity theft exposure and how the Homeowners Policy can be endorsed to provide protection. They will learn the proper way to insure condominiums, including adequate insurance limits, coverage, and protection from loss assessments.
