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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
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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
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.
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.
Solving the Mysteries of Business Income Coverage and Claims
Adjustment of a business income loss is an art rather than a science. A successful conclusion is when a claimant seeks an agreement that the insured has returned as closely as possible to the same financial position that would have existed if no loss had occurred. Examine the business income and extra expense insurance risk analysis process, application completion, worksheet considerations, limit of insurance, coverage issues, and negotiating a loss of income or extra expense claim. Discuss key differences in writing manufacturing and mercantile risks.
The Insured, Additional Insured vs. Named Insured Debate
The individuals and entities who are afforded protection under a commercial liability policy can be divided into three groups – Insured, Additional Insured, or Named Insured. The decision of whom to name on the policies declaration page is one of the most significant factors that determine the extent of protection for each insured. In this session, participants will discover factors that can influence the named insured description. They will analyze automatic insureds and learn the primary reasons for adding additional insureds, as well as the advantages and disadvantages. They will focus on named insured as it relates to Commercial General Liability, Business Auto, and Commercial Property. They will discuss potential problems along with possible solutions for coverage gaps.
