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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
What’s Your Expert Opinion
This course engages insurance professionals in collaborative breakout groups centered around real-world legal cases involving both personal and commercial lines. Each group will analyze case facts, review complaints, deposition excerpts, E&O issues, insurance policy language (if applicable) to form and present their group’s “expert opinion”. Through guided discussion and analysis of expert report excerpts, participants will explore critical topics such as agency authority, fiduciary duty, misrepresentation, risk analysis, product liability, structural collapse, professional liability, and wholesaler relationships. The session emphasizes understanding the nuances of coverage interpretation, recognizing the impact of documentation and communication, and identifying agent errors and omissions (E&O) exposures. By session end, Insurance Professionals will be better equipped to evaluate complex claim scenarios and apply best practices to mitigate disputes and uphold professional standards.
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.
And The Court Said…(Commercial Lines Coverage Issues)
This course deepens understanding of coverage interpretation through real-world litigation examples. Participants will examine how court interpret language in Commercial Property, Business Auto, CGL, and Builders Risk policies. Topics include definitions of fixtures and permanently installed machinery, protective safeguards, and “complete working order” under commercial property policies. Business Auto discussions focus on Symbols 8 and 9. CGL discussions cover “property damage,” electronic data, “care, custody, or control,” in damage exclusions and impact of “separation of insureds” clauses on employer liability exclusions. Court rulings on assault and battery, human trafficking, and firearms exclusions are explored. Builders Risk coverage is explored through defect exclusions, LEG 3 language, and how court differentiates between defective work and resulting damage. In conclusion, participants gain skills to anticipate disputes and recognize how policy language is interpreted by court.
What’s New in the CGL?
This course covers ISO’s 2025 revision to the Commercial General Liability (CGL) Policy. Insurance professionals will explore key updates to coverage forms, conditions, definitions, and endorsements—focusing on exclusions and clarifications related to data privacy, employment practices, electronic data, drones, EIFS, cannabis, AI, assault and battery, and punitive damages. The course includes analysis of case law and state statutes driving these changes, helping professionals interpret and apply the revised policy in practice. By course end, participants will be able to identify and explain the significance of new and revised endorsements, understand the rationale behind withdrawn exclusions and updated definitions, and apply insights from legal developments to coverage interpretation. This course equips professionals to navigate the evolving liability landscape with clarity and confidence.
