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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
Commercial Property Claims Issues
Using various claim situations, participants will identify some common Commercial Property Coverage issues that create problems. They will discuss issues related to vacancy, debris removal, leased property, tenants improvements and betterments, ordinance or law, setting building limits, valuation, dependent properties, utility services, business income, theft, and margin clause. They will review the appropriate Commercial Property policies and endorsements and determine whether coverage is provided and how best to address any gaps in coverage.
Personal Lines Claims Issues
Using a question and answer format, agents will discuss how the Personal Auto and Homeowners Policies provide or exclude coverage. Participants will discuss how the PAP provides or excludes coverage for exposures, such as: students away from school, persons living together without the benefits of marriage, personal vehicles purchased through a company owned by the insured, motorized vehicles, rental cars, and vehicles used for livery and/or delivery. They will look at how the Homeowners Policy provides or excludes coverage for identity theft, business in the home, homes put in the name of a trust, and more.
Commercial General Liability Coverage Excitement & Opportunity Awaits
After an overview of the structure of the Commercial General Liability Policy, participants will take an in-depth look at the coverages provided by the CGL Policy. They will discuss the insuring agreement and be able to explain who is insured. They will identify the important CGL exclusions and their impact on their clients. They will examine the meaning and intent of these selected CGL exclusions and discuss solutions to remedy the coverage gaps created by exclusions.
Misery Awaits! Additional Insureds & Certificates of Insurance
Certificates of insurance and the related issue of additional insureds are often sources of confusion and E&O claims for the insurance professional. In this session, insurance professionals will discuss additional insureds in-depth – types of insureds, how they work, how coverage is limited, and common problems that can arise. They will gain a better understanding of how the named insured status relates to commercial general liability, business auto, and property insurance. For each policy type, they will discuss why an additional endorsement may be needed and the impact on the coverage. They will learn the importance of a certificate of insurance and how to use it properly. Using specific ACORD certificate of insurance forms (ACORD 24, 25, 23, 27, and 28), they will examine the purpose of the certificate, critical things to consider before issuing a certificate, how to properly use certificates of insurance, and identify ways to avoid some of the common problems and errors.
