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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.
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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
Ten Questions That Drive Me Crazy About the Business Auto Policy
Participants will analyze specific Business Auto coverage situations that may cause problems for insureds, agencies, and companies. Using real-life scenarios, they will examine how the BAP provides or excludes coverage. They will learn how to provide coverage for an exposure if it is excluded or limited by the policy in order to best meet their client’s needs.
What's Your Opinion? (Case Examples Using CGL, WC, and CPP)
Using case scenarios, participants will learn how the CGL, Workers Compensation, and Commercial Property policies provide or exclude coverage. They will understand the CGL insuring agreement, contractual liability, additional insured issues, BI covered loss, BOP-valuable papers, workers compensation-international coverage, certificates of insurance and more. Agents will identify methods of covering the loss if it were excluded and review the outcome of each case.
Commercial Umbrella Issues
After an overview of the development of the Umbrella Form, participants will review the functions of the Umbrella and Excess Liability policies. They will be able to identify the types of Excess Liability Policies and describe the characteristics of each. They will discuss the structural issues and learn about the self-insured retention and the maintenance of underlying policy conditions. They will discuss how to structure an umbrella program and coordinate a mixed program, including the problems and solutions.
Ethical Principles - Everything Has Changed (Nothing Has Changed)
Agents will learn 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 be able to compare the difference between legal and ethical responsibilities and discuss the foundations of ethical behavior. They will review the core components of responsible agent conduct and better understand their duty to the customer, insurer, and peers. Agents will review the steps used in the ethical decision-making process and then apply them to real-life scenarios. They will discuss examples of improper conduct and how unethical behavior can create a breach in a legal requirement. They will also understand unfair business and claims practices model act provisions.
Solving Troublesome Property Issues
Participants examine property issues that can be troublesome for their insureds. They will identify potential coverage pitfalls and explore methods to remedy these pitfalls. They will discuss property valuation issues for buildings and personal property, equipment, stock in progress, and inventory. They will look at replacement cost issues and options. They will review elements of the lease agreement, types of leases, and provision in a lease agreement. They will discuss improvements and betterments, including ownership of improvements and betterments, common law rules, responsibility of repair or replacement, and insurance options. They will learn about alternate methods of valuation and conclude with a discussion of business income issues.
