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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
Understanding Occurrence and Claims-Made Triggers
In this session, agents will review the occurrence and claims-made forms and examine the difference in coverage triggers. They will be able to explain the difference between the pure claims made and the more common claims-made and reported forms of coverage. Using real-life examples and court cases, they will identify coverage gaps and discuss ways to avoid them. They will have a better understanding of the Commercial General Liability Occurrence and Claims-Made coverage forms, including the advantages and disadvantages of each.
Projecting Ethics into a Competitive Advantage
Participants will explore how agents balance their profitability with their legal and fiduciary responsibilities while at the same time attempt to attract new business in a very competitive marketplace. They will understand the importance of ethical conduct in handling client information, insurance company applications, policy service/delivery and claims. This will include both standard markets and excess and surplus lines.
Agency Coverage Standards
Every insurance agency should establish coverage standards to better serve their clients. Coverage standards include needed coverages and endorsements and avoided endorsements. In this session, participants will review and examine the specific insurance provisions of the Commercial General Liability Policy, Business Auto Policy Coverage Form, Workers Compensation and Employers Liability Insurance Policy, Commercial Umbrella Liability Policy, Commercial Property Policy, and Commercial Crime Policy. They will discuss coverages provided in each policy, as well as endorsements that may be needed to further tailor coverages to the specific exposures.
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.
