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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
Exploring Personal Auto Claims & Coverage Scenarios
Using various case scenarios, adjusters will review the most current ISO Personal Auto Policy and endorsements to determine if the loss or situation is covered. They will discuss the claims and coverage scenarios, determine if the loss or situation is covered, and identify endorsements that may be needed to cover or expand coverage for the exposure. They will examine how the PAP provides or excludes coverage for exposures, such as: replacement vehicles, roommates driving covered autos, truck rental for personal use, hitting an animal, sunken car leaking oil in a lake, newly acquired autos, unlisted vehicles, vehicles used for livery and/or delivery, rental car, loading and unloading a vehicle, driving for Uber, death of a foster child, named insureds and divorce, and more. They will identify the problems and discuss possible solutions to better serve their clients.
Commercial Property - You Better Sweat the Small Stuff
In this session, participants will identify potential coverage pitfalls that could create problems and examine ways to solve them. They will review the appropriate Commercial Property policies and endorsements, such as the Building and Personal Property Coverage Form, as well as coverage for Landlords and Tenants, Ordinance or Law, Legal Liability Form, Leasehold Interest Coverage Form, and Protective Safeguards endorsements. They will discuss insurable interest in commercial property – who is the owner of the property, who is responsible for the property, and who will suffer financially if the property is damaged or destroyed. They will examine issues related to tenant’s improvements and betterments. They will identify various types of valuation and how each one works in a claim situation. They will look at how Ordinance or Law is addressed in a claim situation. They will learn the importance of Protective Safeguards endorsements – the purpose and how they work.
Ethics You Can Use
Participants will examine 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 compare and be able to explain the difference between legal and ethical responsibilities and discuss the foundations of ethical behavior. They will review court cases dealing with the agent as a “professional” along with the agent’s duty to the customer, insurer, and peers. Using a series of case scenarios, they will be able to identify what constitutes an ethical dilemma and apply the ethical principles discussed in this session to determine the right course of action.
Cannabis, An Evolving Topic - It's Not Just a Drug
The trend toward mainstreaming and legitimizing marijuana is here and will continue to have a significant impact on the insurance industry. With that trend comes new regulations and a huge number of insurance questions and issues. Even today, there seems to be misunderstanding about the differences between hemp and cannabis. After a brief review of the history of cannabis in the U.S., participants will discuss the legal and regulatory issues. They will learn how the 2018 Farm Bill changed the landscape and what it effectively did. Using current ISO forms, they will examine insurance coverage considerations with farm, general liability, commercial property, as well as endorsements. They will discuss other associated issues and challenges with insuring hemp and cannabis risks including banking problems, transportation, medical marijuana and workers compensation, product liability, D&O, crime, E&O and medical professional, employment practices liability, and cyber.
