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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
Challenges Correctly Covering Condos & Cars
Participants will analyze significant issues encountered when writing residential condominium coverage. They will examine coverages and exclusions provided in the latest edition of the Homeowners 6 – Unit-Owners Form. They will discuss key definitions and examine the differences between the HO 00 06 and HO 00 03 (Homeowners 3 – Special Form). They will discuss ways to close coverage gaps using HO endorsements and examine possible solutions to better serve their clients. They will discuss the challenges with providing insurance coverage for Transportation Network Companies (TNCs), electric bikes and scooters, and autonomous driving vehicles. They will review coverage issues, as to what is or is not covered by the PAP and explore potential solutions to fill the gaps to better serve their insureds.
Gaps in Homeowner's Policies Due to Changes in Family Dynamics
Participants will discuss new and current homeowner’s issues that insureds face today due to the changes in family dynamics. They will examine coverages and exclusions provided in the latest edition of the Homeowners Policy. Using real-life scenarios, they will learn how the Homeowners Policy provides or excludes coverage for exposures, such as: residence premises, tiny houses, persons living together, other structures on premises, homes rented to others, aircraft (drones), electric bikes and scooters, ordinance or law, and personal liability claims. They will discuss the exposures, whether the Homeowners Policy provides adequate coverage for the exposures, ways to close the coverage gaps using endorsements, and other possible solutions to better serve their clients.
Commercial Property Concepts Your Client Will Be Glad You Understand
In this session, agents will identify potential pitfalls that could create problems and examine ways to solve them. Topics will include valuation, debris removal, ordinance or law, and vacancy as they pertain to the Building and Personal Property Coverage Form, as well as the Legal Liability and Leasehold Interest Coverage Forms.
Commercial Liability Concepts Your Client Will Be Glad You Understand
There are certain things every insurance producer should understand before writing commercial liability coverage for a client. What does bodily injury mean and does it include claims for emotional injury? What does the duty to defend in a CGL policy really mean and how does it work? What is the difference between subrogation and contribution, and how do our policies address waiver of subrogation? What are the possible coverage triggers under occurrence form policies, and how are costs allocated when multiple policy periods respond to a loss? How do claims made and claims made and reported policies work?
