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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 - 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.
Contractual Indemnity and Additional Insured Considerations for the Energy Sector
As the energy sector continues to evolve, their organizations are looking for ways to help successfully identify, manage, and mitigate contractual risks for their specific needs. This course begins with an overview of risk transfer – reasons for transferring risks and methods used to transfer risk. Participants will be able to describe how indemnification found in contracts is different from insurance and how certain insurance policies interact with such contractual indemnification requests. They will be able to explain what obligations are contained inside the contract that the insurance policy will not be able to cover. They will discuss examples showing various contractual phrases as well as coverage language excerpts from the Commercial General Liability Policy. They will look at examples of Additional Insured endorsements, showing various approaches taken by insurance carriers when offering to modify the CGL, and how such modifications will affect the outcome of losses.
