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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
Commercial Liability Endorsements To Watch Out For
Agents will examine some of the endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy. They will review several ISO endorsements and see examples of non-standard endorsements often used by insurers. In each case, they will discuss the effect that the endorsement has on the coverage that would otherwise have been afforded by the CGL Policy.
Insuring the Building Project: Builders Risk and Installation Floater
Agents will discuss how to insure building projects using Builders Risk Coverage forms. They will identify some of the pitfalls to using Commercial Property policies to cover construction and renovation projects. They will review key features to look for in a Builders Risk Policy and discuss how to examine important conditions and exclusions related to coverage. They will learn how to use the Installation Floater to meet the needs of trade contractors involved in building projects.
Health Savings Accounts and Long Term Care
Participants will be aware of the benefits afforded them of a Health Savings Account (HSA) and Long-Term Care (LTC) Insurance. By explaining state partnership laws and the benefit of depositing LTC premiums into an HSA, they will recognize the tax benefits of this process and how the programs work well together. They will understand HSA and how it is created. They will also understand Medicare and Medicaid as they relate to LTC and LTC Insurance.
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.
Ethics for the Insurance Professional
Participants 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. By reviewing court cases dealing with the agent as a “professional,” they will understand their duty to the customer, insurer, and peers. They will also understand unfair business and claims practices model act provisions.
Contractual Risk Transfer
Participants will examine contractual risk transfer as an insurance and non-insurance technique. They will examine various categories of indemnity agreements, such as Hold Harmless and Exculpatory agreements. They will identify potential problems and explore alternate ways to minimize insurance coverage conflicts.
