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Ruble Graduate Seminar

Nov 03, 2026 - Nov 04, 2026 | Hilton Head Island

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Attention: This course is not approved for State reported continuing education credits.

You can not register same event with in 30 days.

Designated participants are only allowed to register for this course.

This Online MEGA is allowed only for CIC, CRM and CPRM Dues Paid designees.

To earn designation update credit in this course, you MUST have paid your annual dues. Please click the link to Pay your Dues

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.

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

Personal Lines Claims Issues

Using a question and answer format, agents will discuss how the Personal Auto and Homeowners Policies provide or exclude coverage. Participants will discuss how the PAP provides or excludes coverage for exposures, such as: students away from school, persons living together without the benefits of marriage, personal vehicles purchased through a company owned by the insured, motorized vehicles, rental cars, and vehicles used for livery and/or delivery. They will look at how the Homeowners Policy provides or excludes coverage for identity theft, business in the home, homes put in the name of a trust, and more.

Insurance and the Property Lease

Using various claims situations, participants identify and examine the issues and problems when providing property insurance protection for an insured whose insurable interest is created through a lease or other form of “contractual” arrangement. They will identify provisions found in leases of real property that may impact how property insurance should be written. They will discuss when and under what conditions subrogation may be waived in the Commercial Property Coverage forms and examine the impact of a “Mutual Waiver of Subrogation” clause found in property leases. They will identify how Tenant’s Improvements and Betterment should be written and how losses will be valued at the time of loss. They will discuss how to insure and value personal property that is leased by an insured. They will review other miscellaneous leases, such as contractor’s equipment and apartments for kids away at college.

Insurance Claims That Cause Problems

Using various claim situations, participants will identify some common coverage issues that create problems. They will discuss Business Auto issues, as well as Commercial Property Coverage issues related to vacancy, setting building limits, margin clause, tenants improvements and betterments, condominium valuation, blanket coverage, business personal property, and business income. They will review the appropriate policy and endorsements and determine whether or not coverage is provided and how best to address any gaps in coverage.

Organizational Culture The Solution To Creating An Ethical And Productive Agency

Participants will discuss the importance of ethical behavior. What is it? Why is it important? How does an insurance agency develop it and incorporate it in the remote workforce? In this session, participants will review 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 discuss the key to ethical decision making. They will examine how to create an ethical team environment in the insurance agency.

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