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Attention: This course is not approved for State reported continuing education credits.
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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
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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
Agents Beware: E&O, Certificates, and Fraud
Errors and omissions can lead to claims against insurance professionals. Certificates and binders often cause frustration and confusion, contributing to E&O claims. This four-hour session will cover three main topics affecting daily operations. Participants will analyze the causes of E&O claims and learn strategies for prevention. Real-life examples will be used to identify potential exposures and discuss appropriate responses if claim is made. The session will also address challenges arising from certificate of Insurance and binders, learn their importance, purpose and effective use to protect clients from unexpected and unintended exposures. Common errors in issuing Certificates and binders will be discussed, along with strategies to avoid them. Finally, the impact of insurance fraud on the U.S. economy and consumers will be examined, including specific cases involving insurance professionals and their consequences.
Insuring Contractors: Special Trade Contractors & Sub-Contractors
This 4-hour course is tailored for insurance professionals working with small to medium-sized contractors, special trade contractors, and sub-contractors, but are not contracting specialists. It covers contracting relationships, including contract parties, legal components, and relevant licensing and state regulations. Participants will explore various exposures such as commercial property, business auto, commercial general liability, and workers' compensation faced by various contracting sectors. Utilizing the ISO’s most current Commercial Property, Business Auto, and Commercial General Liability insurance policies, they will assess how these policies respond to the unique exposures of the contracting sector. Additionally, the course will cover NCCI's Workers Compensation Policy, surety bonds, and controlled insurance programs (OCIPs and CCIPs). Participants will learn how to manage these issues effectively and improve their understanding of contracting-related risks.
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.
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.
