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This Online MEGA is allowed only for CIC, CRM and CPRM Dues Paid designees.
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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
What You Auto Know About the BAP: Gaps, Traps or OMG
Participants will identify the gaps and traps in the ISO Business Auto Policy and learn ways to avoid and/or close the gaps in coverage. They will examine BAP endorsements and discuss how they can amend policy provisions, add coverage, or restrict coverage. They will be able to determine how best to address their client’s needs to avoid the gaps and traps in coverage.
Certificates of Insurance: The Bane of Our Existence
Insurance certificates can be one of the more dangerous documents that float between insureds and insurers. In this session, participants will learn the importance of a certificate of insurance and how to use it properly to protect their clients from unexpected and unintended contractor exposures. They will examine the purpose of a certificate, critical details to consider before issuing a certificate, and typical contract requests for inclusion on certificates. They will identify common problems and mistakes when issuing certificates and discuss ways to avoid these common problems and errors.
Ethical Principles - Everything Has Changed (Nothing Has Changed)
Agents 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. They will review the core components of responsible agent conduct and better understand their duty to the customer, insurer, and peers. Agents will review the steps used in the ethical decision-making process and then apply them to real-life scenarios. They will discuss examples of improper conduct and how unethical behavior can create a breach in a legal requirement. They will also understand unfair business and claims practices model act provisions.
An Exploration of the Property Casualty Side of Farming
Things are changing quickly in how farms are operated. Farming is turning more everyday into an ongoing commercial lines business. In this session, participants will look at what these changes mean to the farm operator, examine the new farm exposures, and determine how to put together an insurance program that fits the farm operator’s needs. They will explore farmers liability issues when an injury occurs to a farm employee and when an injury occurs when driving or towing a farm implement. They will look at farming and contractual issues for operations other than traditional farming.
Homeowners 2022
Participants will learn about significant coverage changes in the 2022 multistate revision of the ISO Homeowners Policy and discuss how these changes may impact coverage for their clients. Changes include revisions to coverage form definitions, exclusions, conditions, and provisions, as well as coverage for emerging issues, such as cannabis and home-sharing activities.
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.
