Personal Lines Miscellaneous
Self-Paced Online Course
The CISR Personal Lines — Miscellaneous Course addresses the coverage exclusions and limitations in the most current ISO Homeowners 3 – Special Form and the ISO Personal Auto Policy for exposures created by clients’ business activities and their ownership or use of recreational vehicles and watercraft.
Clients may not be aware they are lacking the proper insurance coverage for these activities until after a loss occurs. After completing this course, you’ll know the coverage gaps and when an appropriate endorsement is available to provide the needed insurance protection. You’ll also know the right questions to ask your clients to help you identify these exposures so you can tailor an appropriate insurance and risk management program that meets their needs. Learn how to analyze the important coverages offered through personal umbrella and excess liability policies.
Analysis of the ISO Homeowners and Personal Auto Policy to identify general and unique exposures of in-home businesses, risk management considerations, and methods of insuring in-home business exposures.
Learn to identify exposures faced by Personal Lines clients with recreational vehicles such as ATVs, snowmobiles, golf carts, and how to explain coverage solutions by endorsing the Homeowners and Personal Auto Policy.
Understand the Watercraft Coverage limitations of the ISO Homeowners Policy and the differences in the various Boat and Yacht Policy forms available to Personal Lines clients.
Overview of Personal Umbrella and Excess Liability products and how explain why this coverage is needed.