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2023 MEGA Schedule
| Date being Presented | Faculty | Length (hours) | Topic | Description |
| Fri, Sept 1 (10-12/2-4) | Patrick Deem | 4 | 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. |
| Tues, Sept 12 (1-5) | Crystal Uebelher | 4 | Deposition Success in Five Steps | In this 4-hour session, agents will explore the purposes of depositions and how to prepare themselves or their clients to successfully represent their position. Using a premises liability lawsuit case study, they will examine how lawsuits begin, the parties to a lawsuit, rules of civil procedure, and remedies to successful lawsuits. |
| Thurs, Sept 14 (10-12/2-4) | John Dismuke | 4 | Errors and Omissions Prevention vs. Mitigation | Errors and Omissions occur regularly and some of these lead to claims against agents, brokers, agencies, and companies. In this session, participants will examine the leading causes of error and omission claims, identify potential exposures, discuss ways to minimize them, and explain what to do if a claim is made against them. |
| Mon, Sept 18 (1-5) | Steve Lyon | 4 | Cutting Edge Insurance Issues | In this session, agents will identify emerging risks that could have a significant impact on their client’s business, their agency or organization, or even their career, such as: use of Bitcoin and other cryptocurrencies, medicinal and recreational marijuana, solar storms and falling satellites, autonomous vehicles, big data analytics, drones, nanotechnology, and ridesharing. They will discuss the exposures, coverage issues and gaps with traditional insurance policies, and explore possible insurance solutions to these unique risks. |
| Fri, Sept 22 (10-12/2-4) | Cathy Trischan | 4 | Doing the Right Thing: Ethics for Insurance Producers | Participants will examine the relationship between ethics and the choices insurance professionals make to protect their agencies against errors and omissions. They will discuss the ethical responsibilities of insurance producers, different approaches to decision making, and factors that determine the standard of care. Using real-life ethical dilemmas, they will look at some of the situations faced by insurance producers from ethical and E&O perspectives. |
| Wed, Sept 27 (1-5) | Rick Pitts | 4 | Ethical Issues | In this session, participants will understand ethical challenges that insurance professionals face, difference between legal and ethical responsibilities and their fiduciary duties and obligations to the customer, insurer, and peers. |
| Fri, Sept 29 (10-12/2-4) | Mike Smith | 4 | Practical Yacht Insurance | This session is designed to give participants a practical understanding of yacht and boat insurance policies unique coverages, exclusions, and warranties. They will learn terminology associated with boats and understand the basic underwriting criteria, philosophy, and market structure. They will examine the differences between marine insurance and standard P&C coverages, the losses associated with boats, and risk management techniques with emphasis on Error & Omission risk management. |
| Date being Presented | Faculty | Topic Length (hrs) | Topic Title | Description |
| Mon, Oct 2 (1-5) | Cathy Trishcan | 4 | Commercial Liability Concepts Your Client Will Be Glad You Understand | There are certain things every insurance producer should understand before writing commercial liability coverage for a client. What does bodily injury mean and does it include claims for emotional injury? What does the duty to defend in a CGL policy really mean and how does it work? What is the difference between subrogation and contribution, and how do our policies address waiver of subrogation? What are the possible coverage triggers under occurrence form policies, and how are costs allocated when multiple policy periods respond to a loss? How do claims made and claims made and reported policies work? |
| Fri, Oct 6 (10-12/2-4) | Steve Lyon | 4 | Understanding Occurrence and Claims Made Triggers | In this session, agents will review the occurrence and claims-made forms and examine the difference in coverage triggers. They will be able to explain the difference between the pure claims made and the more common claims-made and reported forms of coverage. Using real-life examples and court cases, they will identify coverage gaps and discuss ways to avoid them. They will have a better understanding of the Commercial General Liability Occurrence and Claims-Made coverage forms, including the advantages and disadvantages of each. |
| Thurs, Oct 12 (1-5) | Ross Pearce | 4 | Challenges Correctly Covering Condos & Cars | Participants will analyze significant issues encountered when writing residential condominium coverage. They will examine coverages and exclusions provided in the latest edition of the Homeowners 6 – Unit-Owners Form. They will discuss key definitions and examine the differences between the HO 00 06 and HO 00 03 (Homeowners 3 – Special Form). They will discuss ways to close coverage gaps using HO endorsements and examine possible solutions to better serve their clients. They will discuss the challenges with providing insurance coverage for Transportation Network Companies (TNCs), electric bikes and scooters, and autonomous driving vehicles. They will review coverage issues, as to what is or is not covered by the PAP and explore potential solutions to fill the gaps to better serve their insureds. |
| Wed, Oct 18 (1-5) | Paul Burkett | 4 | Cyber Liability – How Your Client Survives in a Connected World | Participants will gain a better understanding of cyber risk exposures and why businesses need cyber liability coverage. They will examine first-party and third-party exposures related to cyber risks, coverage limitations in standard liability policies, and major provisions commonly found in cyber liability insurance policies. They will review solutions that include cyberspace specific products and risk management. |
| Fri, Oct 20 (10-12/2-4) | Bob Ford | 4 | Indemnitee vs. Additional Insured – Which is Best? | This course will unlock the hidden meanings behind the terms “indemnification” and “indemnitee.” The participants will have a clear understanding that indemnification and insurance are two separate things. They will gain a clearer understanding of how the CGL’s insured contract really works and how it can and cannot be used to finance typical contractual risk transfer requests. |
| Mon, Oct 23 (1-5) | Cathy Trishcan | 4 | Named Insureds, Automatic Insureds & Non-Automatic Insureds | Participants will examine the status of Named Insureds, Automatic Insureds, and Non-Automatic Insureds in the Commercial General Liability and Business Auto Coverage Forms. They will learn the primary reasons for adding Additional Insureds, as well as the advantages and disadvantages. For each policy, a brief discussion of who is an insured is necessary to the understanding of why the additional insured endorsement may be needed and how it changes coverage. |
| Tues, Oct 31 (10-12/2-4) | Jeff Craig | 4 | Diversifying Revenue for P&C Producers: Mining Life, Disability, & Long-Term Care Opportunities | Participants will discuss the opportunities for non-independent insurance agents to penetrate the life insurance marketplace. They will explore how to serve as the risk manager for clients by becoming more multi-line oriented. They will examine the specific tools the p/c agent can use to uncover life insurance needs for existing clients or prospects. They will better understand how various life and health concepts can be used with existing business owners. They will discuss the purpose of a Buy-Sell Agreement and Key Person Insurance. They will learn how to use life insurance to insure the key person, how a 162 Bonus Plan can benefit the key person and the employer, how a buy-sell agreement can protect the business and the business owners, and more. |
| Date being Presented | Faculty | Topic Length (hours) | Topic Title | Description |
| Fri, Nov 3 (10-12/2-4) | Ted Kinney | 4 | What’s New in 2022: Changes in the Homeowners Policy | Effective March 2022, the Insurance Services Office (ISO) revised the Personal Lines Homeowners Program. This course includes updates to the ISO Homeowners Program coverage, definitions, exclusions, conditions, and provisions, as well as new considerations for emerging issues like cannabis and home-sharing activities. |
| Wed, Nov 8 (1-5) | Bettye Hutchison | 4 | Keep on Truckin’ | Participants will examine information on trucking industry regulatory and compliance issues, insurance coverage forms, and endorsements. They will gain a better understanding of specialty carrier’s non-standard forms. |
| Tues, Nov 14 (1-5) | John Brunette | 4 | Inland Marine Insurance | This 4-hour course will provide participants with an overview of the Nationwide Marine Definition and the distinction between controlled and uncontrolled inland marine lines. They will identify and examine current coverage issues, problems, and trends associated with key commercial inland marine coverages. They will discuss property in transit, owners vs. carriers vs. transportation, warehouse legal liability, construction and installation exposures, and technology. They will learn how a typical inland marine policy is constructed including covered property, property not covered, common coverage extensions, covered causes of loss, and other provisions. They will examine key features in the transportation forms, contractors’ equipment policies, warehouse legal liability policy forms, and technology forms. |
| Thurs, Nov 16 (10-12/2-4) | Ross Pearce | 4 | When the Child Becomes the Parent | Individuals “sandwiched” between aging parents and their own children are referred to as the sandwich generation. In this session, participants will identify the challenges of taking care of an aging parent and what resources are available, focusing on insurance options. They will discuss the government-based health care coverage plans including Social Security, Medicare, and Medicaid as they relate to Long-Term Care and Long-Term Care Insurance. They will understand the need for LTC Insurance, what it is, what it costs, what services it covers, and who should purchase it. They will review the types of LTC Policies, common LTCI provisions and options, and issues designing the LTC Policy for their clients. They will examine the medical underwriting issues and LTC Policy alternatives. |
| Tues, Nov 28 (1-5) | Bobby Shomo | 4 | Main Street America’s Property Coverage Traps & Dilemmas | How do insurance professionals appropriately insure Main Street America’s real property with 100+ year-old buildings that are purchased for a few hundred thousand dollars and have a multi-million-dollar replacement cost estimator? In this session, participants discuss the built-in moral hazard and contemplate the appropriate property coverage form choice (Replacement Cost, Functional Replacement Cost, Actual Cash Value) and its effect on the insured’s exposures and viability of their business. Using 4 catastrophic losses in a 4-year period, they will examine the reasons why insurance professionals must insure to the catastrophic loss exposure and not be lulled to sleep by satisfactory partial loss settlements. |
| Thurs, Nov 30 (1-5) | Bobby Shomo | 4 | Main Street America’s Ancillary Property Coverages and Catastrophic Loss | What are the hidden issues of insuring 100+ year-old buildings bought for a fraction of what it would take to rebuild them? These buildings are often bought and insured by small business enterprises as a home to their business model and give little thought to the ramifications of sharing walls with their neighbors and the effect of their insurance choices (especially Replacement Cost vs Actual Cash Value) on their livelihood and business viability. Using 4 catastrophic losses in 4 years, participants will examine catastrophic preparedness and ancillary issues, such as: shared walls, OSHA involvement, line of sight, contractors, and weather after the weather event. They will discuss ancillary coverage considerations with debris removal, business income extra expense, ordinance and law, and more. |
| Date being Presented | Faculty | Topic Length (hours) | Topic Title | Description |
| Mon, Dec 4 (10-12/2-4) | Ted Kinney | 4 | 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. |
| Wed, Dec 6 (10-12/2-4) | Casey Roberts | 4 | Cannabis, An Evolving Topic – It’s Not Just A Drug | The trend toward mainstreaming and legitimizing marijuana is here and will continue to have a significant impact on the insurance industry. With that trend comes new regulations and a huge number of insurance questions and issues. Even today, there seems to be misunderstanding about the differences between hemp and cannabis. After a brief review of the history of cannabis in the U.S., participants will discuss the legal and regulatory issues. They will learn how the 2018 Farm Bill changed the landscape and what it effectively did. Using current ISO forms, they will examine insurance coverage considerations with farm, general liability, commercial property, as well as endorsements. They will discuss other associated issues and challenges with insuring hemp and cannabis risks including banking problems, transportation, medical marijuana and workers compensation, product liability, D&O, crime, E&O and medical professional, employment practices liability, and cyber. |
| Tues, Dec 12 (10-12/2-4) | Keith Wilts | 4 | When the Business and Personal Automobile Policy Collide | Participants will examine the differences between the Personal Auto Policy (PAP) vs. the Business Auto Coverage Form (BAC/BAP), including “who is an insured,” eligibility, exclusions, and endorsements to provide the proper protection for the insured. They will learn how the PAP and BAP provide or exclude coverage for autos used in business and autos used for business and personal activities. Following this session, participants will be able to explain how coverage applies to individually owned autos used in business, autos owned by corporations and leased to employees, leased autos, and rented autos. They will examine personal auto liability coverage problems for vehicles used for livery and/or delivery and furnished autos. They will identify limitations and exclusions for electronic equipment and custom equipment. They will study problems associated with rental cars and other vehicles a person may have available for their use. |
| Wed, Dec 13 (10-12/2-4) | Jeff Wodicka | 4 | Producer Compensation (NO CE) | The art of creating a compensation plan that is designed to your unique agency needs and balanced to provide the producer with both financial security and limitless rewards based on performance will be studied in this hands-on practical approach to one of the foundational elements of Agency Management. (NO CE PROVIDED) |
| Thurs, Dec 14 (1-5) | Rick Goolsby | 4 | Senior Insurance Solutions | Participants will learn about the qualifications, coverage, gaps, and limitations of Medicare and Medicaid. They will explore Long Term Care Insurance as to what it is, what it costs, what services it covers, and who should purchase it. They will gain a better understanding of LTC Partnership Programs and how they work. They will discuss the distribution of the estate, as well as life insurance. |
| Mon, Dec 18 (1-5) | Ross Pearce | 4 | Gaps in Homeowner’s Policies Due to Changes in Family Dynamics | Participants will discuss new and current homeowner’s issues that insureds face today due to the changes in family dynamics. They will examine coverages and exclusions provided in the latest edition of the Homeowners Policy. Using real-life scenarios, they will learn how the Homeowners Policy provides or excludes coverage for exposures, such as: residence premises, tiny houses, persons living together, other structures on premises, homes rented to others, aircraft (drones), electric bikes and scooters, ordinance or law, and personal liability claims. They will discuss the exposures, whether the Homeowners Policy provides adequate coverage for the exposures, ways to close the coverage gaps using endorsements, and other possible solutions to better serve their clients. |
| Wed, Dec 20 (10-12/2-4) | Crystal Uebelher | 4 | You’ve Been Served – What To Expect When You Are Sued | Using a hypothetical insurance case study, participants will gain an understanding of the stages of the investigation and litigation including the importance of the insured’s participation in the process. Key policy terms that provide the insurance carrier with tools to successfully investigate and defend lawsuits against insureds will be examined and discussed. |
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The Online Ruble MEGA Seminar is approved for CE and designation update credit, includes practical content you can use immediately, and is taught by our highly rated faculty in real time.
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- Taught live by nationally recognized industry practitioners
- Full attendance required for update or CE Credit
- No final exam required
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“What I loved about the new online MEGA is the flexibility to take one’s 16 hour update over the entire year, with several offerings to choose from. While I only needed 4 of the online MEGA topics to fulfill my 16 hours, there are additional topics of interest that I am taking through the year end offering…one isn’t limited to just the 4 update topics.”
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