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2023 MEGA Schedule
| Date being Presented | Faculty | Topic Length (hours) | Topic Title | Description |
| Mon, Jan 9 (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. |
| Fri, Jan 13 (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. |
| Wed, Jan 18 (1-5) |
Sam Bennett | 4 | Transportation Exposures of the Agriculture Client | This session will examine the transportation exposures faced by agricultural risks. Agents will review mobile equipment coverages found in farm liability forms; coverage for owned and non-owned vehicles under the Personal Auto Policy (PAP); and auto coverages available under the Business Auto Policy (BAP). |
| Tues, Jan 24 (10-12/2-4) |
Jay Williams | 4 | Underlying Versus Excess: A Closer Look At Policy Provisions | Agents will compare and contrast the ISO Commercial General Liability (CGL) Policy with Excess or Umbrella policies that might sit over the top. Understanding the similarities and differences between the language within each form will enable agents to recognize where gaps may be created and have a more in-depth understanding of why those gaps exist. |
| Fri, Jan 27 (10-12/2-4) |
Alec Grandon | 4 | From 5-Figure Settlements to 12-Figure Verdicts: A Curated Study | After an overview of the history through a review of select impactful cases, participants will better understand and be able to explain how jury verdicts have gone from compensatory to “nuclear.” With that understanding as a basis, the course will conclude with an overview of risk management and mitigation strategies to avoid, or lessen, these “social indemnification” verdicts and their impact upon the insurance ecosystem. |
| Date being Presented | Faculty | Topic Length (hours) | Topic Title | Description |
| Fri, Feb 3 (10-12/2-4) | 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. |
| Tues, Feb 7 (10-12/2-4) | Charlotte Hicks | 4 | Flood Insurance Under Risk Rating 2.0 | A complete review of the NFIP Flood program including new Risk Rating 2.0 changes. |
| Mon, Feb 13 (10-12/2-4) | Jerry Kennedy | 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. |
| Wed, Feb 15 (1-5) | Mark Gaskamp | 4 | Whose Risk Is It? Managing Contracts & the Risk Transfer Process/Driving Down Cost of Accidents | In this session, agents will examine the risks associated with contractual relationships, especially as it relates to the operation of autos on company business. Agents will review the key exposures related to vehicles and drivers, as well as some of the risk control and risk transfer techniques available to their commercial clients. |
| Tues, Feb 21 (1-5) | Patrick Deem | 4 | Workers Compensation Issues and Trends | By the end of this session, you will understand coverage areas of Workers Compensation and Employers Liability that are often overlooked. You will examine the impact of an aging workforce on the Workers Compensation marketplace. You will identify issues related to Waiver of Subrogation and the use of Independent Contractors. You will look at the Experience Modification system, its purpose, characteristics of the system, problems that can arise with the system, and discuss how these problems can be addressed. |
| Date being Presented | Faculty | Topic Length (hours) | Topic Title | Description |
| Fri, Mar 3 (10-12/2-4) |
Keith Wilts | 4 | The Insured, Additional Insured vs. Named Insured Debate | The individuals and entities who are afforded protection under a commercial liability policy can be divided into three groups – Insured, Additional Insured, or Named Insured. The decision of whom to name on the policies declaration page is one of the most significant factors that determine the extent of protection for each insured. In this session, participants will discover factors that can influence the named insured description. They will analyze automatic insureds and learn the primary reasons for adding additional insureds, as well as the advantages and disadvantages. They will focus on named insured as it relates to Commercial General Liability, Business Auto, and Commercial Property. They will discuss potential problems along with possible solutions for coverage gaps. |
| Mon, Mar 6 (10-12/2-4) |
Tim McClendon | 4 | Cyber Risk – Exposures and Products | This session provides an introduction to e-commerce issues and opportunities, including areas of agent concentration, technology E&O issues, and common cyber threats. Agents will identify possible solutions to the unique exposures and coverage gaps present in e-commerce risks. |
| Wed, Mar 8 (1-5) |
Jerry Kennedy | 4 | Personal Lines Hot Topics | Participants will learn how the Personal Automobile Policy relates to rental cars, use of company cars for personal use, and use of personal autos for business purposes. They will understand the unendorsed Personal Automobile Policy coverage limitations on electronic equipment, custom accessories, and vehicle valuation, and know how to address them. They will review exposures from catastrophic events and the loss issues that result. They will examine identity theft exposure and how the Homeowners Policy can be endorsed to provide protection. They will learn the proper way to insure condominiums, including adequate insurance limits, coverage, and protection from loss assessments. |
| Mon, Mar 13 (10-12/2-4) |
Cathy Trischan | 4 | Commercial Property Concepts Your Client Will Be Glad You Understand | In this session, agents will identify potential pitfalls that could create problems and examine ways to solve them. Topics will include valuation, debris removal, ordinance or law, and vacancy as they pertain to the Building and Personal Property Coverage Form, as well as the Legal Liability and Leasehold Interest Coverage Forms. |
| Tues, Mar 21 (1-5) |
LaToya Maddox | 4 | Retirement Landmines | Three major issues for anyone planning for retirement are senior healthcare, long term care and generating retirement income. This program discusses in detail the important decisions that both retirees and those planning for retirement must make when developing a retirement plan. |
| Thurs, Mar 30 (10-12/2-4) |
Nikki Sherrill-Wyatt | 4 | Garage Coverage Form v. Auto Dealers Coverage Form | After an overview of this important insurance product, participants will be able to describe the concepts of why it is needed. They will identify differences in the Garage Coverage Form, the Auto Dealer Coverage Form, and the GarageKeepers Endorsement, including general provisions and exclusions and the relationship to their eligible insureds. |
| Date being Presented | Faculty | Topic Length (hours) | Topic Title | Description |
| Tues, April 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. |
| Thurs, April 6 (1-5) |
Bryan Tilden | 4 | Advanced Business Income | Participants will take an in-depth look at the business income exposure. They will review business continuation plans, policy language and its effects on the insured, pros and cons of various endorsements, the use of the Extra Expense Coverage Form and the Leasehold Interest Coverage Form, and more. |
| Wed, April 12 (10-12/2-4) |
Mark Gaskamp | 4 | What Every Risk Manager or Agent Needs to Know about OSHA/Ergonomics – Workplace Injuries | Dealing with the Occupational Safety and Health Administration (OSHA) and other worker safety regulatory agencies is a day-to-day requirement for many organizations. It is important that risk managers and insurance agents understand these requirements and the potential impact on the organization’s overall cost of risk. In this session, you will better understand the key standards related to OSHA to better engage and assist organizations with workplace safety initiatives. |
| Mon, April 17 (1-5) |
Steve Lyon | 4 | Construction Court Cases and Issues | In this session, agents will identify construction exposures that could have a significant impact on their client’s business. They will discuss faulty workmanship, general contractors, subcontractors, defective work, insurance requirements common in construction contracts and why they are important, and exclusions. Using construction court cases, they will examine the exposures, coverage issues, gaps, and pitfalls with traditional property and casualty insurance policies and explore possible insurance solutions to these unique risks. |
| Thurs, April 20 (1-5) |
Jerry Kennedy | 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, April 28 (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. |
| Date being Presented | Faculty | Topic Length (hours) | Topic Title | Description |
| Tues, May 2 (1-5) | Allen Messer | 4 | Agency Coverage Standards | Every insurance agency should establish coverage standards to better serve their clients. Coverage standards include needed coverages and endorsements and avoided endorsements. In this session, participants will review and examine the specific insurance provisions of the Commercial General Liability Policy, Business Auto Policy Coverage Form, Workers Compensation and Employers Liability Insurance Policy, Commercial Umbrella Liability Policy, Commercial Property Policy, and Commercial Crime Policy. They will discuss coverages provided in each policy, as well as endorsements that may be needed to further tailor coverages to the specific exposures. |
| Mon, May 8 (10-12/2-4) | 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. |
| Wed, May 10 (1-5) | John Dismukes | 4 | Issues with Answers: Commercial P&C | Participants will identify significant current commercial coverage issues and review the insurance coverage designed to address them. They will discuss coverage issues related to ordinance or law, valuation including agreed value versus agreed amount, major exposures when the insured has personal property of others in their care, and occurrence versus claims-made. They will learn about the problems and discuss possible insurance solutions to better serve their clients. |
| Tues, May 16 (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. |
| Thurs, May 18 (10-12/2-4) | Chris Christian | 4 | Healthcare Opportunities, Exposures and Coverages for the Non-Specialist Agent | Participants will understand how healthcare risks differ from those of other industries and learn about the wide variety of healthcare-related operations. They will discuss how malpractice coverage functions for medical professionals, how underwriters evaluate and rate risks, and what coverages are most pertinent to healthcare providers and related entities. |
| Fri, May 26 (10-12/2-4) | Sam Bennett | 4 | Personal Lines and The Sharing Economy | Participants will examine the concerns that exist when clients offer property and/or use property of others via popular web-enabled services such as VRBO, Couchsurf, Airbnb, and similar platforms. They will explore the most commonly used Homeowners Coverage forms, Personal Auto Policy, Recreational Vehicle Coverage forms, Watercraft policies, and the endorsements that can be used to provide coverage for these unique exposures. They will better understand the coverage issues that may arise when these items are shared with others. |
| Date being Presented | Faculty | Topic Lenth (hours) | Topic Title | Description |
| Fri, June 2 (10-12/2-4) | Keith Wilts | 4 | Contractual Liability…Separating Fact from Fiction | Participants will examine the systematic process of identification and coverage analysis when writing insurance to protect commercial clients who enter into contracts or who add additional insured endorsements to their insurance policies. They will analyze significant insurance coverage issues encountered when entering into hold-harmless agreements, indemnification agreements, leases, and construction contracts. They will evaluate the significant difference in contractual liability protection in the Commercial General Liability Policy and Business Auto Policy for a Named Insured, an insured identified in the Who Is An Insured section, and Additional Insured added by endorsement. |
| Mon, June 5 (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, June 7 (1p-5p) | Bob Ray | 4 | Flying High: Aircraft Insurance Fundamentals | This 4-hour session is designed to give participants a practical and better understanding of personal and commercial aviation insurance policies unique coverages, exclusions, and warranties. They will learn terminology associated with personal and commercial aircraft and discuss the basic underwriting criteria and market structure. They will identify the liability and property exposures, including an explanation of the policies available to handle these exposures. They will examine the differences between commercial and personal aviation insurance and the major underwriting issues. |
| Thurs, June 15 (1-5) | Lance Ewing | 4 | Emerging Risks in Changing Times | Preparing for new and emerging risks can be a full-time job for the insurance professional. Technology, nature, terrorism, artificial intelligence, human and economic developments are rapidly changing the risk landscape and the insurance environment. In this session, you will identify those emerging risks that could have a significant impact on your client’s business, their agency or organization, or even their career. Using an interactive and breakout approach, you will learn how to prepare for what “will” happen rather than “what” happened. |
| Wed, June 21 (1-5) | Neil Pinsker | 4 | Healthcare Revealed – Health Insurance Delivery System | Participants will examine how the healthcare industry has evolved from the 18th century to 2021 and COVID-19. They will take an in-depth look at the current state of affairs including employer-sponsored health insurance, Medicare and Medicare Advantage, Medicaid and individual health plans, consumer-driven health care coverage options, unique cost drivers, administrative healthcare costs, and other reasons for the increase in health care costs. Participants will learn how the healthcare delivery system has evolved from indemnity (no network) to managed care to integrated delivery systems. The session will end with a discussion on solutions to improving the quality of healthcare, and what the future hold may hold. |
| Tues, June 27 (1-5) | Bryan Tilden | 4 | Insurance Valuation Problems | Participants will explore property valuation issues and discuss valuation problems with buildings, equipment, and inventory. They will review policy language and discuss the major valuation changes in the most recent Commercial Property filing. They will examine the alternative valuation options to change valuation to meet the client’s expectations and learn the proper way to handle reporting form issues. |
| Date being Presented | Faculty | Length (hours) | Topic | Description |
| Mon, July 10 (1-5) | Victor Puleo | 4 | Care for the Long Term: HSA and LTC Plans Working Well Together!! | Participants will be aware of the benefits afforded them of a Health Savings Account (HSA) and Long-Term Care (LTC) Insurance. They will understand the HSA and how it is created. They will also understand Medicare and Medicaid as they relate to LTC and LTC Insurance. They will learn what LTC insurance is, what it costs, what services it covers, and who should purchase it. They also learn the tax advantages of having an HSA and LTC Insurance. By explaining state partnership laws and the benefit of depositing LTC premiums into an HSA, they may also recognize the tax benefits of this process and how the programs work well when they are both purchased. |
| Wed, July 12 (1-5) | Rick Goolsby | 4 | Realities and Rewards of Retirement Planning | Participants will gain an understanding of the need for retirement planning. They will learn how qualified plans can best provide the most cost-efficient method of accumulating retirement dollars. They will analyze various types of retirement funding mechanisms, including 401(k) plans, Individual Retirement Accounts (IRA), Roth IRA, Simplified Employee Pension plans (SEP), Savings Incentive Match Plans for Employees (SIMPLE), and Annuities. They will discuss ways to bring the retirement plan together. |
| Tues, July 18 (10-12/2-4) | Jay Williams | 4 | Driving The Business Auto Coverage Form | After an overview of the structure of the Business Auto Policy, participants will take an in-depth look at the coverages provided by the Business Auto Coverage Form (CA 00 01). They will review the important contract provisions including covered autos (symbols), liability, physical damage, and conditions. They will identify important BAP exclusions and their impact on the insured. They will examine specific BAP endorsements and discuss how they can amend policy provisions, add coverage, or restrict coverage. |
| Thurs, July 20 (1-5) | Dave Hershey | 4 | Managing the Nuts & Bolts of a Diverse Risk Management Program | In this session, agents will examine how to structure an insurance and risk management program for a large, complex, organization. They will learn ways to transfer risk with self-insurance, insurance, large/low deductible, self-insured retention, contractual risk transfer, and more. They will discuss ways to provide coverage for workers compensation, auto liability, general liability, marine liability, pollution liability, property, cargo, and international exposures. |
| Wed, July 26 (1-5) | Neil Pinsker | 4 | Healthcare Revealed – Health Insurance from the Consumer to the Companies | Participants will examine the healthcare industry from the consumer to the insurance companies. They will look at the health insurance industry from the perspective of insurance brokers, employers that purchase health insurance on behalf of their employees, and the ultimate consumer end user. They will discuss the distribution system for employer-paid plans, consumer-paid plans, non-employer sponsored plans, and brokers and consultants. They will compare the strengths and weaknesses of the major players in the healthcare industry today. They will discuss funding options used by health insurance companies – fully insured, self insured, and self insured + stop loss. They will examine how dental insurance is similar and different from medical insurance. They will learn how pharmacy insurance works and the role of the Pharmacy Benefit Manager (PBM). |
| Mon, July 31 (10-12) | Bill Reedy | 2 | No Business is an Island: A Closer Look at Dependent Property | With the use of a case study, this 2-hour session will examine the features of Dependent Properties Time Element Coverage. Discover how this coverage is designed to pay for the loss of income resulting from damage from a covered cause of loss to the premises of an organization upon which the insured depends, such as an important customer or main supplier. Investigate how to identify the need for this coverage and when changes to it are required. |
| Mon, July 31 (2-4) | Casey Roberts | 2 | Animal Mortality: When Bad Things Happen to Our Good Animals | Mortality insurance coverage for animals, especially farm or agricultural animals, can take many forms. While there is some coverage available in the Farm Property coverage forms, insureds may be unhappy with the loss settlement limitations provided by those forms. Agents will review the ISO Farm Property forms and examine some Animal Mortality forms. They will review and compare what is covered, what is not covered, and what is excluded in each policy types. |
| Date being Presented | Faculty | Length (hours) | Topic | Description |
| Thurs, Aug 3 (1-5) | Charlotte Hicks | 4 | Today’s Insurance Agency: Adapting to an Online World | In this session, participants will explore how they can leverage the digital tools available to them to attract clients, meet their insurance needs, and minimize errors and omissions risk. |
| Mon, Aug 7 (1-5) | Bryan Tilden | 4 | Arson and the Insurance Contract | Arson is a crime, yet it happens every day. This course will take participants on a journey through the arson investigation and a discussion on how a property policy may or may not respond. |
| Fri, Aug 11 (10-12/2-4) | Daniel Fink | 4 | Insuring Hurting Employees – WC & EPLI | Employees get hurt while working, and employers get sued and often held responsible for those injuries. In this session, participants will look at two major policies protecting employers and their employees, Workers Compensation and Employment Practices Liability. They will learn why employers need both Workers Compensation coverage and EPLI. |
| Tues, Aug 15 (1-5) | Keith Wilts | 4 | Commercial Property Coverage and Valuation Challenges | Replacement Cost, Actual Cash Value (ACV), Market Value, Selling Price, Ordinance or Law, Depreciation, and Functional Replacement Cost are terms/phrases used in commercial property policies to describe methods of calculating property values at the time of underwriting and loss. In this 4-hour session, agents will learn what these terms/phrases mean and explore property valuation issues. They will discuss valuation problems with buildings, equipment, and inventory. They will review policy language and discuss the major valuation changes in the most recent Commercial Property filing. They will examine the alternative valuation options to change valuation to meet the client’s expectations. They will learn the proper way to handle reporting form issues. |
| Wed, Aug 23 (1-5) | Chappy Chapman | 4 | 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. |
| 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 | Marketing 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 (hrs) | Topic Title | Marketing 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. |
| Mon, Nov 6 (1-5) | Brian Tilden | 4 | Insuring Defective Construction | Participants will identify construction defects and discuss how the Commercial General Liability policy handles these exposures. They will explore the new additional insured endorsements that exclude damage arising from the work of a subcontractor. They will analyze the various coverages and exclusions applicable to construction claims and learn about the coverage applicable to contractors. |
| 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 (hrs) | Topic Title | Marketing 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 (1-5) | Brian Tilden | 4 | Hidden Policy Coverage | Using case law interpretation of liability policies, participants will examine hidden coverages in both personal and commercial lines policies. They will understand who is insured under the PAP, employer’s liability and the CGL, host liquor liability and the CGL, auto coverage under the Homeowners and CGL, contractor’s liability coverage, and more. They will examine endorsements that should be considered to enhance coverage. |
| 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. |
| 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.
- Practical content
- 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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