Select Your Sessions After Registration

CIC, CRM & CPRMs: Select 4 - 5 sessions.

CISR & CSRMs: Select 2 - 3 sessions.

Click below to see the monthly schedule for 2021

  • 03/04/2021 –Executive Liability: Evolving Times, Evolving Exposures, Evolving Insurance (Part I) (4 Hours): Learn to better understand executive risk exposures and how these exposures have received additional attention in recent years. 
  • 03/05/2021 –Executive Liability: Evolving Times, Evolving Exposures, Evolving Insurance (Part II)(4 Hours): Take an in-depth look at the evolving liability exposures and insurance coverages for executive risks and discuss ways to provide coverage for executives and organizations from these unique exposures prevalent in today’s business environment.
  • 03/11/2021 – Protecting Wine Collections – An Insurance Perspective(4 Hours): Learn about the challenges to insuring wine and ways to deal with this unique exposure using insurance and risk management.
  • 03/19/2021 – Diagnosing Issues in the CGL Policy(4 Hours): Learn about a variety of liability exposures and the insurance coverage designed to address these specific concerns including occurrence and claims-made triggers, types of insureds, as well as coverage pitfalls and their remedies.
  • 03/23/2021 – Sink or Swim? Navigating Marine Insurance: Selling, Policy Interpretation and Admiralty Law (4 Hours):A 4-hour session designed to give agents a practical and better understanding of personal and commercial marine insurance policies unique coverages, exclusions, and warranties.
  • 03/25/2021 – Crisis Response for Insurance Professionals: How to Assist an Insured’s Response to A Crisis (4 Hours): An examination of the general principles of crisis response including the insurance implications of specific types of crises such as active assailants, product recalls, and data breach/cybersecurity.
  • 03/29/2021 – Commercial Property Checklist (4 Hours): Learn how to develop a Commercial Property checklist for building, business personal property, and personal property of others, as well as time element exposures and coverages. Learn how to write Ordinance or Law Coverage for Tenant’s Improvements and Betterments, how to provide coverage when the total cost of repair or replacement exceeds the Limit of Insurance following a natural disaster, Business Income triggers for floods, and more.
  • 04/01/2021 –Ethical Issues (4 Hours): Learn about the professional, legal, and ethical responsibilities of complex ethical issues of the insurance industry.
  • 04/07/2021–Products Liability the Forgotten Coverage (4 Hours): Agents will take an in-depth look at Product Liability Coverage Issues.  They will discuss coverage under a Commercial General Liability Coverage Form and Stand-Alone.  They will learn about coverage from triggers and the products-completed operations hazard.
  • 04/16/2021– Insuring the Building Projects: Builders Risk (4 Hours): Agents will discuss how to insure building projects using Builders Risk Coverage forms.  They will identify some of the pitfalls to using Commercial Property policies to cover construction and renovation projects.  They will review key features to look for in a Builders Risk Policy and discuss how to examine important conditions and exclusions related to coverage.  They will learn how to use the Installation Floater to meet the needs of trade contractors involved in building projects.
  • 04/22/2021 – Diagnosing Issues in the CGL Policy (2 Hours):Learn about a variety of liability exposures and the insurance coverage designed to address these specific concerns including occurrence and claims-made triggers, types of insureds, as well as coverage pitfalls and their remedies.
  • 04/22/2021 – Personal Automobile vs. The World (2 Hours): Agents will examine coverages and exclusions provided in the latest edition of the Personal Auto Coverage Form.  They will discuss the challenges with providing insurance coverage for Transportation Network Companies (TNCs) – Uber, Lyft, Zipcar, and similar programs.  What are TNCs?  How do they work?  What are the exposures to the vehicle owner, driver, passenger?  What are the concerns for the agency and/or insurance company?  Agents will review coverage issues, as to what is or is not covered by TNCs and what is or is not covered by the PAP.  They will explore potential solutions to fill the gaps to better serve their insureds and to avoid errors and omissions.
  • 04/29/2021 – Insuring the Uninsurable (4 Hours): What is an uninsurable risk or exposure?  Some risks or exposures are considered uninsurable by the commercial insurance industry.  In this session, agents will examine several options organizations can consider using to solve these kinds of “uninsurable” losses.  They will look at traditional approaches to covering these unique exposures, such as self-insurance, pools, and captive insurance companies including the specialized captive.  They will learn about Finite Risk Insurance – what it is, special characteristics, common features, types, and how it works.
  • 05/03/2021 –Confessions of an Insurance Expert Witness (4 Hours): In this session, agents will learn how insurance really plays to real-world situations.  They will discuss the impact that international, federal, state, and local laws and regulations have on the interpretation and legality of insurance policy language.  They will identify parts of an insurance contract and learn how to effectively read it.  They will discuss how policies limit, restrict, and exclude coverage.  They will examine how lawsuits begin, the parties to a lawsuit, rules of civil procedure, remedies to successful lawsuits, Bad Faith, outside contractual obligations, and excess policy limits.  They will look at insurance provisions from Employment Practices Liability, Health Insurance, Automobile Insurance, and Workers Compensation policies.
  • 05/06/2021–The SECURE Act (4 Hours): The SECURE Act became effective late last year and will usher in some of the most sweeping changes to retirement plans in decades.  After an overview of significant retirement laws, agents will discuss the purpose of the SECURE Act.  They will better understand some of the key changes outlined in the act.  They will examine how the SECURE Act impacts employer-sponsored retirement plans, defined contribution plans, defined benefit plans, individual retirement accounts, and 529 plans.   They will identify and consider retirement planning solutions, including life insurance, for issues created because of this act.
  • 05/11/2021– Cybersecurity Risk Management for Educational Institutions (4 Hours)
  • 05/18/2021 – Environmental Impairment Liability Advanced Coverages (4 Hours): Agents will examine the areas of environmental exposures faced by businesses and organizations, as well as the legal concepts and remedies related to environmental legal liability of persons or organizations.  They will be able to identify sources of environmental liability based upon important Federal Environmental Statutes.  They will examine the pollution exclusions found in the CGL, BAP, Umbrella, Directors & Officers, Professional Liability, and Property forms, and be able to identify endorsements that modify the exclusions to add or restrict coverage.  They will review the types of environmental insurance coverages available to fill gaps left by pollution exclusions in standard liability policies.
  • 05/20/2021 – Pollution Liability (4 Hours)
  • 05/24/2021 – Steering the Business Auto Coverage Form (4 Hours): Agents will examine the areas of environmental exposures faced by businesses and organizations, as well as the legal concepts and remedies related to environmental legal liability of persons or organizations.  They will be able to identify sources of environmental liability based upon important Federal Environmental Statutes.  They will examine the pollution exclusions found in the CGL, BAP, Umbrella, Directors & Officers, Professional Liability, and Property forms, and be able to identify endorsements that modify the exclusions to add or restrict coverage.  They will review the types of environmental insurance coverages available to fill gaps left by pollution exclusions in standard liability policies.
  • 05/26/2021 – Understanding (and Managing) the Three Big Government Benefits: Social Security, Medicare and Medicaid (4 Hours)Agents will learn about the three major entitlement programs available to most U.S. citizens – Social Security, Medicare, and Medicaid.  After attending this 4-hour session, agents will understand the intent of the various benefits, the advantages and disadvantages of the three programs, ways to qualify and file for the various benefits, and selected options that may be available to a qualifying recipient.  They will discuss the role of Life and Health insurance products that can provide their client(s) a way to replace or coordinate Social Security.  They will examine Health Insurance products that can assist their client(s) with deductibles, co-pays, or excluded coverage found in Medicare.  They will look at various life and health insurance products that can provide their client(s) ways to replace Medicaid as it relates to a skilled nursing home stay.
  • 06/03/2021 – Concepts That Affect Coverage/Liability (4 Hours): Agents will examine various concepts that affect coverage and/or liability under various property and liability insurance policies.  They will analyze concepts in property insurance, such as:  direct physical loss, covered causes of loss (concurrent causation), valuation, valued policy laws, vacancy, ordinance or law, insurable interest, and more.  They will discuss concepts in liability insurance, such as:  allocating fault and damages, joint and several liability, contribution, indemnification, exculpatory agreements, limitation of liability provisions, punitive damages, vicarious liability, and more.
  • 06/11/2021 – Certificates of Insurance and Additional Insureds: Navigating the Maze (4 Hours): Certificates of Insurance and the related issue of Additional Insureds are often sources of frustration, confusion, and E&O claims for the insurance producer.  In this session, agents will review critical things to consider before issuing a certificate and identify ways to avoid some of the common problems and errors.  They will discuss Additional Insureds in-depth, how they work, and how coverage is limited, as well as some common problems that can arise.  The course will review the most commonly used Additional Insured Endorsements and examine requests frequently made of agents that may be problematic.
  • 06/22/2021 – Risk Management and Life Insurance for Business Owners (4 Hours): Agents will explore how risk management and insurance are relevant to business owners.  They will learn the characteristics of common business entities, including Sole Proprietorship, General/Limited/Professional Partnerships, C Corporation, S Corporation, Closely Held Corporation, and Professional/Professional Liability Corporations.  They will discuss insurance options for business owners and key employees.  They will examine and be able to explain how to use insurance for business planning issues, such as:  salary continuation plans, deferred compensation plans, retirement income planning, disability income planning, and key employee indemnification.  They will discuss life insurance and risk management considerations related to business continuation planning.
  • 06/30/2021 – Cyber Liability – What Every Agent Should Know (4 Hours): Agents will gain a better understanding of the current exposures associated with cyber risks and ways to protect their clients and themselves.  They will discuss how to insure this rapidly growing exposure.  Discussion will include cyber liability composition and cyber insurance policy coverage analysis.
  • 07/08/2021 – Whose Risk Is It? Managing Contracts & the Risk Transfer Process/Driving Down the Cost of Accidents– Understanding and Managing Vehicles & Drivers (4 Hours): You know that every organization engages in contracts to either transfer risk or assume risk from another party. If not managed properly, the contractual process can be complicated and even misleading. Learn the risks associated with contractual relationships and identify the tools that can ensure risk is transferred to the appropriate party in the event of a claim or lawsuit. Discover key insurance considerations, such as the operation of vehicles on company business — one of the biggest exposures an organization faces daily. Whether the operation has sales staff operating personal vehicles on behalf of the company, or large commercial vehicles on the open road, the exposure must be managed effectively to reduce the risk of a significant financial loss. You will also review the main exposures related to vehicles and drivers, risk control techniques available to reduce this exposure, and important regulatory requirements related to fleet operations.

 

  • 07/12/2021 – An Exploration of the Property Casualty Side of Farming (4 Hours): Things are changing quickly in how farms are operated. Farming is turning more everyday into an ongoing commercial lines business. While the family farm still exists, it is much more likely to be diversified in its approach to generating revenue, employment outside parties, and sophistication of farming practices. In this session, agents 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 discuss Who Is An Insured and What is an Insured Location. 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. Agents will look at coverages provided for farm operations in the most recent edition of the ISO Business Automobile Coverage Form, Personal Auto Policy, Farm Liability Coverage Form, and AAIS farm forms, as well as endorsements that may modify coverages.

 

  • 07/19/2021 – Integrating Life, Annuity and Long-Term Care for Business Owners(4 Hours): Businesses are prone to a host of disasters that vary in degree from minor to catastrophic. Business continuity planning is the process a business undergoes to create a prevention and recovery system from potential exposures. In this session, agents will better understand why their business clients need a business continuity plan. They will learn about life insurance strategies and specific life insurance products they can use to meet the needs of their business clients, including Buy/Sell Agreements, Cross Purchase and Entity Purchase Agreements, Key Person Life Insurance, Disability Income Insurance, Long Term Care Insurance, Health Insurance, and Annuities.

 

  • 07/22/2021 – ABC’s of D&O: Exposures and Coverages for Main Street Business (4 Hours): Agents will gain a better understanding of the current exposures associated with cyber risks and ways to protect their clients and themselves.  They will discuss how to insure this rapidly growing exposure.  Discussion will include cyber liability composition and cyber insurance policy coverage analysis.

 

  • 07/30/2021 –Sink or Swim: Personal & Commercial Marine Insurance (4 Hours): Designed to give agents a practical and better understanding of personal and commercial marine insurance policies unique coverages, exclusions, and warranties.  Agents will learn terminology associated with personal and commercial marine insurance 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 personal and commercial marine insurance and the major underwriting issues. 
  • 08/05/2021 –Technology Trends & Other Changes in Agribusiness & Insurance (4 Hours): Learn about the changing needs of farms, what they mean to the farmer, and how they must be addressed by insurance professionals working with agricultural accounts.
  • 08/10/2021 –Hospitality – Insuring Hotels, Restaurants & Taverns (4 Hours): Hotels, restaurants, resorts, taverns, and other hospitality properties are susceptible to significant loss exposures.  No industry was hit harder by COVID-19 than the hospitality industry.  Agents will examine the property risks including real and intangible property, owned and leased space, business income, and extra expense.  They will discuss liability risks from guests, entertainers, general public, owners, franchisors, and employees.  They will learn about the use of technology in the hospitality industry and the resulting exposures.  They will identify the issues encountered when insuring hospitality risks – property, liability, employment practices liability, cyber, pollution, and more.  They will learn how to address these issues and understand the coverage enhancements important to any hospitality type risk.
  • 08/16/2021 –Agency Coverage Standards (4 Hours): Every insurance agency needs a formal method for exposure identification to better serve their clients. Every insurance agency should establish coverage standards. Coverage standards include needed coverages and endorsements and avoided endorsements. In this 4-hour session, agents will identify and examine basic coverage standards for various property/casualty insurance policies. They will review 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.
  • 08/25/2021 –Current Events and the Impact Upon Insurance (4 Hours): This session will provide an overview of current events and their impact on the insurance industry.  Agents will review the important current provisions and recent changes to the Affordable Care Act (ACA).  They will examine how this law impacts individuals and employers as it relates to health insurance.  They will discuss the Fair Labor Standards Act (FLSA) and the Website Content Accessibility Guidelines (WCAG) and identify possible insurance solutions to their use.  They will review issues with Employment Practices Liability Insurance and Directors & Officers Liability Insurance.  They will identify cyber-crime exposures faced by their insureds and suggest possible insurance solutions.  Discussion will also include Crime Insurance and Fiduciary Liability Insurance.
  • 08/30/2021 – Claims (4 Hours): What is an insurance adjuster?  What do insurance adjusters do?  Agents will learn about the challenges adjusters face and how to bridge the gap between the claim’s department and the insurance agency.  They will discuss these issues and how agents and adjusters can work together to properly handle the claim and get the insured a fair settlement.  Agents will review some misconceptions about what is covered and what is excluded under certain personal lines and commercial lines policies.  They will discuss how to avoid Bad Faith claims.

 

  • 09/02/2021 –Ethical Issues (4 Hours): Learn about the professional, legal, and ethical responsibilities of complex ethical issues of the insurance industry.
  • 09/10/2021 –Commercial Liability Endorsements to Watch Out For (4 Hours): Agents will examine some of the endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy.  They will review several ISO endorsements and see examples of non-standard endorsements often used by insurers.  In each case, they will discuss the effect that the endorsement has on the coverage that would otherwise have been afforded by the CGL Policy. 
  • 09/14/2021 –Cyber Risk– Exposures and Products (4 Hours):

    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 property insurance e-commerce coverage gaps and possible solutions.  They will learn about third-party and first-party exposures and the different approaches insurance companies use to provide coverage. 

  • 09/20/2021 –Is Your Insured Driving a State-of-the-Art EPL Policy? (4 Hours):

    In this session, agents will learn the differences between EPL policies and the practical effects of those differences on various exposures and classes of business.  They will discuss the basic covered causes of loss that must be included in any policy as a minimum standard, i.e., discrimination, harassment, wrongful termination, and retaliation.  They will be able to identify areas of exposures for independent contractors, leased employees, temporary employees, officers and directors, and volunteers.  They will discuss Third Party Coverage, exclusions to avoid, and recent coverage enhancements including immigration investigation, OFCCP Coverage, and FLSA.   They will learn how to manage these exposures and how to provide proper coverage for their clients.

  • 09/24/2021 –Risk Implications for Commercial Real Estate Leases (4 Hours): Agents will learn to identify and explain the major risks found in commercial real estate leases, either created by terms of the lease or found in common law. They will examine select portions of a typical, but hypothetical, commercial real estate lease. They will also review in detail the property, time element, and liability risks that may be created by the lease, as viewed from the perspective of the landlord and the tenant. Agents will identify the risk transfer and insurance solutions that should be considered for clients who are commercial landlords and/or tenants. They will review sample policies and forms and understand the benefits and limitations to each insurance solution.
  • 09/30/2021 –Protecting Wine Collections (4 Hours): Learn about the challenges to insuring wine and ways to deal with this unique exposure using insurance and risk management.

Attend Live Online Sessions

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.

How To Select Sessions

Watch & Learn How To Select Sessions

Register to Reserve Your Seat

Select Your MEGA Sessions

Update from Anywhere

PREFER LEARNING AT YOUR OWN PACE?

Try the NEW ON-Demand James K. Ruble Online MEGA!

The NEW On-Demand Online MEGA Seminar satisfies your update requirement. ​

Log on any time, day or night, 24/7.​

Do you need an answer immediately?

Check out our FAQ page!

Play Video