
William T. Hold Seminars offer topics that expand and support the CISR and CSRM program curricula and take you further along your learning path.
They underpin the basics and dig into specific insurance areas that advance your professional development.
These seminars, named in Dr. William T. Hold’s honor, cover more than forty essential topics—personal lines, commercial lines, life and health, and risk management, plus specialty topics, such as Insuring “Toys” and Liquor LiabilityArises from causing or contributing to another’s intoxication, or from furnishing alcohol to a minor… More, and advanced topics, like EPL. These seminars:
- provide instruction from expert insurance and risk management professionals,
- include specific curricula, policy, and forms to meet everyday agency needs,
- deliver technical content with practical applications and scenarios taken from cases handled by faculty,
- act as informative resources for CISR and CSRM updates to support and expand insurance and risk management knowledge
- open to all insurance professionals.
William T. Hold Seminars Traditional Classroom
Examine detailed parts of coverage for commercial clients in areas like cyber, crime, and inland marine.
These seminars provide a professional’s comprehensive look at detailed parts of coverage for your commercial clients. By looking at a different range of coverages and forms, it will help you build a strong, resilient book of business.
Topics Include:
- Business
Includes trade, profession, or occupation. Auto
A land motor vehicle, trailer, or semi-trailer designed for use on public roads, but does not include “mobile equipment.”… More Coverages
- Businessowners Policy
- Certificates of Insurance & Additional Insureds
- Commercial Casualty Q & A
- Crime Coverages
- Commercial Inland Marine
- Commercial Property Q & A
- Umbrella
- Cyber Liability
Legal responsibility or fault.
- Directors & Officers
- Employment Related Practices — Exposures & Coverages
- Professional Liability Coverages & Solutions
- Workers Compensation
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Get personal and commercial lines solutions to problems you deal with in your business every day.
These seminars are created from the most timely and most often requested personal and commercial lines topics. Commercial Multiple Topics is designed to provide you with solutions to the problems you incur in your business every day.
Topics Include:
- A Problems and Solutions Approach to Homeowners
- A Problems and Solutions Approach to Personal Auto
A land motor vehicle, trailer, or semi-trailer designed for use on public roads, but does not include “mobile equipment.”… More Insurance
- Ethics
Moral principles of a group or individual as developed over time and with life experiences…. More for Today
- Ordinance or Law
- Excess & Surplus Lines
- Managing Personal Risks with Insurance
- Puzzling Personal Lines Questions
- Contractors Equipment and Builders Risk
Uncertainty that may be either positive or negative arising from a given set of circumstances. Common definitions also include: 1) chance or probability of loss, 2) uncertainty concerning loss, 3) possibility of a variation of outcomes from a given set of circumstances, and 4) difference between expected losses and actual losses…. More Marine Lines
- Protect Your Client—Protect Yourself
- Flood Insurance for Personal Lines
- Cyber Liability
Legal responsibility or fault.
- Business
Includes trade, profession, or occupation. Auto Policy and Endorsements
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Find out about a variety of exposures and the details of coverages that can affect personal lines clients.
These seminars go into greater detail concerning the exposures and coverages that affect your personal lines clients. Get valuable question and answer sessions with instructors.
Topics Include:
- Insuring Flood NFIP Review
- Insuring In-Home Business
Includes trade, profession, or occupation.
- Managing Personal Risks with Insurance
- Personal Lines Cases
- Personal Umbrella Policies
- Q & A Homeowners
- Q & A Personal
- Personal Lines Q & A
- Watercraft
- Insuring “Toys” (Rec Vehicles, Boats, Golf Carts, and so on)
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William T. Hold Seminars Online Course Options
Analyze the reasons additional insured status is requested and get an overview of common additional insured endorsements.
WTH Additional Insureds/Certificates of Insurance Self-Paced Online
Additional insured endorsements and certificates of insurance are part of the everyday life of many insurance professionals, especially those working in commercial lines. In this online course, insurance professionals examine the reasons additional insured status is requested. The course also provides an overview of common additional insured endorsements. Certificate issuance can be a continual activity for an agency that specializes in certain market segments. Careful certificate processing is vital for the success of any agency and is covered in a discussion with examples.
Topics Include:
- Introduction to Additional Insureds
- Additional Insureds and the Commercial General Liability
Legal responsibility or fault. Policy
- Additional Insureds and the Business
Includes trade, profession, or occupation. Auto
A land motor vehicle, trailer, or semi-trailer designed for use on public roads, but does not include “mobile equipment.”… More Policy
- Certificates of Insurance
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Get an overview of laws and regulations governing federal contractors, types of exposures, underwriting, and EPLI provisions and exclusions.
WTH Advanced Employment Practices LiabilityLegal responsibility or fault. Self-Paced Online
This online course covers employment practices liability insurance with a special focus on the issues involved in designing a coverage program for the commercial client.
Topics Include:
- Overview Laws Governing Employment Practices
- Overview of Regulations Governing Federal Contractors
- Types of DamagesA sum of money that compensates an injured party (an individual or organization)…. More
- EPL Exposures
- Underwriting
The process by which the cost of the coverage is determined. Insurers (and self- funded plans) seek assistance from actuaries…. More and Pricing
- EPLI Policy Provisions
- EPLI Policy Exclusions
- Important EPLI Policy Characteristics
- EPLI Claims ManagementPrompt resolution of an organization’s losses subject to insurance or an active retention program including claims by other entities to whom it may be legally or ethically bound…. More
- EPLI Loss Control
See Risk control. & Risk Management
Process of managing uncertainty of exposures that affect an organization’s assets and financial statements using five steps: identification, analysis, control, financing and administration…. More
- The EPLI Marketplace
- Current Trends and Issues in EPLI
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Learn the particulars of the ISO Business Auto Policy, a critical line of business for commercial casualty insurance, and the exclusions and extensions and limits of liability that affect it.
WTH BusinessIncludes trade, profession, or occupation. Auto
A land motor vehicle, trailer, or semi-trailer designed for use on public roads, but does not include “mobile equipment.”… More Self-Paced Online
This online course is designed to increase and strengthen your knowledge of the ISO Business Auto Policy, a critical line of business for commercial casualty insurance.
Topics Include:
- Business Auto Exposures
- Definitions
- Symbols
- Newly Acquired Autos and Liability
Legal responsibility or fault. Coverage Extensions
- Who is an Insured
Person(s) protected under an insurance contract.?
- The Insuring Agreement (Liability Coverage)
- Liability Exclusions
- Limit of Insurance
- Physical Damage Coverage and Exclusions
- Conditions
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Brush up on the ISO Commercial General Liability Policy and its coverage parts with this seminar.
WTH Commercial General LiabilityLegal responsibility or fault. Self-Paced Online
Producers and account executives can refresh their knowledge of the ISO Commercial General Liability Policy with this online course.
Topics Include:
- Overview of Commercial General Liability exposures
- CGL Coverage Parts
- Other Provisions
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Why do people buy disability income and long term care insurance coverages? Learn the financial consequences of inadequate or no coverage.
WTH DisabilityA physical or mental incapacity. Income & Long Term Care Insurance
Disability income insurance (DI) is most often offered as an employee benefit. This important coverage provides an income stream for a person who suffers total or partial disability and cannot work for a period of time. Long term care insurance (LTC) is becoming an increasingly attractive coverage, as the circumstances of U. S. families have changed considerably in the last few decades.
Learn about both disability income and long term care insurance —why people buy these coverages and the financial consequences of inadequate or no coverage. You’ll also study terms and definitions associated with each type of policy.
Other topics include:
- Underwriting
The process by which the cost of the coverage is determined. Insurers (and self- funded plans) seek assistance from actuaries…. More considerations
- Policy provisions, exclusions, riders
- Tax considerations
- Benefit types, benefit triggers, and
- Elimination and benefit periods
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This course will give you the skills you need to identify the EPL exposures that exist for your clients and help them understand its importance to their business.
WTH Employment Practices LiabilityLegal responsibility or fault. Insurance Self-Paced Online
Employment Practices Liability Insurance is a relatively new coverage created in response to the ever increasing number of lawsuits brought on by employment-related activities. It’s no secret that claims made against employers for alleged causes such as discrimination, wrongful termination, and retaliation are on the rise.
As an insurance professional, the value that you bring to your clients is one of their keys to success. This course will enable you to identify the EPL exposures that exist for them, and help them understand its importance to their business.
Topics Include:
- The Need For EPLI
- Basis of Liability for EPL Claims
- Identifying Exposures
- Overcoming Customer Objections to EPLI
- Where to Find Coverage
- Claims Made Concepts
- Common EPLI Policy Features
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Examine an assortment of policies that make up health insurance, from medical expense coverage to vision care and dental coverage, plus a variety of delivery systems and health plans.
WTH Health Insurance Self-Paced Online
Premiums and health care expenditures are increasing steadily, straining the resources of employers and individuals. In fact these costs have become a major expense category for most Americans. In the U.S., reform efforts aim to create efficiencies in the health care delivery system, reduce consumption, and bring more people under health insurance coverage.
This course will demonstrate that health insurance includes a diverse assortment of policies, from medical expense coverage to vision care and dental coverage, plus a variety of delivery systems and health plans designed to manage the high cost of care.
Topics Include:
- Types of Medical Expense
- Policies
- Group Plans
- Underwriting
The process by which the cost of the coverage is determined. Insurers (and self- funded plans) seek assistance from actuaries…. More Considerations
- Delivery Systems
- Common Policy Characteristics
- Ancillary Health Care Products
- Consumer Driven Plans
- Federal Regulations
- Medicare
A federal government medical insurance plan originally for individuals age 65 and older or disabled. The age requirement has been raised based on year of birth…. More
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Learn a systematic approach to analyze your customers’ property ownership needs and the endorsements to policy that cover the risks.
WTH Homeowners Property Endorsements Self-Paced Online
Our clients’ unique lifestyles, activities, and property ownership can easily produce loss exposures which find only limited coverage under the Homeowners 2000 Program. You need to use a systematic approach to analyze your customers’ needs, and then offer endorsements to the policy to handle the risks.
Topics Include:
- Endorsements designed to extend available coverage to structures and other real property.
- Other Structures on the Residence Premises
- Other Structures away from the Residence Premises
- Replacement Cost
The cost to replace damaged property with like kind and quality without taking into account depreciation…. More Loss
A reduction in value. Settlement for Certain Non-Building Structures
- Loss Assessment Coverage
- Ordinance or Law Coverage
- Endorsements designed to extend the amount of coverage available to personal property
- Scheduled Personal Property
All tangible property not classified as real property. See Real property…. More Endorsements
- Coverage C Replacement Cost Loss Settlement
- Personal Property at Other Residences
- Coverage C Increased Special Limits of Liability
Legal responsibility or fault.
- Special Computer Coverage
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Identify the appropriate solutions, such as a policy endorsement, or even a specialty policy to cover clients’ recreational vehicles like golf carts, snowmobiles, or ATVs.
WTH Insuring “Toys” Self-Paced Online
How many of your customers think that their child’s motorized car has liability coverage under the Homeowners Policy? Do they believe that the Personal AutoA land motor vehicle, trailer, or semi-trailer designed for use on public roads, but does not include “mobile equipment.”… More Policy will cover a rented golf cart or snowmobile? “Toys” are motorized recreational vehicles such as riding mowers, snowmobiles, all-terrain vehicles, and so on —many personal lines customers own at least one!
The Homeowners Policy and Personal Auto Policy are not designed to handle these risks, so the potential exists for a coverage gap. It is important to identify the “Toys” exposure with your customer and offer the appropriate solutions, such as a policy endorsement, or even a specialty policy.
Topics Include:
- The Risk Management
Process of managing uncertainty of exposures that affect an organization’s assets and financial statements using five steps: identification, analysis, control, financing and administration…. More Process
- Watercraft
- Snowmobiles
- Golf Carts
- The Risk Management
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Understand the value of term life insurance, permanent life insurance, and the common characteristics of life insurance policies.
WTH Life Insurance Self-Paced Online
To understand what your customer needs to know about life insurance, just imagine your family’s financial situation should you pass away. If you are single, have you set aside the funds for your funeral expenses, in addition to what you are planning to leave your loved ones? How about loans? Creditors will certainly apply to the estate of the deceased for repayment and sometimes to the family. Do you have customers who are employers? Life insurance can be a very affordable and worthwhile employee benefit.
This online course can answer important questions from both the consumer’s or agent’s perspective.
Topics Include:
- Parties to the Life Insurance Contract
- Term Life Insurance
A type of life insurance that provides coverage for a predetermined amount of time…. More
- Permanent Life Insurance
A policy that offers lifetime protection by combining a cash value with death benefits…. More
- Common Characteristics of Life Insurance Policies
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Examine the liabilities and policy requirements of those who sell or furnish alcoholic beverages to the public.
WTH Liquor LiabilityArises from causing or contributing to another’s intoxication, or from furnishing alcohol to a minor… More Self-Paced Online
Learn how to assist your customers who sell or furnish alcoholic beverages to the public:
Topics Include:
- Liquor and Liability
Legal responsibility or fault.
- Statutory Liability Involving the Sale or Gift of Alcoholic Beverages
- Common LawBody of law consisting of prior precedents or rulings by judges and juries as to the facts of a case. These rulings form codes of conduct that apply to situations involving tort or contract law. Sometimes, common law is referred to as stare decisis, “let the decision stand” or res judicata, “the matter has been decided.”… More Liability Involving the Sale or Gift of Alcoholic Beverages
- The Need for Separate Liquor Liability Coverage
- Common Characteristics of Liquor Liability Policy
- Liquor Liability Underwriting
The process by which the cost of the coverage is determined. Insurers (and self- funded plans) seek assistance from actuaries…. More
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This seminar includes scenario-based application exercises which allow you to learn to read and interpret policy language in the context of real-world claims.
WTH Preparing for CIC Homeowners Self-Paced Online
In this highly interactive course, you will learn the process for successful coverage analysis, providing you with the skills needed to determine whether or not a policy provides coverage for personal residential situations.
Each section includes scenario-based application exercises which allow you to learn to read and interpret policy language in the context of real world claims. In addition to better preparing yourself to serve your clients, this online course can also prepare you for the Homeowners portion of the CIC Personal Lines Course. The 2-1/2 day Certified Insurance Counselors (CIC) Courses represent an amazing, comprehensive program taught by experts in the field.
Topics Include:
- Homeowners Property Coverage Analysis
- Homeowners Liability
Legal responsibility or fault. Coverage Analysis
- Homeowners Med Pay Coverage Analysis
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Take a closer look at Personal Auto Part A Liability Coverage and Personal Auto Coverage Part D for Damage to Your Auto.
WTH Preparing for CIC Personal AutoA land motor vehicle, trailer, or semi-trailer designed for use on public roads, but does not include “mobile equipment.”… More Self-Paced Online
Learn the process for successful coverage analysis, which provides you with the skills needed to determine whether or not a policy provides coverage for personal auto situations.
Both sections of this course include scenario-based application exercises which allow you to learn to read and interpret policy language in the context of real world claims. In addition to better preparing yourself to serve your clients, this online course can also prepare you for the CIC Personal Lines. The 2-1/2 day Certified Insurance Counselors (CIC) Courses represent a thoroughly rewarding learning experience and are led by accomplished insurance practitioners
Topics Include:
- Five Steps in Analyzing Personal Auto Part A Liability
Legal responsibility or fault. Cover
- Six Steps in Analyzing Personal Auto Part D Coverage for Damage to Your Auto
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Professional Liability insurance is highly specialized and involves a wide variety of stand-alone products for professionals and nontraditional professionals.
WTH Professional LiabilityLegal responsibility or fault. Concepts Self-Paced Online
Learn how specific Professional Liability coverage options can make a significant difference in the peace-of-mind of your clients. Professional Liability insurance is highly specialized and involves a wide variety of stand-alone products. However, Professional Liability policies share several common characteristics and concepts that are the focus of this online course.
Traditionally and historically, doctors and lawyers are the “professionals” that first come to mind as most in need of Professional Liability or Malpractice Insurance. In fact, a whole range of new, nontraditional professionals now require Professional Liability or Errors & Omissions insurance protection.
Consultants such as landscape architects, beauticians, tax preparers, and even educators, are advised to purchase professional coverage. Many of these service providers have contractual obligations to maintain Professional Liability coverage. Two new terms describe policies covering the nontraditional professionals: Miscellaneous Professional Insurance and Errors & Omissions Coverage.
Topics Include:
- Foundation of Professional Liability
- Claims Made vs. Occurrence
An accident with the limitation of time removed; an “accident” that is extended over a period of time rather than a single observable happening…. More Policies
- Common Characteristics of Professional Liability Policies
- Policy Study — Lawyers Professional
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This seminar helps you pinpoint exposures and appropriate coverage for endorsing the ISO Commercial Property Policy in unique situations.
WTH Spoilage, Utilities and Ordinance or Law Self-Paced Online
When your clients have unique exposures, they can’t get by with a standard commercial property policy. You need to know how to protect them against their particular risks and keep your errors and omissions carrier happy with specific endorsements.
The course teaches the identification of exposures and offers appropriate coverage for endorsing the ISO Commercial Property Policy for the following risks:
Topics Include:
- Spoilage Coverage
- Utility Services Direct Damage Coverage
- Ordinance or Law Coverage
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Improve your technical skills with the practical knowledge you need to better answer your client’s important workers compensation questions.
WTH Workers Compensation Self-Paced Online
This course is designed to provide a clear interpretation of the workers compensation system, workers compensation insurance, and employers liability insurance. The Workers Compensation course is interactive and will improve your technical skills giving you the practical knowledge you need. You will be able to immediately apply what you learn to better answer your client’s important coverage questions, adding real value to your client relationships.
Topics Include:
- Introduction/Overview of Workers Compensation
- Important Details About Workers Compensation
- The Information Page
- The Workers Compensation and Employers Liability
Legal responsibility or fault. Insurance Policy
- Endorsements to the Policy
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Learning Options
In-Person Classroom
- Expert, engaging faculty
- Each seminar is one day (7 hours)
- Conducted every year in major cities throughout the U.S. and Puerto Rico
- In-depth discussions and networking opportunities
- No final exam is necessary
- Each 7-hour seminar is a full update credit for CISRs and CSRMs
Self-Paced Online Seminars
- Courses are accessible by computer, tablet, or cell phone—24/7 with a 60-day period to complete- (Time frame starts at date of registration)
- Enjoy the easy-to-use learning environment—navigate freely
- You’re in charge—the courses are self-directed! Stop and start your sessions anytime—your place will be saved
- You will find helpful interactive Knowledge Check exercises with great feedback
- There are self-quizzes to check comprehension and a review test—passing both is required for update credit
- Two 4-hour seminars fulfill the yearly update requirement for CISRs and CSRMs
- Proctored exam required for state CE credit. If you are a CISR or CSRM, three attempts are allowed to pass the exam
Benefits
What's in it for
Your Clients?
- Protection
As related to property, the safeguards, equipment and measures provided by the building owner or occupant to minimize hazards…. More for commercial clients–Directors & Officers Liability
Legal responsibility or fault. Seminar
- A dependable process to uncover exposures and identify coverage requirements with Cyber and Risk Management
Process of managing uncertainty of exposures that affect an organization’s assets and financial statements using five steps: identification, analysis, control, financing and administration…. More
- Specialized knowledge that leads to an accurate client profile with seminars like DisabilityA physical or mental incapacity. Income & Long-Term Care
A blanket term for a wide range of services designed to meet medical, personal, and social needs in a variety of settings and locations…. More Insurance
- A comprehensive approach to clients’ personal and commercial insurance needs with Personal and Commercial Lines
A method for combining the value of property of different types or at different locations into a single limit of insurance on a property insurance policy. https://youtu.be/7iExUPAM8J4… More Seminars

What's in it for Your Agency or Company?

- Client protection and retention with seminars like Professional Liability
Legal responsibility or fault. Concepts
- Topics that cover state-specific information and forms (where applicable)
- Ways to grow the agency‘s divisions and an informed team member—Multilines and Risk Management
Process of managing uncertainty of exposures that affect an organization’s assets and financial statements using five steps: identification, analysis, control, financing and administration…. More
- Reduced Errors & Omissions
- Better business for company partners with increased technical knowledge from seminars like Spoilage, Utilities, and Ordinance of Law
What's in it for You?
- Practical, specific knowledge to increase your earnings by drilling down into details of policy, coverage, and exposures with seminars like Commercial General Liability
Legal responsibility or fault. and Business
Includes trade, profession, or occupation. Auto
A land motor vehicle, trailer, or semi-trailer designed for use on public roads, but does not include “mobile equipment.”… More
- Ways to expand business with coverage insights into industry areas such as Life & Health Insurance
- Networking and in-depth discussions and postings with colleagues and faculty
- Preparatory seminars for earning your CIC designation—Preparing for CIC Personal Auto and Homeowners
- Cross-selling and account rounding opportunities with Commercial Lines
A method for combining the value of property of different types or at different locations into a single limit of insurance on a property insurance policy. https://youtu.be/7iExUPAM8J4… More and Personal Lines Seminars
