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 LiabilityLegal responsibility or fault. More Policy
• Additional Insureds and the BusinessIncludes trade, profession, or occupation. More AutoA 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. More 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
• UnderwritingThe 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 ControlSee Risk control. More & Risk ManagementProcess 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. More AutoA 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 LiabilityLegal responsibility or fault. More Coverage Extensions
• Who is an InsuredPerson(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. More 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. More 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:

• UnderwritingThe 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. More 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
  • UnderwritingThe 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
  • MedicareA 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 CostThe cost to replace damaged property with like kind and quality without taking into account depreciation. More LossA reduction in value. More 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 PropertyAll 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 LiabilityLegal responsibility or fault. More
• 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 ManagementProcess 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

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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 InsuranceA type of life insurance that provides coverage for a predetermined amount of time. More
• Permanent Life InsuranceA 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 LiabilityLegal responsibility or fault. More
• 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 UnderwritingThe 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 LiabilityLegal responsibility or fault. More 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 LiabilityLegal responsibility or fault. More 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. More 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. OccurrenceAn 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 LiabilityLegal responsibility or fault. More Insurance Policy
  • Endorsements to the Policy

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