PROFESSIONAL INSURANCE AGENTS OF NEBRASKA & IOWA

An Hour with Cathy: I Pay What? How Commercial Policy Deductibles Work

Instructor: Cathy Trischan – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

This course reviews property deductibles, including a discussion of flat, percentage, and catastrophe deductibles as well as deductible buyback policies. We will discuss the different types of general liability deductibles that may apply, as well as how the self-insured retention in an Umbrella policy functions. Lastly, we will address the application of deductibles for auto physical damage coverages.

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An Hour with Cathy: Understanding (Finally!) How Claims Made Policies Work

Instructor: Cathy Trischan – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

This course covers the most important concepts to understand when writing claims-made coverage. We will discuss the coverage trigger, retroactive date, extended reporting period, prior and pending litigation and continuity dates. We will review some common coverage features of policies written on a claims-made basis including defense provisions and consent to settle clauses. Lastly, we will discuss the importance of the policy application.

 

An Hour with Dave: E&O: Talking Exposures with an Attorney

Instructor: Dave Thompson – Approved NE 1 GEN Hr, Approved IA 1 GEN Hr

Veteran insurance pro and E&O expert David Thompson wants you to understand the most common E&O exposures and how to address them. But don’t take just his word for it: Dave co-presents this program with a colleague from his network of attorneys who will offer thoughts on common E&O exposures from the legal perspective.

 

An Hour with Dave: Rental Cars: Issues, Answers, Horror Stories

Instructor: Dave Thompson – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

What’s in the rental car contract you signed but didn’t read? Is the LDW a rip-off? Is that credit card coverage legit? How does your personal auto respond? Learn the answers and discuss several “horror story” claim scenarios involving rental cars in this outstanding program from instructor David Thompson.

 

An Hour with Dave: Understanding Ordinance or Law (Because Insureds Still Don’t)

Instructor: Dave Thompson – Approved NE 1 GEN Hr, Approved IA 1 GEN Hr

Ordinance or Law exposures continue to evolve and your insureds still don’t understand why it matters. It’s imperative that you stay up to date with exposures that affect personal or commercial insureds in your area.  Insurance pros who take this course will gain expertise on how to keep up with exposures, explain them to insureds, and secure the coverage needed to avoid ugliness at claim time.

 

An Hour with Dave: What Everyone Must Know About Flood

Instructor: Dave Thompson – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

Join flood guru David Thompson for an hour of discussion on several issues and updates regarding flood insurance and the National Flood Insurance Program.

 

An Hour with Kevin: Using Small Motor Vehicles to Break Things & Hurt People

Instructor: Kevin Amrhein – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

This course reviews several exposures associated with various small motor vehicles such as ATVs, kids’ toys, golf carts and lawnmowers. The course will review common ISO policy language that addresses exposures and the options agents may have to close the gaps.

 

An Hour with Nicole: Making Sense of Homeowners Deductibles (Once and For All!)

Instructor: Nicole Broch – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

Deductibles are commonly understood when agents sell and service a policy. However, applying deductibles to a loss may not work how they expect.  This course will go through several examples to assist insurance pros in finally understanding homeowners deductibles.

 

An Hour with Nicole: Personal Lines: Read the %^&* Form!

Instructor: Nicole Broch – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

The Insurance Services Office (ISO) forms may be the standard but there are variations in commonly used non-standard forms that, if not identified, could lead to coverage problems. Personal lines insurance pros who take this course will be better positioned to search for and remedy such discrepancies.

 

An Hour with Patrick: Reinsurance: How It Works & Why It Matters

Instructor: Patrick Wraight – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

Reinsurance costs always figure into the cost of providing insurance to the consumer but most of the time that’s in the background. Recently, reinsurance has figured prominently in the insurance marketplace because of a rise in reinsurance premiums and a reduction in reinsurance availability. This session is designed to help us to understand what reinsurance is, why companies need it, and what that means to the insurance market as a whole.

 

An Hour with Sam: Commercial General (CGL) vs. Farm Liability: Key Differences for Farm Accounts

Instructor: Sam Bennett – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

For Farm accounts, when is the right time to CGL or not to CGL? This course will include determination of when farm risks are simply not eligible for the Farm Liability (FL) Coverage Form; when using the Commercial General Liability (CGL) Form instead of (or in addition to) the FL is sensible; how to recognize when there is a need for personal liability endorsements available in the program and what endorsements are vital when using the CGL on a farm risk. 

 

An Hour with Sam: Liability Concerns in the Personal Auto Policy

Instructor: Sam Bennett – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

The Insurance Services Office (ISO) Personal Auto Policy (PAP) is the most frequently written coverage form in our industry. Regardless, this form has many ‘mysteries’ – for both the insurance professional and the policyholder. This presentation will address a few liability concerns in the PAP and will provide information on endorsements that should be considered for nearly every Personal Auto risk.

 

An Hour with Sam: Physical Damage Coverage Concerns in the Personal Auto Policy

Instructor: Sam Bennett – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

The Insurance Services Office (ISO) Personal Auto Policy (PAP) is the most frequently written coverage form in our industry. Regardless, this form has many ‘mysteries’ – for both the insurance professional and the policyholder. This presentation will address a few physical damage coverage (or as ISO calls it: Part D – Coverage For Damage To Your Auto) concerns in the PAP and will provide information on endorsements that should be considered for nearly every Personal Auto risk.

 

Bad Machines, Evil People: The Latest in Cyber

Instructor: Cathy Trischan – Approved NE 3 GEN Hrs, Approved IA 3 GEN Hrs

Bad actors are finding more sophisticated ways to utilize their bad machines. The harm caused by a cyber-attack can destroy businesses big and small. This course will examine the most common first and third-party cyber exposures facing businesses today. We will review some of the coverages available in the cyber insurance market and discuss things to consider when selecting a product.

 

Big Rig, Big Risk: Mastering Trucking Accounts

Instructor: Robin Federici – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

Society as we know it depends on the trucking industry getting from A to B unscathed. Sometimes, accidents happen. The Motor Carrier Coverage Form (MCCF) is at the core of many Motor Carrier/Trucking accounts. This course takes a deep dive into the Insurance Services Office (ISO) MCCF, exclusions, and conditions.  It will emphasize how understanding “who is an insured” shapes the coverage, provide the answer to a variety of coverage questions on the effect of ISO symbols and how exceptions to exclusions provide some surprising expansions of coverage.

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Certificates, Contractors, and You: Fights, Coverage Issues, Best Practices

Instructor: Cathy Trischan – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

Contractor insureds and their agents are all-too-familiar with issues regarding Certificates of Insurance as well as endorsements often requested with them. This course will review many considerations for agents when issuing a certificate and discuss ways to avoid some of the common problems and errors.  Issues regarding Additional Insureds, Waivers of Subrogation and other requests frequently made of agents will be discussed.

 

CGL Endorsements That Will Break Your Policy

Instructor: Cathy Trischan – Approved NE 2 P/C Hrs, Approved IA 2 GEN Hrs

This course will familiarize the participants with some of the endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy. We will review several ISO endorsements and see examples of non-standard endorsements often used by insurers. In each case, we will discuss the effect that the endorsement has on the coverage that would otherwise have been afforded by the CGL policy.

 

Commercial Property: Claims, Coverages, Consequences

Instructor: Terry Tadlock – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

This course uses examples of several commercial property claims to illustrate how the policy may not function in the manner expected by either the agent or insured. Insurance pros who take this course will gain expertise on a variety of commercial property issues such as reconstruction costs, setting limits, insurance to value, tenant lease insurance requirements, and acts of civil authority. 

 

Dawn of New Age or End of the World? Emerging Risks That Make You Wonder

Instructor: Steve Lyon – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

Incomprehensible advancements in technology, regulatory changes, and many other factors are fueling new and rapidly-evolving risks for agents and insureds to address. Insurance pros who attend this course will better understand risks presented by electric vehicles, alternative energy systems, artificial intelligence, supply chain issues, parametric insurance, virtual currencies, pollutants, and many other issues.

 

Definition of Insanity: Common Home and Auto Exposures We Know Are There & Do Nothing About

Instructor: Scott Treen – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

This course discusses several home and auto exposures that most everyone knows are there yet, for some reason, continue to cause coverage problems. Furnished vehicles, trailers, personal property, kids earning cash, watercraft, and several other common exposures will be discussed with the hope of addressing them in a way that finally produces a different result: adequate coverage! 

 

Eroding: The Personal Lines Implosion and What Happens Next

Instructor: Nicole Broch – Approved NE 2 P/C Hrs, Approved IA 2 GEN Hrs

Personal Lines markets continue to deteriorate. Agents and account managers are scrambling, carriers are changing course daily, and the insured often is left with reduced coverage and higher premiums.  This course will explain how we got here and what insurance pros can do to understand, explain, and advise insureds as to how to protect themselves until conditions (hopefully!) improve.

 

Ethics in Insurance – Protecting the Clients and the Agency

Instructor: Cathy Trischan – Approved NE 3 ETH Hrs, Approved IA 3 ETH Hrs

This course begins with a discussion of what ethics is and different approaches to decision making. It addresses the ethical responsibilities of the insurance producer to prospects and clients, to insurance carriers and to third parties. Throughout the course, participants will discuss ethical dilemmas faced by insurance producers in order to determine the best course of action. We also discuss the E&O implications in many of the areas discussed. Approved for Utica Loss Control Credit.

 

Ethics, Diligence, Success: What Agencies Need to Know

Instructor: Steve Lyon – Approved NE 3 ETH Hrs, Approved IA 3 ETH Hrs

This course reviews many examples of situations faced by agents which may test ethical resolve as well as E&O management practices. Agents who take this course will learn some coverage lessons, better understand the critical functions of a successful agency operation, and be more prepared to handle difficult situations commonly faced by insurance agencies. Approved for Utica Loss Control Credit.

 

Flood Insurance: What You Need to Know

Instructor: Dave Thompson – Approved NE 3 Flood Hrs, Approved IA 3 GEN Hrs

Join flood guru David Thompson for a discussion on many factors regarding flood insurance and the National Flood Insurance Program. This course follows the general curriculum for flood insurance training as set forth by FEMA. Completion of this course will satisfy FEMA’s 3-hour Basic Flood Insurance Course requirement for agents to sell flood insurance.

 

Forward and Backward: Insuring Emerging Risks, Surviving Deteriorating Markets

Instructor: Patrick Wraight – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

This course highlights a few emerging risks such as cyber, cannabis, and artificial intelligence as well as coverage concerns posed by them. Additionally, the course will detail industry-wide effects of regional cost factors such as litigation and deteriorating market conditions.

 

Homeowners Endorsements Insureds Don’t Want (But Do Need)

Instructor: Nicole Broch – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

To save a buck, consumers are quick to strip off coverage and/or buy coverage that doesn’t match their exposure. This course provides many examples and risks insurance pros can use to talk insureds through coverage that is best for their policy and how to get it in the most affordable way possible. Discussion includes reference to many endorsements - some common, some not – insureds should consider.

 

How It’s Built, How It’s Used, Will It Survive: Elements of Property Underwriting

Instructor: Patrick Wraight – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

This course reviews many factors of a building’s construction and occupancy and how underwriters use data to determine and classify a property risk. After taking this course, insurance pros will have a better understanding of construction strategy, mitigating risks such as fire and wind, and tools used by property underwriters.

 

Imminent Danger: Spotting Site Risks & Saving Construction Insureds

Instructor: Michael Faith – Approved NE 1 P/C Hr, Approved IA 1 GEN Hr

Everyone knows construction sites are dangerous. What people don’t know is the breadth of exposures that exist, how to identify them, and what to do to ensure they don’t cause injury. Join instructor Michael Faith as he shares experiences and tips from his decades working as an expert in construction site risk management. Insurance pros who attend will explore the risks that impact any size construction business as well as learn where prevention efforts can impact their workers and their bottom line.

 

Insuring Vehicles, Equipment and Other Stuff That Moves – Personal & Commercial Lines

Instructor: Sam Bennett – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

If it’s designed to move it can break things and hurt people. Is it covered? If so, how and where? This presentation will explore how coverage may be found (or excluded!) for vehicles, equipment and other stuff that moves in the Homeowner Policy, Personal Auto Policy, Commercial General Liability Coverage Form and Business Auto Coverage Form.

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Just Use Mine: Home, Vehicle and Other Sharing Exposures Insurance Doesn’t Like

Instructor: Dave Thompson – Approved NE 2 P/C Hrs, Approved IA 2 GEN Hrs

Vehicles, houses, garage space, swimming pools, scooters and many other exposures stemming from the shared economy require special attention from an insurance standpoint. Insurance pros who take this course will better understand the breadth of sharing exposures, how they’re addressed in common insurance policies, and how to obtain adequate coverage.

 

Liar! An Agent’s Role in Identifying & Handling Fraud

Instructor: Kym Martell – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

They’re out there. And with a bit of misfortune, some may find their way into your book of business. You already know that insureds and prospects who engage in fraud are bad news but some are harder to spot then others. This course reviews techniques agents can use to identify and deal with insurance fraud. With an abundance of examples and case studies, agents will gain expertise in sniffing out the liars.

 

Name That Endorsement: Business Auto and Commercial Property Edition

Instructor: Dave Thompson – Approved NE 2 P/C Hrs, Approved IA 2 GEN Hrs

While many are commonly used, commercial insureds and agents are often confused by the purpose of certain endorsements to their insurance policies. Insurance pros who take this course will gain expertise on several endorsements often used to limit or enhance coverage in the Business Auto policy as well as a few designed for the Commercial Property policy.

 

Ready or Not Here It Comes: Planning For Retirement

Instructor: Charlie Matejowski – Approved NE 3 GEN Hrs, Approved IA 3 GEN Hrs

Most folks (including insurance people!) have done little to address the elephant that’s always in the room: retirement planning. This course will discuss the risks that retirees will face along with the solutions to minimize the risks.

 

Reasons Personal Lines are Broken (and What to Do About It)

Instructor: Terry Tadlock – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

Ride-sharing, drones, home rental, furnished autos, remote work and other issues testing common personal lines policies are reviewed in this course. Agents who attend will learn the depth of exposures and the best practices of how to address them with insureds.

 

Social Security and Medicare: Your Questions Answered

Instructor: Chris Amrhein – Approved NE 3 L/H Hrs, Approved IA 3 GEN Hrs

This course, created and taught by a veteran insurance educator (and one who has personally run the Social Security/Medicare sign-up gauntlet) will reveal lessons learned about both programs and bring much clarity to the chaos. Whether you are seeking info to help a customer, spouse, parent, relative or preparing for your own journey through the retirement “right of passage”, harvest the value of experience and take this course!

 

Stinkin Rich, Insurance Poor: P&C Coverage Challenges for High-Net-Worth Individuals

Instructor: Kym Martell – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

Personal lines insurance pros often face challenges when trying to identify and place exposures unique to high-net-worth individuals. This course is a deep-dive into many such exposures and will assist agents in the risk management process as well as providing needed insurance solutions for such insureds.

 

The Fine Print: Understanding the Contractual Obligations of Your Insured

Instructor: Steve Lyon – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

You know the drill: insured signs contract, insured doesn’t understand contract, contract obligates insured to pay for something, insured gets angry, insured blames insurer/agent. So goes the never-ending cycle of confusing contacts and contractual liability issues…until now! Join contract and coverage expert Steve Lyon for this in-depth discussion on many issues stemming from “insured contracts” to indemnification agreements to hold harmless provisions and all things in between.

 

Transportation Insurance: A Non-Standard Business Exposure

Instructor: Robin Federici – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

Annual transportation policies, Trip Transit policies, Motor Truck Cargo policies and Owners Form Motor Truck Cargo policies – all non-standard policy forms BUT most businesses have a transportation exposure!  This course will provide information on the “general” and “usual” policy provisions found in many of these non-standard forms including covered property interests, excluded property, valuations, coinsurance, subrogation and coverage territories.

 

Why Are You Here?! Insurance Issues with the People and Stuff in Your House

Instructor: Scott Treen – Approved NE 2 P/C Hrs, Approved IA 2 GEN Hrs

Someone moves in. Someone moves out. Stuff moves in. Stuff moves out. As your insureds’ situations change so do their insurance needs. Insurance pros who attend this course will gain expertise in how to handle several coverage issues found in a typical home or umbrella policy.

 

Why Inadequate EPLI Will Close Your Business (and What to Do About It)

Instructor: Cathy Trischan – Approved NE 3 P/C Hrs, Approved IA 3 GEN Hrs

Many businesses do not carry Employment Practices Liability Insurance (EPLI) and some that do have confusing policies with limited coverage. This course begins with a discussion of why ALL businesses big and small must consider EPLI. The course will discuss some important concepts to understand when writing claims made policies and address many employment-related liability exposures faced by today’s employers: discrimination and harassment claims by employees and third parties, employee privacy concerns, retaliation claims, wage and hour claims and more as well as how common EPLI policies address such exposures.​

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