This course will familiarize the participants with some of the biggest coverage problems in commercial property forms: Debris Removal, Ordinance or Law and Vacancy. In each case, we will discuss the problem and possible solutions.

This course starts with a discussion of the evolution of additional insured endorsements and the importance of the edition date. We will then discuss the ISO additional insured endorsements most commonly used when writing contradicting accounts. Lastly, we will review the features to look for in carrier-specific additional insured endorsements.

This course will familiarize the participants with some of the coverage issues faced by commercial insureds who rent space. We will discuss the problems and possible solutions.

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 and see examples of non-standard endorsements often used by insurers.

Insurance professionals should expect three things from this course: (1.) an overview of the dilemma of fraud and how it makes it way to an insurance agency, (2.) interesting examples of the ethical or moral hazards that clients bring to an agency during a claim, and (3.) insurance solutions to mitigate the possibility of taking on or interacting with clients that are looking to defraud an insurance claim

Insurance professionals should expect three things from this Personal Lines Auto course: (1.) an overview of the dilemma of highly-customized vehicles in valuating during a claim, (2.) interesting examples of the multi-faceted phenomenon of adding a plethora of after-market parts and customization to cars and trucks, and (3.) insurance solutions to mitigate the complexity and add solutions to your sales style and agency protocol. You’ll leave this course with enough knowledge to inform clients of expectations concerning their altered vehicle, prepare proper documentation of customization, and work with claims to garner a consumer-friendly valuation of the car or truck.

Loss settlement is often questioned by insureds at time of purchase and misunderstood by agents at time of loss. This brief course goes through loss settlement, including examples, to gain greater understanding of this essential function in the policy.

Personal Lines Umbrellas aren’t just for high value accounts. This course goes through the coverages and differences between umbrellas policies and excess liability policies, including examples, to help insureds understand the importance of such coverage.

The differences between garage policies and a general liability policy are often misunderstood by insurance pros as well as insureds. It’s essential to know the differences as well as what coverage is needed for insureds in dealerships and other segments of the auto business. This class will sharpen the insurance pro’s skills in understanding these, their different forms and how they can work together to create a cohesive policy for the insured.

Ask a hundred commercial insurance professionals to describe in a few words the most frustrating part of the job and 99 of them likely will answer “certificates” or “Additional Insured endorsements.” The seemingly constant changes to rules, requests, form filings, and other issues at best cause headaches, at worst, E&O claims! This course will review several common issues with COIs and AI endorsements and the best practices regarding their use.

Certificates of Insurance and the endorsements often requested with them cause many problems for insurance agents trying to help commercial clients. We will review the things to consider before issuing a certificate and discuss ways to avoid some of the common problems and errors. We will discuss Additional Insureds, Waiver of Subrogation and some of the requests frequently made of agents.

Review actual claims and court cases from a variety of commercial exposures. Each scenario is discussed from the position of both the actual policy language as well as possible solutions. Types of coverage and claims discussed in this course include Commercial Property Coverage Forms, Business Income, Commercial Auto and Commercial General Liability

We often sell direct and indirect damage coverages together, but did you know that these forms have little in common and do not require that one be purchased with the other? This course will include a discussion on some of the differences between a direct damage property form and the indirect options available to commercial lines customers. We will explore some of the unique conditions and provisions in the Insurance Services Office (ISO) Building and Personal Property Coverage form and the ISO Business Income & Extra Expense forms.

Insureds are constantly signing contracts and accepting responsibility. Unfortunately, those same insureds often are unaware of the extent of such until it’s too late. When it comes to an insured’s contract, what is the role an agent should play? Join Terry Tadlock as he reviews several common types of contracts and provisions that may affect insurance coverage.

As cyber risks evolve, so do the insurance products designed to save a business from destruction. Join Cathy as she details the evolution of cyber exposures, discusses the meaning of a cyber “incident” and its importance, and reviews several facets of essential cyber insurance coverage.

This course addresses 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. We will discuss the employment-related exposures and what features to look for in an Employment Practices Liability (EPL) policy.

This course begins with an overview of ethics and various approaches to ethical decision-making. We will discuss the responsibilities of the insurance producer to insurance carriers, prospects and clients, and to third parties. Throughout the course, we will discuss various ethical dilemmas insurance producers face and possible solutions.

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. This course incorporates discussion on recent changes with the NFIP as well as many general principles of flood insurance.

This presentation will concentrate on the Insurance Services Office (ISO) Farm Property and Liability Coverage Forms and vital endorsements necessary for most clients involved in an agribusiness operation.

Once a policy is written, all it requires is renewals and varying degrees of service… until a claim occurs! Take a deep dive in to some claims examples that range from dog bites to burglaries, renovations to total losses, and how each claim triggers (or doesn’t!) specific parts of the homeowners policy.

This… Is… Insurance Jeopardy! Your host, instructor and master insurance technician Steve Lyon uses a Q&A format to gauge your understanding of complicated insurance coverage issues in a variety of commercial and personal lines exposures. You’ll love the interactivity… but don’t forget to answer in the form of a question!

Virtual currency. Marijuana. Outer space. Nanotechnology. Autonomous cars. GMOs. What is all this stuff? What are your insureds doing with it? How are insurers responding to it and what can you the agent do about it? Join master insurance technician Steve Lyon as he explores what’s coming for our industry (and for society in general!)

Sometimes referred to as Management Liability coverages, this class will explore the importance of protecting your executives as they operate at home and around the world. Some of the policies to be analyzed include Directors & Officers Liability, Employment Practices, Fiduciary Liability, and Kidnap & Ransom protection. Since most of these policies have claims made triggers, we will explore the significant terms and condition that trigger coverage and/or prevent coverage from applying. Don’t let your executives leave home without these coverages!

This course examines a variety of Commercial General Liability policy features and endorsements that are sometimes added. We will focus on the effect these features and endorsements have on a contractor’s insurance program. While most of the endorsements discussed are reductions in coverage, some are important enhancements.

Agencies with insureds in the construction industry are too familiar with the seemingly never-ending issues with construction contracts as they relate to insurance. Join Cathy as she discusses many common concerns regarding such contracts, their often indecipherable insurance requirements, and the role played by the insurance agent. Contractual liability, waivers of subrogation, Additional Insured requirements and many other issues will be discussed.

Explore many useful Personal Lines and Commercial Lines endorsements that broaden your client’s coverage and provide you with a competitive advantage over others! Also, be able to spot and take action when “nasty” endorsements make their way onto your clients new and renewal policies.

A side-effect of the pandemic is that many of our personal lines insureds – for better or worse – had to make changes in the way they live, work, and educate. Even in a post-pandemic world, many such lifestyle changes will continue. Join Nicole as she discusses effects this “new norm” has on homeowners and auto policies.

This course is further evidence that, even though we deal with them daily, personal lines insurance policies are packed with coverage concerns recognizable only to the well-trained eye. Join Scott Treen as he reviews a variety of annoying but important auto and homeowner’s coverage concerns found in policies sold daily by agents everywhere.

In order to reduce the thoughts of insurance as a commodity, the agent MUST enhance the value they bring to the agribusiness insurance buyer. This course will review the risk management process as well as available coverage forms and endorsements that allow agents to tailor the risk finance tool of insurance. Participants will learn about the tools available to protect entities, individuals and families involved in an agribusiness operation.

Your personal insureds are keeping exposures from you that you need to know in order for their coverage to do its job. Assisted living, side jobs, “entity” ownership, unmarried and living together, off-premises activities and other common exposures are discussed in this course. Solutions will help agents discover the truth, close the gap and keep the account.

Insurance professionals should expect three things from this ethics course: (1.) interesting societal dilemmas and their ethical ramifications, (2.) simple adherence to an existential philosophy applied to a business environment, and (3.) how to apply concrete principles and precepts to insurance-related situations even within a post-modern paradigm. Agents will leave this course with the knowledge to make a correct decision while conducting business, managing people, or setting the barometer for an insurance office or corporate workplace.

Remember when life insurance was just a thing for your family when you croak? What originated as a simple, single peril insurance policy has evolved into a modern mashup of living benefits, tax issues, riders, and a slew of other purposes and functions that often overshadow (and over complicate!) the death benefit. This course dives into many functions of modern life insurance that make it more essential for families and businesses today than ever before.

This class takes an in depth look at insuring for the “worse case scenario” for both personal and commercial clients. A recent study indicates that 47% of your clients are at least 27% underinsured. After taking this class, I think you will agree that almost 75% of your clients are more that 50% underinsured!! This class takes a look at the problems with advice we have been giving our clients for 50 years!

Medicare is coming (or for many, it’s already arrived!) Join veteran insurance educator Chris Amrhein as he shares his own adventures with Medicare and other healthcare solutions for seniors. He’ll discuss eligibility, enrollment, changes, costs, benefits, limitations and just about everything else. Whether the information is for the benefit of your clients, your family, and/or yourself, you’ll be ready!

Retirement is coming (and for many has already arrived!) Join veteran insurance educator Chris Amrhein as he shares his own adventures with Social Security and other retirement income solutions for seniors. He’ll discuss eligibility, enrollment, changes, costs, benefits, limitations and just about everything else. Whether the information is for the benefit of your clients, your family, and/or yourself, you’ll be ready!

Insurance professionals should expect three things from this course: 1) overview of data and demand for insurance products to assist with financing long-term care needs, 2) interesting societal dilemmas, and 3) structuring a policy and alternative funding sources. Agents will leave this course with enough knowledge to assist insureds through a common, stressful, and legitimate concern: “what if my long life makes me/my family broke?