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Ten Components to Commercial Competence
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| Component
#1 - Workers' Compensation Policy & Endorsements
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| Let the fun begin with a complete review of the Workers’ Compensation policy. You’ll gain an in-depth understanding of the importance of this coverage; what it does and doesn’t cover; what endorsements are necessary to adequately cover your insured as well as the state law requirements for policy issuance. Learn how to explain these issues to your insureds and how to check to make sure the correct information is being used by the carrier.
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Not Offered in 2013 - Call Association Education at
1-800-222-2699 for future scheduling.
| Component
#2 - CGL Policy & Employer Practices Liability Policy
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| You'll
gain a better understanding of the CGL policy and who it covers at this
class. Discussion of Coverage A exclusions (such as property in your care),
Coverage B (personal injury) and Coverage C (what, if any, medical payments
are available to others) will be prominent. The CGL's limit structure will
be reviewed for the "adequacy of limits" issue, and we'll take a look at
what the EPL policy covers; why you need it; and what type of defense and
limits it offers.
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Not Offered in 2013 - Call Association Education at
1-800-222-2699 for future scheduling.
| Component
#3 - Business Auto Policy With Endorsements & Garage Policy
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| Let's
learn what risk is eligible for a Business Auto policy (BAP) as opposed
to a Personal Auto policy (PAP) - even when the vehicle is registered to
an individual! We'll discuss BAP coverages & important endorsements, and
how to explain to your insured that sometimes certain coverage must be purchased
elsewhere - or it's just not available. Then let's look at the differences
between the Garage policy, BAP & CGL. We'll figure out which insureds need
a Garage policy from a premises liability and products & completed operations
issues point of view. And finally we'll consider the importance of Garagekeepers
Legal Liability coverage in conjunction with a Garage policy.
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Not Offered in 2013 - Call Association Education at
1-800-222-2699 for future scheduling.
| Component
#4 - Commercial Property Policy & Business Income Policy
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| In
the world of commercial property, you'll learn what the Building and Business
Personal Property form provides, and what property is covered and NOT covered.
We'll also review the Basic, Broad and Special Cause of Loss forms and the
importance of understanding the "vacancy provision". An in-depth look at
the Condo Association form follows with a discussion of the differences
between the building contents form and legal liability coverage form - and
when to use them! To conclude this component, we'll cover all the necessary
information and endorsements you'll need in order to write Business Income
insurance properly.
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Not Offered in 2013 - Call Association Education at
1-800-222-2699 for future scheduling.
| Component
#5 - CGL & Commercial Property Endorsements
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| You
understand the CGL and CP policies so now let's look at endorsements that
can enhance or remove coverage! In the case of the CGL, you'll learn how
to make the aggregate limits work for your insured; we'll discuss amending
the host liquor liability endorsement and what this could mean to your insured;
and we'll identify the dangerous exclusionary endorsements that could drastically
modify the CGL! In the case of the CP, let's focus on how to enhance the
policy with the value reporting form, ordinance or law coverage, functional
replacement cost and spoilage coverage endorsements. We'll wrap up this
component with final tips on additional coverages and endorsements to the
CP policy.
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Finished for 2013 - Call
Association Education at 1-800-222-2699 for future scheduling.
| Component
#6 - Commercial Inland Marine Policy & Commercial Crime Policy
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| It's
time to move on to the Commercial IM policy. You'll get an overview of available
coverages, exposures your clients might have and how to cover them. Inland
Marine coverage is essentially a "non-standard market" so we'll discuss
an "analysis exposure approach" as opposed to a particular policy. The CCP
becomes our next issue as we learn to identify the reasons why businesses
need insurance against crime loss. A discussion of the major crime forms,
their specific purpose & the important characteristics of each plan will
follow.
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Finished for 2013 - Call
Association Education at 1-800-222-2699 for future scheduling.
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Component
#7 - D&O, Professional
Liability Exposures & The Commercial Umbrella Policy
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| Our
focus turns to the individuals' duties and defenses in the D&O policy as
well as what this policy intends and does not intend to cover. We'll discuss
the importance of the application process, warranty statement, and professional
liability issues (E&O policy and malpractice policy included). Then we'll
discuss the difference between a Commercial Umbrella and an Excess Liability
policy. Can you differentiate between "stand alone" and "follow form" policies?
We'll analyze exclusions, conditions, and the "concurrency of policy dates"
issue.
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DATE |
MEMBERS |
NON-MEMBERS |
CLASS NAME |
CITY |
CEUs |
| 5/21/13 |
247327 |
247327 |
Ten Components (CL)#7-D&O Profess. Liability & Comm Umbrella |
Peabody, MA |
7 |
| 5/22/13 |
247328 |
247328 |
Ten Components (CL)#7-D&O Profess. Liability & Comm Umbrella |
Chicopee, MA |
7 |
CEU Key:
S- Massachusetts CE credits applied for
V- CEUs Vary by State
| Component
#8 - Boiler/Machine Policy, Bonds & Excess/Surplus Lines
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| You'll
learn why BM coverage is necessary; what it offers over the CP or BOP policies;
what type of equipment it covers; what loss situations it covers; and whose
property is covered. We'll discuss the purpose and different types of bonds
- insurance vs. suretyship; and what the underwriter looks for in a "bond"
insured. A look at the ins & outs of Excess and Surplus Lines market concludes
this session. We'll consider the agent's role and responsibilities.
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DATE
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MEMBERS
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NON-MEMBERS
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CLASS NAME
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CITY
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CEUs
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| 7/9/13 |
247341 |
247341 |
Ten Components (CL)#8-Boiler/Machine, Bonds & Excess/Surplus Lines |
Milford, MA |
7 |
| 7/10/13 |
247342 |
247342 |
Ten Components (CL)#8-Boiler/Machine, Bonds & Excess/Surplus Lines |
Chicopee, MA |
7 |
| 7/17/13 |
247343 |
247343 |
Ten Components (CL)#8-Boiler/Machine, Bonds & Excess/Surplus Lines |
Plymouth, MA |
7 |
| 7/18/13 |
247344 |
247344 |
Ten Components (CL)#8-Boiler/Machine, Bonds & Excess/Surplus Lines |
Peabody, MA |
7 |
CEU Key:
S- Massachusetts CE credits applied for
V- CEUs Vary by State
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Component
#9 - Commercial Flood Policy/ Errors & Omissions Tips
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| Open
the flood gates of knowledge on the Commercial Flood Policy! Understand
what property is & is NOT covered under the policy and the procedures used
to procure the coverage. Then we'll look at the causes of E&O claims, and
what you can do to ensure that an insured has first party coverage and not
"back door" coverage. We'll analyze common E&O exposures and offer handy
tips.
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DATE |
MEMBERS |
NON-MEMBERS |
CLASS NAME |
CITY |
CEUs |
| 9/10/13 |
247345 |
247345 |
Ten Components (CL)#9 - Commercial Flood Policy/Errors & O |
Milford, MA |
7 |
| 9/11/13 |
247346 |
247346 |
Ten Components (CL)#9 - Commercial Flood Policy/Errors & O |
Chicopee, MA |
7 |
| 9/17/13 |
247347 |
247347 |
Ten Components (CL)#9 - Commercial Flood Policy/Errors & O |
Plymouth, MA |
7 |
| 9/25/13 |
247348 |
247348 |
Ten Components (CL)#9 - Commercial Flood Policy/Errors & O |
Peabody, MA |
7 |
CEU Key:
S- Massachusetts CE credits applied for
V- CEUs Vary by State
| Component
#10 - Businessowners Policy
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| You've
made it to the tenth and final component so let's tie it all together! We'll
take an in-depth look at ISO's 2010 BOP. We'll look at what makes the BOP
different from the Commercial Package Policy (CPP). A thorough discussion
of the necessary endorsements and optional coverages will be followed by
an interesting look at what is lacking in the BOP!
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DATE |
MEMBERS |
NON-MEMBERS |
CLASS NAME |
CITY |
CEUs |
| 11/5/13 |
247329 |
247329 |
Ten Components (CL)#10 -Businessowners Policy |
Chicopee, MA |
7 |
| 11/12/13 |
247330 |
247330 |
Ten Components (CL)#10 -Businessowners Policy |
Peabody, MA |
7 |
| 11/19/13 |
247331 |
247331 |
Ten Components (CL)#10 -Businessowners Policy |
Plymouth, MA |
7 |
| 11/20/13 |
247332 |
247332 |
Ten Components (CL)#10 -Businessowners Policy |
Milford, MA |
7 |
CEU Key:
S- Massachusetts CE credits applied for
V- CEUs Vary by State
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