Seven Steps to Personal Lines Success

We’ll take an in-depth look at the:

1. Condominium Policy...what you need to consider when selling it, the differences between it and the HO policy and potential E&O problems;
2. Dwelling Fire Policy...why you use it, and what it does that the HO policy would not do; and
3. Inland Marine coverages...when they are used and coverages provided.

We’ve got three great topics to cover:

1. Boat & Yacht Policies - you’ll enjoy a lively discussion on the important issues, concepts and coverages provided in these policies;
2. Flood - let’s take a close look at the coverages found under the Dwelling Flood Form, flood eligibility requirements and other important issues; and
3. Personal Umbrella Policy - we’ll compare important issues and usual conditions & provisions.

When you reach STEP 5, you’re over the hump! We’ll discuss:

• How to understand the "ordinance or law" exclusion, E&O problems for agents, & how to provide coverage;
• How to suggest the new ISO "Additional Limits of Insurance" endorsement which provides the answer to the "guaranteed replacement cost" issue; and
• The "business issue" to see what’s excluded, what’s covered and available endorsements.

Come armed with questions on the Personal Auto Policy (PAP). We’ll discuss:

• What "furnished for regular use" means and the "public or livery use" issue; and
• How do you adequately cover the equipment on customized vehicles; and
• The problems in a complex PAP with a case study of a true-to-life client complete with divorce, remarriage, step children, company cars and business activities.