“Add me to the Policy or Else” – Additional Interests
Approval: New Jersey #0314782   3 Credits
This course explores the issues of adding additional interests to insurance policies and what happens when their interest appear. The risk management process will be discussed in order to provide insurance and non-insurance alternatives to handling the issues of additional insureds. Discussion will include property and liability interests and how these clauses effect the outcome of claims settlement. Claims scenarios will be presented and discussed to demonstrate possible outcomes to all parties involved.

Business Auto Coverages
Approval: New Jersey #0501203   3 Credits
Advance course which explores the Business Auto Coverage Form & some of the endorsements generally used to tailor coverage to meet the client's need. In depth discussion will provide the applicant with a solid understanding of business auto insurance and how it can be used to cover the organization's automobile loss exposures.

Commercial Claims Management & Litigation
Approval: New Jersey #0310758   3 Credits
This course provides an in-depth discussion on commercial lines claims handling, management and settlement issues. The course will focus on the process of a claim from the occurrence and what happens at the company level, as well as all parties who become involved throughout the investigation, coverage issues and settlement process Focus on actual claims scenarios which have resulted in court cases and will provide information and facts regarding legal issues and consideration in claims management and settlement. Participants will review actual cases and share their knowledge and experience.

Commercial General Liability-Tailoring Coverage to the Needs of your Insured
Approval: New Jersey #0310741   3 Credits
Advanced Course which provides a detailed review of the Commercial General Liability policy exclusions, which highlight the gaps in coverage faced by many commercial risks. The student will become familiar with many of the endorsements
and policies that are available to address some of these exposures to risk. The student will learn the skills necessary to tailor the Commercial General Liability Policy to the specific needs of a client.

Commercial General Liability Overview
Approval: New Jersey #0314778   3 Credits
Advanced Commercial Lines course, which will provide the insurance professional with a review of the standard ISO CGL coverage form including occurrence and claims made. Focus will be on whom is an insured, scope of coverage, limitations and exclusions. Coverage options available through the use of standard endorsements will be discussed as well as company specific and manuscript forms companies are currently utilizing. Other liability policy forms such as EBL and professional exposures will also be included.

Commercial Lines Court Cases & Decisions 2001
Approval: New Jersey #0314773   3 Credits
Advanced course, which provides an in-depth discussion on actual claims scenarios, which have resulted in court cases. The course will provide information and facts regarding legal issues and consideration in claims management and settlement. Participants will discuss the coverage issues and review actual cases and share their knowledge and experience. Participants will be able to provide their clients with knowledge which will assist them when an actual claim occurs and possible outcomes based on actual claims presented through the court system.

Commercial Lines Court Cases & Decisions 2004
Approval: New Jersey #0310742  2 Credits
Advanced course, which provides an in-depth discussion on actual claims scenarios, which have resulted in court cases. The course will provide information and facts regarding legal issues and consideration in claims management and settlement. Participants will discuss the coverage issues and review actual cases and share their knowledge and experience. Participants will be able to provide their clients with knowledge which will assist them when an actual claim occurs and possible outcomes based on actual claims presented through the court system.

Commercial Property-Tailoring Coverage to the Needs of Your Insured
Approval: New Jersey #0314763   3 Credits
Advanced course which provides a detailed review of the Commercial Property, Businessowners and Time Element Forms. Course will highlight the gaps in Coverages faced by many commercial risks. The student will become familiar many of endorsements that are available to address some of the exposures of these risks. The students will learn the skills necessary to tailor the most commonly used Property forms so the specific needs of a client.

Commercial Property – The Causes of Loss
Approval: New Jersey 0403289   3 Credits
This course will familiarize the student with the coverage provided by the three ISO Commercial Property Cause of Loss forms. The student will become familiar with the types of perils covered by the various forms and will learn how to apply that knowledge. We will look at several ISO endorsements and how they can be used to tailor coverage under the standard forms to the needs of commercial policyholders.

Commercial Property - Understanding Policy Forms
Approval: New Jersey #0314763   3 Credits
Advanced provides the experienced commercial lines or personal lines insurance professionals with the review of commercial property forms. Discussion will include identifying the elements and documents that form a commercial property part of a commercial package Focus of discussion will include understanding the Building and Personal Property Coverage form as well as examining the differences between the causes of loss forms.

Community Association Coverages – The Ins & Outs of Writing Condos, Co-ops & Townhouse Associations
Approval: New Jersey 0310736   3 Credits
This course provides an in depth discussion on the unique issues and insurance solutions for Condominium Associations. Review of the governing documents will provide the agent with the knowledge necessary to provide a comprehensive commercial insurance program for these clients. Review of the coverage form and commonly used endorsements available through standard and the non-standard marketplace will be included. Other coverages needed by many associations to round out their insurance package will also be included.

Construction Defects – The Insurance Issues
Approval: New Jersey 0403290   3 Credits
This course will examine the issues of construction defects. We will discuss the history of the problem and some of the reasons behind the increase in construction defect claims. Included in the discussion of construction defects will be a discussion of the related problem, mold claims. We will discuss ways that the insurance carriers and contractors can limit their exposures in this area. We will discuss how the CGL might respond to these claims and look at several CGL endorsements that might apply to the construction defects issue. We will also discuss additional insured status and contractual transfer of risk, within the context of the construction defect claim.

Crisis Management/Disaster Planning for the Commercial Client
Approval: New Jersey #0310738   3 Credits
Advanced commercial lines course, which provides the participant with the knowledge to assist their commercial lines client’s with risk management techniques, as well as, possible insurance solutions to a catastrophic event. Focus will be on discussing and defining “what is a crisis?” and the importance of developing a plan, to eliminate, reduce or minimize the negative financial impact, to their businesses. Discussion will include the use of endorsements and coverage options available to enable the agent to provide necessary protection for their clients.

Cross Training Series - Introducing the Commercial lines Agent to the Personal Marketplace
Approval: New Jersey 0403282   3 Credits
Advanced personal lines course which provides the experienced personal lines professional an overview to the commercial lines marketplace. Focus will be on learning the basics of commercial underwriting, identification of classes of businesses, types of coverage forms used for commercial clients and the underwriting techniques and applications commonly used. Comparing and contrasting the personal lines coverages & underwriting to the commercial lines accounts will provide the professional broader understanding of both personal and commercial lines clients’ needs for insurance protection. Personal lines professionals, considering moving to commercial lines or developing additional skills would benefit from the course.

Current Industry Trends & Changes to Commercial Property & General Liability
Coverage Forms
Approval: New Jersey #0310854   3 Credits
Advanced course which provides a discussion on the current industry trends in commercial lines. Focus will be on discussing recent events and the impact to the commercial marketplace. A review of the newly revised Commercial Property 2000 changes and Commercial General Liability 2001 changes will also be reviewed. Participants will discuss the changes to the forms and the impact & use of existing and revised coverage forms for their commercial clients.

Directors & Officers – Executive Risks
Approval: New Jersey #0311115   3 Credits
This course provides the opportunity for the experienced insurance professional to explore the important issues of Executive Risks and to provide insurance solutions. Discussion will provide historical background, evolvement of D&O coverage and current trends in the marketplace. Focus will be on the Coverage forms, underwriting issues and concerns, maximizing the basic coverage form common policy limitations and exclusions. Use of case law and possible claim situations will provide the participant with an understanding of the exposures and knowledge necessary to provide a comprehensive D&O product.

Disability Insurance Overview
Approval: New Jersey #0310138   3 Credits
Advanced course which provides the attendee with the basics on disability insurance. Attendees will understand the need for providing disability insurance and the types of coverage options available. The focus of the course will familiarize the agent with the different types of benefits and coverages available for the individual and business client. The class will analyze a typical disability contract, understand the coverage terms, provisions, exclusions and limitations. Important issues of underwriting and providing customer service will also be discussed.

Employment Practices – EPLI
Approval: New Jersey 0314781   3 Credits
Advanced commercial lines course for the commercial lines insurance professional. Discussion will overview the limitations and exclusions commonly found in commercial lines coverage forms, provide risk management techniques and insurance coverage solutions available to meet the ever changing employer marketplace.

Errors & Omissions Identification & Prevention for Commercial Lines
Approval: New Jersey 0403285 3 Credits
Advanced seminar which provides a discussion on Errors & Omissions for Commercial Lines. Focus will be on prevention and procedures to minimize, reduce or eliminate errors and omissions claims. Discussion will include examining the tools and software options available in automated systems and providing techniques and possible solutions to challenges of E&O prevention. Actual claim scenarios will be reviewed and discussed.

Executive Risks – D&O
Approval: New Jersey #0314775  3 Credits
This course provides the opportunity for the experienced insurance professional to explore the important issues of Executive Risks and to provide insurance solutions. Discussion will provide historical background, evolvement of D&O coverage and current trends in the marketplace. Focus will be on the Coverage forms, underwriting issues and concerns, maximizing the basic coverage form common policy limitations and exclusions. Use of case law and possible claim situations will provide the participant with an understanding of the exposures and knowledge necessary to provide a comprehensive D&O product.

Garage Exposures
Approval: New Jersey #0314765  3 Credits
Advanced class on the Garage Policy. Focus will be on the risk management process and insurance solutions of commercial auto & garage operations. Discussion will include identifying eligible classes of businesses and coordinating coverages to provide a comprehensive commercial package program. Use of possible claim scenarios will be included to broaden the participant’s perspective of potential exposures to loss.

Insuring Condominium Associations
Approval: New Jersey #0314767  3 Credits
This course provides an in depth discussion on the unique issues and insurance solutions for Condominium Associations. Review of the governing documents will provide the agent with the knowledge necessary to provide a comprehensive commercial insurance program for these clients. Review of the coverage form and commonly used endorsements available through standard and the non-standard marketplace will be included. Other coverages needed by many associations to round out their insurance package will also be included. Emphasis on Risk Management and underwriting issues are a focus and will assist the agent in successfully writing association accounts.

Let’s Talk Commercial Property – An Overview
Approval: New Jersey #0301731  3 Credits
Advanced provides the experienced commercial lines insurance professionals with the review of commercial property forms. Discussion will include identifying the elements and documents that form a commercial property part of a commercial package Focus of discussion will include understanding the Building and Personal Property Coverage form as well as examining the differences between the causes of loss forms.

Let’s Talk General Liability
Approval: New Jersey #0310740  3 Credits
Advanced commercial lines course providing the insurance professional with a review of the commercial general liability coverages. Using risk management techniques participants will explore liability issues of commercial insureds and provide insurance solutions through use of coverage forms, endorsements and excess and/or umbrella coverages. Discussion will also include the importance of excess liability policies and commercial umbrellas; their uses, coverage options and common exclusions.

Liability Risk Transfer
Approval: New Jersey #0403295  3 Credits
This course examines the primary tools used by organizations to transfer liability to others, the contract and the additional insured endorsement. We begin with an overview of the different types of contracts used and discuss how the CGL policy responds to liability assumed under contract. We will look at the use of additional insured endorsements and study, in detail, the most commonly used ones. We will discuss how to integrate the two approaches to risk transfer and look at the benefits drawbacks of each. Lastly, we will study the insurance certificate, focusing on some of the problems one encounters when relying on a certificate of insurance.

Primary & Excess Commercial Liability Overview
Approval: New Jersey #0314764  3 Credits
Advanced commercial lines course providing the insurance professional with a review of the commercial general liability coverages. Using risk management techniques participants will explore liability issues of commercial insureds and provide insurance solutions through use of coverage forms, endorsements and excess and/or umbrella coverages. Discussion will also include the importance of excess liability policies and commercial umbrellas; their uses, coverage options and common exclusions.

Profile Series - Commercial Lines Case Study “Contracting Risk”
Approval: New Jersey #0314761  3 Credits
Advanced course, which applies the risk management process to the special needs of a contracting risk. By focusing on a large contracting operation, we will identify and analyze the exposures involved in a contracting business. We will review the insurance products most commonly used to cover contractors, focusing on areas that may create problems for contractors and agents. We will also explore the contractual transfer of liability and how it must be addressed as part of a comprehensive risk management program.

Situations & Solutions of Commercial Automobile
Approval: New Jersey #0314747  3 Credits
Advanced course, which provides a discussion on actual situations relating to the Commercial auto policy and possible solutions. The focus of the course is a round table discussion on the coverage “what ifs” and claims that arise in the interpretation of the coverage form. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat these exposures through use of endorsements and/or risk management techniques.

Situations & Solutions of Commercial Automobile- 2004
Approval: New Jersey #0310751  3 Credits
Advanced course which, provides a discussion on actual situations relating to the Commercial auto policy and possible solutions. The focus of the course is a round table discussion on the coverage “what ifs” and claims that arise in the interpretation of the coverage form. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat these exposures through use of endorsements and/or risk management techniques.

Situations & Solutions of Commercial General Liability
Approval: New Jersey #0314746  3 Credits
Advanced course which, provides a discussion on actual situations relating to the Commercial General Liability Policy and possible solutions. The focus of the course is a round table discussion on the coverage “what ifs” and claims that arise in the interpretation of the coverage form. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat these exposures through use of endorsements and/or risk management techniques.

Situations & Solutions of Commercial General Liability-2004
Approval: New Jersey #0311626  3 Credits
Advanced course which, provides a discussion on actual situations relating to the Commercial General Liability Policy and possible solutions. The focus of the course is a round table discussion on the coverage “what ifs” and claims that arise in the interpretation of the coverage form. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat these exposures through use of endorsements and/or risk management techniques.

Situations & Solutions of Commercial Property Forms
Approval: New Jersey #0314747  3 Credits
Advanced course, which provides a discussion on actual situations relating to the commercial property forms and possible solutions. The focus of the course is a round Table discussion on the coverage “what ifs” and claims that arise in the interpretation of the coverage form. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat these exposures through use of endorsements and/or risk management techniques.

Situations & Solutions of Commercial Property Forms- 2004
Approval: New Jersey #0310752  3 Credits
Advanced course, which provides a discussion on actual situations relating to the commercial property forms and possible solutions. The focus of the course is a round Table discussion on the coverage “what ifs” and claims that arise in the interpretation of the coverage form. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat these exposures through use of endorsements and/or risk management techniques.

Situations & Solutions of Miscellaneous Commercial Lines
Approval: New Jersey #0310753  3 Credits
Advanced course which provides a discussion on actual situations relating to Miscellaneous Commercial Lines Coverage issues & possible solutions. The focus of the course is a round table discussion on the coverage of “what ifs” and claims that arise in the interpretation of coverage forms. Participants will review coverage areas as it applies to the situation and offer possible insurance and non-insurance techniques to treat these exposures through use of endorsements, and/or risk management techniques.

The Ins and Outs of BOP
Approval: New Jersey #0504219 3 Credits
Advanced course which provides a detailed review of the Business Owners Coverage form . Course will highlight the advantages vs. the disadvantages of using the BOP form The student will become familiar many of endorsements that are available to address some of the exposures of these risks. The students will learn the skills necessary to tailor the most commonly used Property forms so the specific needs of a client.

Time Element for Commercial Risks
Approval: New Jersey 0403291  3 Credits
This course explores the subject of Business Income and Extra Expense in Commercial Property Coverage. We will take a detailed look at the most commonly encountered Business Income exposures and how they are treated using ISO coverage forms. We will discuss the procedures used to establish a limit of coverage and how coverage is charged for. We will also examine the process of settling a Business Interruption loss, including the parties involved in the claim and what steps are involved in the settlement process. Finally, we will discuss crisis management planning and the effects that a well designed plan may have.

Umbrella & Excess Coverage
Approval: New Jersey #0310729  3 Credits
Advanced Course, which provides an in-depth discussion on commercial umbrella and excess coverages. The course covers commercial umbrella exposures and possible insurance solutions. Risk Management techniques will be utilized to analyze and explore the issues and alternatives for insureds. Coverage forms will be reviewed and discussed to provide the agent with the knowledge to able to underwrite and provide a comprehensive insurance program.

Understanding Business Income Coverages
Approval: New Jersey #0314756  3 Credits
Advanced Class, which provides an in-depth review of the Business Income Forms. Participants will discuss the purpose, use and importance of time element coverages. Forms will be discussed in detail as well as endorsements available to customize coverage. Underwriting and claim situations will be provided which should assist the participant in the assessment and selection of coverage for the commercial client.

Understanding Garage Exposures
Approval: New Jersey #0311116  3 Credits
Advanced class on insurance exposures of garage operations. Focus will be on the risk management process and insurance solutions of commercial auto & garage operations. Discussion will include identifying eligible classes of businesses and coordinating coverages to provide a comprehensive commercial package program. Use of possible claim scenarios will be included to broaden the participant’s perspective of potential exposures to loss.

Underwriting the Small Business Owner
Approval: New Jersey #0311114  3 Credits
Advanced course for the commercial lines account representative who wants to underwriting coverage effectively and provide coverage for the small to medium size commercial lines client. By utilizing the Risk Management Techniques, participants will be able to identify the needs of a small/medium size business account and offer insurance solutions to meet both the needs of the company and insured. Discussion will include agent and company issues and concerns when writing commercial accounts and offer solutions to some of the challenges that arise. Commercial coverage forms & endorsements generally used to provide coverage and alternative markets available for the “hard to place risks” or “new business” client will also be discussed.

War, Military Action & Terrorism
The Legal & Coverage Issues Facing the Industry
Approval: New Jersey #0311630  3 Credits
Advanced course for commercial lines insurance professionals which focuses on the legal and coverage issues facing the industry regarding the Terrorism Insurance Act. Participants will review the act and discuss the issues facing companies, agents and consumers. Discussion will include review of some of the terrorism endorsements currently in use, how they impact coverage and the risk management alternatives.

Who’s Covered?
Approval: New Jersey 0403293  3 Credits
This course addresses the subject of who is protected by the most common Commercial Policies written. The student will learn which persons and entities are automatically covered by the insurance contract and will study the methods used to add coverage for other entitities. We will discuss additional insured endorsements, contractual liability provisions and coverages, and the interaction between the two.

Who Says We Can’t Underwrite?- Underwriting Commercial Accounts
Approval: New Jersey #0310853  3 Credits
Advanced course for the commercial lines account representative who wants to underwrite
Coverage effectively and provide coverage for the client. By utilizing the Risk Management Techniques, participants will be able to identify the needs of a commercial business account and offer insurance solutions that meet both, the needs of the company and the insured. Discussion will include agent and company issues and concerns when writing commercial accounts and possibilities to some challenges that arise.

Worker’s Compensation – Concepts, Law & Benefits
Approval: New Jersey #0314769  3 Credits
Advanced course, which will provide the experienced producer with an in-depth analysis of the concepts and law provisions of the worker’s compensation insurance. Discussion will include the requirements of employers to provide benefits, rules governing the eligibility, issuance and benefits provided by the insurance policy. Participants will be able to provide their clients with a better understanding of issues surrounding worker’s compensation and to provide proper coverage.