Condos, Co-ops & Townhouses- Issues & Solutions
Approval: New Jersey #0310737 3 Credits
This course provides an in-depth discussion on the unique issues and insurance solutions for owners of condominiums, co-ops and townhouses. Review of the governing documents provides the agent with the basis of providing a comprehensive insurance package for these clients. Coverage options will be reviewed utilizing the ISO and MSO coverage forms as well as endorsements needed to customize the cooperative living account. Claims scenarios as well as settlement options will be discussed.

Crisis Management/Disaster Planning for the Personal Lines Account
Approval: New Jersey #0310739 3 Credits
Advanced personal lines course, which provides the participant with the knowledge to assist their personal 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, of such an event. 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 Personal lines Agent to the Commercial Marketplace
Approval: New Jersey #0314785 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.

Current Industry Changes & NJ Auto Reform
Approval: New Jersey 0315404 3 Credits
Advanced course which provides the participant and understanding of the historical background of automobile insurance reform in New Jersey and its effect on the industry. Focus of our discussion will be on the Auto Reform Plan and law changes in NJ Auto and its proposed impact on the marketplace. Eligibility, underwriting and coverage issues will be discussed. Participants will have increased knowledge and understanding of these changes and enhance their ability to provide the best coverage and service options for their clients.

Current Industry Trends & Changes to Homeowners and Personal Auto Coverages
Approval: New Jersey #0502035 3 Credits
Advanced course which provides a discussion on the current industry trends in personal lines. A review of the newly revised Homeowner Coverage Form and Personal Auto Policy Coverage Form as well as some of the endorsements used with these forms will be the focus of the course. Participants will discuss the impact and use of existing and revised coverage forms.

Dwelling Coverage Forms
Approval: New Jersey #0310733 3 Credits
Advanced Program which will review the needs and uses of dwelling coverage forms. In depth review of the actual policy forms, eligibility and uses of the various forms will be discussed along with the policy coverage issues and endorsements available. Participants will discuss coverage, gaps and exclusions. In addition, participants will discuss the options for coordinating these coverages with other lines of insurance that may be needed to for their clients.

E&O Identification & Prevention for Personal Lines
Approval: New Jersey #0501204 CE 3 Hours 3 Credits
Advanced seminar which provides a discussion on Errors & Omissions for Personal 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.

High Profile, High Values-Working with the V.I.P. Account
Approval: New Jersey #0310730 3 Credits
Advanced Personal Lines course, which explores the unique issues of writing high profile and high valued accounts. Discussion will include the risk management & underwriting issues that are important to these types of accounts. Participants will explore the potential coverage options available through standard, non-standard forms, package programs and mono-line coverages available in order to provide a comprehensive insurance program. Claims issues and management will also be discussed.

Homeowner Coverage
Approval: New Jersey #0314754 3 Credits
Advanced Seminar which reviews the homeowner forms but will focus on the HO3 Special Form. Attendees will learn to use the risk management process to identify and treat insurable loss exposures for the client. Review of the coverage form will provide attendees with an in-depth understanding of homeowner coverage forms as well as use of endorsements commonly used to tailor coverage.

Homeowner Liability Coverage Forms & Endorsements
Approval: New Jersey #0310732 3 Credits
Advanced Seminar, which reviews the liability issues of a homeowner and discusses uses of the various liability endorsements available, whether the form is to be used for an owner occupant, tenant or condominium unit owner or occupant. Underwriting and loss valuations of the different forms will be provided. Identify uninsurable exposures and possible gaps in coverage. Focus will be on the endorsements available and/or alternative solutions to coverage issues to provide a comprehensive insurance program.

Homeowner Property Coverage Forms & Endorsements
Approval: New Jersey #0314766 3 Credits
Advanced course, which reviews homeowner forms and discusses the uses of the various coverage options available, whether the form is utilized for owner, tenant, condominium or townhouse exposures. Underwriting and loss valuations of the different forms will be provided. Identify uninsurable exposures and possible gaps in coverage. Focus will be on the endorsements available to provide solutions to coverage issues and provide a comprehensive insurance program.

Insuring Homes-Homeowner Coverage Forms
Approval: New Jersey #0314755 3 Credits
Advanced Seminar, which reviews both the property & liability exposures. Uses of the various coverage options available, whether the form is utilized for owner, tenant, condominium or townhouse exposures. Underwriting and loss valuations of the different forms will be provided. Participants will be able to identify uninsurable exposures, possible gaps in coverage and review the commonly used endorsements available to provide a comprehensive insurance program.

Insurance and Personal Trusts
Approval: New Jersey #0403280 3 Credits
Advanced course which reviews the elements of a personal trust and the insurance implications created for the insured. Discussion will include review of the personal lines coverage forms in regard to coverage, exclusion and gaps. Insurance and risk management solutions will be provided.

Just Having Fun - Specialty Coverages
Approval: New Jersey #0502036 3 Credits
Advanced course which discusses the recreational and specialty personal lines products and their uses. Topics will include identifying the types of recreational equipment and vehicles owned, used and rented by clients and their unique exposures to loss. Discussion will include where some coverage may be included through homeowners and/or automobile policies as well as the gaps & exclusions unique to specialty coverages. Focus will be on underwriting and providing coverage through the various standard and specialty markets available as well as unique features of these types of products.

Keeping Personal Lines Business, Renewals and Retention
Approval: New Jersey #0314772 3 Credits
Advanced Personal Lines Course targeted to agency and company personnel handling personal lines products. The seminar reviews the fundamentals of account review and retention but is targeted to the advanced personal lines customer service representative, producer or agency supervisor, managing the process as well as the account. The course provides customer renewal & retention procedures and ideas, underwriting considerations including claims information and coverage coordination issues.

Personal Lines Court Cases
Approval: New Jersey #0310743 2 Credits
Advanced course which provides a discussion of actual claim scenarios which have resulted in court cases. The course will provide information and facts regarding legal issues and considerations in claims management & settlements. Participants will discuss the coverage issues and share their knowledge and experience.

Personal Lines Renewal & Retention Techniques
Approval: New Jersey #0310734 3 Credits
Advanced Personal Lines Course targeted to insurance professionals who want to increase their retention rate of accounts. The seminar reviews renewal and retention techniques and managing the process as well as the account. The course provides customer renewal & retention procedures and ideas, underwriting considerations including claims information and coverage coordination issues.

Personal Auto Coverages
Approval: New Jersey # 0314750 3 Credits
Advanced course which provides an in-depth review of the ISO personal auto Policy. Participants will be able to identify the important issues relating to automobile insurance in regard to eligibility, coverage parts, gaps and exclusions.
Participation in the class will assist the Insurance professional in identifying exposures and providing coverage options through the use of standard contracts and endorsements available to meet the needs of their clients.

Personal Lines Umbrella & Excess Coverages
Approval: New Jersey #0310728 2 Credits
Advanced Course which provides an in-depth discussion on personal lines umbrellas and excess coverages. The course covers personal 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.

Personal Lines Underwriting
Approval: New Jersey #0314777 3 Credits
Advanced course provides the experienced personal lines customer service representative / producer with techniques for personal lines underwriting. This course would also benefit commercial lines representatives who wants to understand the needs and issues of personal lines accounts. Review of the risk management techniques and in depth discussion on the different underwriting criteria utilized by companies to properly underwrite personal lines accounts. Preparation and use of accord applications as well as company specific applications will also be included.

Profile Series-Personal Lines Case Study “The Barone Family”
Approval: New Jersey # 0314572 3 Credits
Advanced Personal Lines Course, which profiles a large personal lines account. It will provide agents, claims and company personnel with the unique challenges and opportunities associated with a large account. Utilizing risk management techniques, participants will analyze the exposures, gaps and possible coverage solutions for providing a comprehensive insurance program.

Profile Series-Personal Lines Case Study “The Smythes”
Approval: New Jersey #0314573 3 Credits
Advanced Personal Lines Course, which profiles a large personal lines account. It will provide participants with unique challenges and opportunities associated with a large personal lines account. Utilizing risk management techniques, we will analyze exposures, gaps and exclusions found in these types of accounts and offer possible insurance and non-insurance solutions.

Reviewing Personal Lines Court Cases
Approval: New Jersey #0314771 3 Credits
This course provides an in depth discussion on personal lines claims and what happens when the claim goes to the company. The course will focus on providing actual claim scenarios, which have resulted in court cases and will provide information and facts regarding the legal issues and considerations in claims management and settlement.

Risk Management for the Personal Lines Account
Approval: New Jersey #0314780 3 Credits
Advanced Personal Lines Course for the experienced producer, customer service or underwriter. The seminar provides an in-depth review of the Risk Management Process and it uses by the insurance professional in designing a comprehensive insurance program. Discussion will include Risk identification, analysis, handling and administration of a client’s exposures. Treatment of these exposures through insurance and non-insurance methods will be examined. Limitations, gaps and exclusions of insurance contracts will be discussed as well as available endorsements and coverages available.

Situations & Solutions of Personal Auto
Approval: New Jersey #0314749 3 Credits
Advanced course, which provides a discussion on actual situations relating to the personal automobile 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 personal auto coverage form. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat the exposures through use of endorsements and/or risk management techniques.

Situations & Solutions of Personal Auto- 2004
Approval: New Jersey #0310756 3 Credits
Advanced course, which provides a discussion on actual situations relating to the personal automobile 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 personal auto coverage form. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat the exposures through use of endorsements and/or risk management techniques.

Situations & Solutions in Homeowner Coverage Forms
Approval: New Jersey #0314738 3 Credits
Advanced course, which provides a discussion on actual situations relating to the homeowner 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 homeowner coverage forms. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat the exposures through use of endorsements and/or risk management techniques.

Situations & Solutions in Homeowner Coverage Forms – 2004
Approval: New Jersey #0310755 3 Credits
Advanced course, which provides discussion on actual situations relating to the homeowner 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 homeowner coverage forms. Participants will review the coverage form as it relates to the situation and offer possible insurance and non-insurance techniques to treat the exposures through use of endorsements and/or risk management techniques.

Situations & Solutions in Miscellaneous Personal Lines
Approval: New Jersey #0310757 3 Credits
Advanced course which provides a discussion on actual situations relating to miscellaneous personal lines coverage . The focus of the course is a round table discussion on the coverage “what ifs” and claims that arise in the interpretation of Miscellaneous personal lines coverage forms. Participants will discuss coverage & settlement options as it relates to the situation and offer possible insurance and non-insurance techniques to treat these exposures through the use of endorsements and/or risk management techniques.

Situations & Solutions in Personal Lines
Approval: New Jersey #0314739 3 Credits
Advanced course which provides a discussion on actual situations to the personal lines account. The focus of the course is round table discussion on coverage “what ifs”, underwriting and claim scenarios that arise in the interpretation of personal lines coverage forms. Participants will discuss coverage & settlement options as it relates to the situation and offer possible insurance and non-insurance techniques to treat these exposures through the use of endorsements and risk management techniques.

Situations & Solutions in Personal Lines 2004
Approval: New Jersey #0310754 3 Credits
Advanced course which provides a discussion on actual situations to the personal lines account. The focus of the course is round table discussion on coverage “what ifs”, underwriting and claim scenarios that arise in the interpretation of personal lines coverage forms. Participants will discuss coverage & settlement options as it relates to the situation and offer possible insurance and non-insurance techniques to treat these exposures through the use of endorsements and risk management techniques.

“So, Your Insured Has Purchased a Condominium, Co-op or Townhouse”
Insurance Issues & Solutions
Approval: New Jersey #0310725 3 Credits
This course provides a discussion on the issues and insurance solutions for owners of condominiums, co-ops and townhouses. Participants will review the importance of governing documents and how they relate to the insurance contracts available.Coverage options will be reviewed and discussed along with techniques in dealing with the parties involved in the management of condominiums.Claims scenarios as well as settlement options will be discussed.

Success Through Underwriting - The Personal Lines Account
Approval: New Jersey #0314741 3 Credits
Advanced course for the personal account representative who wants to underwrite coverage effectively and provide coverage for the personal lines account. By utilizing the Risk Management techniques, participants will be able to identify the needs of a personal lines 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 personal lines accounts and offer possible insurance solutions to some challenges that arise. Personal lines coverage forms and endorsements generally used to provide coverage and alternative markets available for the “hard to place risks” will also be included.

The Finer Things – Personal Lines Inland Marine
Approval: New Jersey #0311627 3 Credits
This course focuses on the personal lines inland marine exposures and possible insurance solutions. Participants will discuss the need for inland marine coverage, the types of property covered and exposures to loss. Discussion will include coverage available through the homeowner and other personal lines policies, as well as the gaps, grey areas and exclusions. Participants will review inland marine coverage forms and discuss the options of insuring these types of exposures.

The Things Kids Get Us Into
Approval: New Jersey #0311628 3 Credits
This course focuses on the insurance issues relating to children and their exposures to loss. Participants will identify exposures to loss, and the insurance implications they create for their parents. A discussion of the protection afforded through the various personal lines policies and the potential business liability created. Insurance and Risk Management solutions will be discussed.

Those Hard to Place Risks - Alternative Insurance Solutions
Approval: New Jersey #0310727 3 Credits
Advanced Personal Lines course, which explores the unique issues of writing “hard to place risks”. Discussion will include the risk management techniques and underwriting and claims issues that are important for these types of risks. Using risk management techniques, insurance coverages, and alternative risk solutions participants will be able to identify and provide a comprehensive insurance program for their client.

Understanding the Affluent Market
Approval: New Jersey #0501588 3 Credits
Advanced course designed to take an in-depth look into the affluent/high-net-worth marketplace and the challenges posed by the unique exposures and lifestyles. Discussion will focus on their needs and some of the most frequently overlooked coverage gaps, as well as the underwriting and risk management issues. How to properly service the business will also be discussed.

Underwriting Personal Auto
Approval: New Jersey #0502904 3 Credits
Advanced course which focuses on utilizing strong underwriting techniques when providing automobile coverage for personal lines clients. Participants will discuss the use applications, underwriting guidelines, and risk management techniques and their importance in a successful client relationship. Discussion will also include the risk management approach of understanding the entire account instead of a mono-line approach to coordinate other coverages to reduce and/or minimize errors and omissions claims.