Many insureds, in both the personal lines and the commercial lines arenas, are looking for additional named insured status.  There is no such thing!

This course is directed to address those commercial lines exposures and the difference between the named insured and an additional insured.  The customer is one or the other, not both.

Most people (including the named insured, additional Insured and the insurance agent) don’t realize what they “get” and what they “don’t get” when being listed as an additional insured.

As part of the program we look how an additional insured can be included on the commercial general liability policy; the business auto policy; the workers' compensation policy as well as the umbrella/excess.

Discussion will also be had on the changes in the ISO General Liability policy from 1973 to today.

Need a comprehensive workers' com review? This coursae is for you. A history of the systemwill be explored along with defining the different coverages and how each works. 

Exposures are addressed along with the many common certificate of insurance forms being used and requested. 

Mishell is the co-owner of KJM Consulting & Training, Inc. in Munnsville, New York. KJM specializes in providing a broad range of high quality training programs to insurance agencies; insurance companies and banks throughout the north east. These programs, normally designed for Continuing Education credits, cover all areas of the insurance & banking business, providing comprehensive education at all levels in entry level insurance; customer service; Commercial Lines sales & service; Personal Lines sales & service as well as management techniques. In addition to the customized training KJM also provides consulting services focusing on E&O; Procedure Manual development and implementation; and Agency Management training techniques.

Prior to founding KJM in 2007; Mishell's insurance career began in the Personal Lines Department of a small independent insurance agency. She then worked for an AVEMCO Aviation Insurance Company; was the Insurance Benefits Analyst for Endicott Johnson Corporation; and worked as an Assistant to the Vice President of a Commercial Bank before returning to the independent insurance agency side of the business where she spent many years.

Mishell was named the 2004 National Customer Service Representative of the Year by PIA National. She was also named one of 25 Women in Leadership in New York State in 2004. Mishell graduated from Broome Community College with an Associates of Applied Science degree in Business Marketing Management.

Mishell currently holds New York State Property and Casualty Brokers and Agents Licenses; a New York State Life and Health Brokers License; a New York State Producer License to Act as a Consultant; a Certified Insurance Service Representative (CISR) designation; a Certified Insurance Counselor (CIC) designation; the Accredited Advisor of Insurance (AAI) designation; and the Federation of Insurance Professional Counselor (FIPC) designation.

A member of the Associate Faculty of Certified Insurance Counselors, Mishell is a frequent speaker for Professional Insurance Agents of New York, New Jersey, New Hampshire and Connecticut for CIC and CISR programs along with various other topics; and for the Independent Insurance Agents & Brokers of New York's Best Practices of Errors & Omission Loss Prevention along with their various other programs. Mishell is a past president of the Federation of New York Insurance Professionals and is a board member of the Insurance Professionals of the Mohawk Valley; she is the current President of the Madison County Historical Society along with being a member of the National Notary Association.