PIANJ's Annual March CE Madness- New Jersey Insurance CE

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CE course details

Mar. 28, 2012 9 a.m.-12:30 p.m. Commercial Property Claims Scenarios 2012 4 GEN (88892112) Cathy Trischan, CPCU, CIC, CRM, AU, AAI This course takes a detailed look at commercial property coverage through the analysis of various claims scenarios. With a focus on the Building and Personal Property Coverage Form, we will examine various claims and will discuss how the policy would respond. Some scenarios will include a discussion of related business income topics, and, in some cases, how to use available endorsements to close coverage gaps. Covered topics include: Debris Removal–claims scenario Covered Property–claims scenario Property Off Premises Insurable Interest Vacancy–claims scenario Ordinance or Law–claims scenario Hurricane scenario Insuring the Tenant–claims scenario

Mar. 28, 2012 9 a.m.-12:30 p.m. Top Ten Misunderstood Coverages II 4 GEN (88892103) Steven Lyon, CPCU, CIC, CRM, AAI, ARM, AIS, CRIS New issues and hot topics continue to arise in both personal and commercial lines daily. Join us as this new class explores some of the most common misunderstood coverages and problem areas in insurance today. Explore in detail issues that often lead to E&O claims and learn to close gaps to protect our agencies and our clients with proper coverage explanations and recommendations. A must for all levels of agency employees. Covered topics include: The ISO Homeowner 2000 Form and Host Liquor Liability Motor/Recreational Vehicle Coverage Off Premises Students Away at School Pedestrian Injuries and PIP Coverage Employee-Employer Auto Exposure Valet Parking of a Rental Car Loaner Cars Credit Card Fraud/FACTA ERISA Recent Supreme Court Decision Getting the Named Insured Right Margin Clause Property Insurance Flood Confusion Excess Policy – Following Form vs. Umbrella Leased Property and Tenants Improvements under the CPP Where is my Snowplowing Coverage? CGL or Auto or neither! Damage to Your Work Exclusion Medical Payments Personal Auto Issues Adequate Limits of Liability and the Consequences of not having such














Mar. 28, 2012 1:30-4:30 p.m. Data Breach-Privacy Compliance & Coverage 2012 3 GEN (88892111) Cathy Trischan, CPCU, CIC, CRM, AU, AAI Most businesses today are entrusted with confidential information provided by employees and customers. The risks to the organization, should the security of this data be compromised, are great. This course looks at the exposures faced by businesses, including some of the laws concerning privacy and information protection. We will discuss the growing number of insurance products available to address these concerns and focus on the features to look for when choosing an insurance product. Topics include: Data Breach and Identity Theft–the Problem The Law (Graham-Leach-Bliley, HIPAA, FACTA, HITECH ACT, State Security Breach Laws Protection against Data Breach Traditional Insurance Products Insurance for the Data Breach Exposure


Mar. 28, 2012 1:30-4:30 p.m. Endorsements: The Good, The Bad, and the Ugly 3 GEN (88892101) Steven Lyon, CPCU, CIC, CRM, AAI, ARM, AIS, CRIS Explore many useful personal lines and commercial lines endorsements that broaden your clients' coverage and provide you with a competitive advantage over others! Also, be able to spot and take action when “nasty” endorsements make their way onto your clients' new and renewal policies. Join us for this 3 hour class, where specific examples and remedies will be discussed. Topics include: Ten Best Endorsements Ten Worst Endorsements A Detailed Look at Commercial General Liability Endorsements A Detailed Look at Commercial Property Endorsements A Detailed Look at Business Auto Endorsements A Detailed Look at Crime Endorsements A Detailed Look at Homeowners Endorsements A Detailed Look at Personal Auto Endorsements


Mar. 28, 2012 5-8 p.m. Trends in Insurance Ethics 3 ETH (88892097) Jerry Hargrove, J.D., CIC, CPIA, SCLA, FCLA, PICS, LICS This intermediate course reviews the importance of ethical behavior in the insurance business while considering a number of dilemmas an agent/broker may face in day-to-day activities. Other topics include: Is the Agent/Broker a Professional? How Ethics Influence E & O Exposure The Retail Agent/Broker and Privacy Issues The Agent/Broker–Client Trust Relationship–What is an Agent?


Mar. 29, 2012 9 a.m.-12:30 p.m. Exploring Business Income CE TBA Steven Lyon, CPCU, CIC, CRM, AAI, ARM, AIS, CRIS Navigating the Maze of Business Income Insurance Almost 50% of businesses that suffer serious loss do not re-open. Of those that do re-open, almost half of them don't make it past the first year. Learn how to help your client survive in the event of a disaster. This often overlooked and misunderstood coverage comes into focus during this in-depth 3 hour class on Business Income and related coverages. How to determine adequate values, avoid Coinsurance penalties and recommend related coverages will be discussed. Topics include: Definition and Goals of Business Income Direct vs. Indirect Loss Indirect Loss (net income, continuing expenses, extra expense, leasehold interest, dependent properties, service/utility interruption, civil authority, electronic media and data, ordinance and law Terminology (use and occupancy, time element, business interruption, business income) After a Disaster Business Income Forms (Business Income with Extra Expense, Business Income without Extra Expense, Extra Expense, Leasehold Interest) Time Element Formula Insuring Agreement Claim Example Real Life Components of a Loss Pharmacy Claims Civil Authority Coverage Damage to Property What BI Limits should I carry? Determining Length of Shutdown Projecting Profits and Continuing Expenses Coinsurance Dependent Properties


Mar. 29, 2012 9 a.m.-12:30 p.m. CHAOS: Contracts, Hold Harmless, Additional Insureds & Other Stuff 4 GEN (88892096) Jerry Hargrove, J.D., CIC, CPIA, SCLA, FCLA, PICS, LICS This advanced course examines the belt & suspenders relationship between indemnification (“insured contracts”) and additional insured status. It includes why both are necessary and how they work together. How broad is the duty to defend an additional insured? What happens when additional insured status fails to deliver defense or coverage? What are the pros and cons of additional insured and indemnification. How does the ISO CGL address an “insured contract?” Is Waiver of Subrogation all it is cracked up to be?


Mar. 29, 2012 1:30-4:30 p.m. A.L.E.R.T. (*Agents Legal & Ethical Responsibility Training): E&O Prevention & Agency Management Practices ^FF - Denotes this course has been approved for E&O loss prevention credit by Fireman's Fund. ^UM - Denotes his course has been approved for E&O loss prevention credit by Utica Mutual. Call PIA’s E&O Department for details: (800) 424-4244. 3 GEN* (88892098) Jerry Hargrove, J.D., CIC, CPIA, SCLA, FCLA, PICS, LICS This intermediate-level course reviews agents ‘duty of care and how the exposure is increased based on what the agent does or does not do on behalf of a client. In addition, troubling areas in coverage that often lead to E & O claims and how to minimize the likelihood of litigation. The presentation will include real loss case reviews.


Mar. 29, 2012 1:30-4:30 p.m. The Lost Art of Personal Lines Renewal Review (how to provide value added service on renewal) 3 GEN (88892104) Steven Lyon, CPCU, CIC, CRM, AAI, ARM, AIS, CRIS Re-discover the value of a renewal review. Take this valuable opportunity to communicate with your insured, update coverage, make suggestions, by taking a pro-active approach to renewals. Provide that value-added service that clients expect from a professional agent by informing them of “hot topics” and new coverages available to them as well as reinforcing old ones. Not only does this allow you to keep in touch with your client, open cross-sell opportunities, and promote the agency, it also acts as a good defense should an E&O claim arise. Topics include: The Purpose of Renewal Reviews Adequate Coverage E&O Prevention Rounding Opportunities Discuss New Coverages Available Market Risk to a New Carrier – better fit for insured Generate Additional Commission Income Proper Use of Renewal Reviews Prior to Renewal During the Policy Term Renewal Review Formats Questionnaires Checklists Leases/Contracts Internet Telephone Review Direct Mailings Coverage Issues Auto Homeowners Flood Business Activities Umbrella/Excess/Neither Recreational Vehicles Excess & Surplus Lines Policies Non-Standard, may not be ISO No Automatic Renewals Exclusions A.M. Best Rating Endorsements Available Keep Your Client Happy Exceed Expectations Uncover client needs Source of referrals Bad experience travels fast