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Schedule

Tuesday, March 8, 2016

9 a.m.-12:30 p.m. • 4 GEN (88896893)

Insurance to Value and Adequate Liability Limits (personal and commercial lines)

Steven D. Lyon, CPCU, CIC, CRM, AAI, ARM, CRIS, AIS

This classroom instructed course takes an in-depth look at insuring for the "worst case scenario" for both personal and commercial clients. A recent study indicates that 47 percent of your clients are at least 27 percent underinsured. After taking this class, we think you will agree that almost 75 percent of your clients are more than 50 percent underinsured! This class takes a look at the problems with advice we have been giving our clients for 50 years.

9 a.m.-12:30 p.m. • 4 GEN (88897203)

The Law has Changed on Flood Insurance—Can You Tell Your Clients How?

Sheldon Hansen, CIC, CRM, CPIA

This course reviews the new laws of flood insurance. Most of the Biggert-Waters Act is dismantled by the Consolidated Appropriations Act of 2014 and the Homeowners Flood Insurance Affordability Act of 2014.

This session discusses the provisions of both pieces of legislation, including that which has been delayed and that which has been reversed. Additionally, the flood manual changes that continue to bring the NFIP in compliance with the mandates of these two recent laws affecting flood insurance availability and pricing will be reviewed.

New Surcharges, policy fees and scheduled premium increases are things every agent needs to be aware of. The program concludes with the November 2015 changes to bring everyone current with notes on potential future changes. Flood insurance is a moving target being pulled at by Congress, State Insurance Departments, Insurance companies and consumer groups. Litigation has become a common remedy for Flood Claim disagreements.

1:30-4:30 p.m. • 3 GEN (88896894)

Caveat Emptor! Renting Autos: Hired and Non-Owned Coverage

Steven D. Lyon, CPCU, CIC, CRM, AAI, ARM, CRIS, AIS

Do you have clients who lease or rent vehicles? Don't miss this informative CE program! This session is all about leased, rented, borrowed, hired and furnished auto exposures. Coverage provided by both the business auto policy and the personal auto policy will be detailed. This course will also review who needs non-owned coverage and hired auto coverage.

1:30-4:30 p.m. • 3 GEN (88897280)

Advanced Data Breach and Cyber Liability Policy Forms

Sheldon Hansen, CIC, CRM, CPIA

As cyber threats continue to grow, agents must arm themselves with the knowledge that can help them protect their own agency as well as their clients' businesses. This session will discuss the latest real-world cyber losses and how small businesses have been impacted. This in-depth session then reviews specific provisions from four major carriers' cyber forms. Attendees are challenged to draw their own conclusions on how each carrier is rising to the challenge of cyber threats.

5-8 p.m. • 3 GEN (88897013)

Avoid Employee Lawsuits: Tips and Secrets to Stay Out of Court

Joel J. Greenwald, Esq.

If an employee does not exhibit your company's core state values, what are your options, especially if it is a high performing employee?

This session breaks down the legal steps involved in most general employee terminations; and explains why a solid culture may be the best risk mitigation tool you can have. It will also instruct the audience on the specific steps necessary to fire a toxic, yet high performing employee, by essentially making your culture an actionable part of your HR process.