NEW JERSEY COURSE DESCRIPTIONS ADDITIONAL INSURED - 3 hours/3 credits NJ Course # 0501328 Objectives: A clarification of the often misunderstood additional insured endorsements and how they affect the general liability exposures of insureds. BOILER & MACHINERY - 3 hours/3 credits Course # 311251 Objectives: Understand insurable objects and coverage afforded by the policy. The importance of safety control & cost reduction. BUSINESSOWNERS POLICY - 3 hours/3 credits Course # 311264 Objectives: Explore technical exposures, differences in the BOP forms. Where and when to use same. Included is a case study. CASUALTY FRAUD - 3 hours/3 credits Course # 311239 Objectives: Case study approach to exploring and understanding major casualty fraud indicators. Students will design a plan to combat casualty fraud. Understanding local fraud statutes adopted by NJ and PA and policy parts that address fraud. CAUSALTY FRAUD II - 3 hours/3 credits NJ Course # 500893 Objectives: Additional case studies to approach exploration and understanding of major casualty fraud indicators. Students will design a plan to combat casualty fraud. Understanding local fraud statutes adopted by NJ and PA and policy parts that address fraud. CLAIMS: AGENCY ASSISTANCE - 3 hours/3 credits Course # 311242 Objectives: Explore and learn the importance of agency claims assistance. Understand the claims process and the impact of agency claims assistance. Case study included. CLAIMS: COMPANY PRACTICES - 3 hours/3 credits Course # 311244 Objectives: Understand effective claim management strategy, examine claim-handling practices that promote cost savings and activities performed by company claims departments & case study. COMMERCIAL GENERAL LIABILITY - 3 hours/ 3 credits Course # 311267 Objectives: Understand the legal nature of liability hazards, policy coverage, important exclusions, and the pitfalls of changing from occurrence coverage to claims-made. Key endorsements and proper application of same and more. COMMERCIAL LINES UNDERWRITING - 3 hours/3 credits Course # 502454 Objectives: Understand the importance of proper commercial line classification and fair and proper pricing. Examine the need for agents/brokers to be involved with front-line underwriting. COMMERCIAL LINES ENDORSEMENTS - 3 hours/3 credits Course # 315357 Objectives: To enhance understanding of some of the more important commercial lines endorsements to help tailor client needs. CONTRACTOR CASUALTY NEEDS - 3 hours/3 credits Course # 502455 Objectives: Case study approach to exploring and understanding major contractor casualty needs. General liability, workers compensation, business auto, and crime & surety addressed. CONTRACTOR PROPERTY NEEDS - 3 hours/3 credits Course # 502456 Objectives: Case study approach to exploring and understanding major contractor property needs. Builders risk, auto physical damage, equipment floaters, loss control, business income, flood, boiler & machinery, etc. insurance needs addressed. COURT VERDICTS: P & C IMPACT - 3 hours/3 credits Course # 311246 Objectives: To explore and learn the impact of court verdicts and how insurance coverage is affected. To be in a better position to question and challenge “gray area” company claim denials. To understand how court verdicts provide agents and companies with guidelines to help prevent uninsured losses. Case study approach. CPP COMMERCIAL PROPERTY - 3 hours/3 credits Course # 311259 Objectives: How to use various forms with emphasis on Bldg & PPcoverage form. Contrasting coverage in the key cause of loss forms. Select endorsements and a case study. CRIME & SURETY - 3 hours/3 credits Course # 311250 Objectives: Understanding selected crime & surety forms. A case study to sharpen survey skills. Understanding the type of information required by the carrier to underwrite various risks. CYBER CRIME & INSURANCE - 3 hours/3 credits Course # 504701 Objectives: This course offers an understanding of what the exposure entails, and how as professionals we can be in a better position to protect our insureds. D&O/EPL RISK MANAGEMENT - 3 hours/3 credits Course # 0503834 Objectives: Addresses the recently publicized exposures along with legislation (Sarbanes-Oxley) enacted to combat exposures and challenges facing Directors & Officers. DIRECTORS & OFFICERS LIABILITY - 3 hours/3 credits Course # 11708 Objectives: Explore D & O coverage through review of the magnitude of managerial malpractice exposure, discuss possible loss control and risk transfer options and design a checklist to determine the best policy. DWELLING (89) - 3 hours/3 credits Course # 311252 Objectives: Case study approach to assess exposures, when and how the various forms should be used. Exploration of select property and liability endorsements. Dwelling policy differences versus the homeowners policy. EMPLOYMENT PRACTICES LIABILITY - 3 hours/3 credits Course # 311236 Objectives: Understand the nature of EPL and visualize the various costly scenarios in today's workplace. Discuss possible loss control and risk transfer options. ENTERPRISE RISK MANAGEMENT - 3 hours/3 credits Course # 0504232 Objectives: Discusses the process and benefits of the concept and how the industry is addressing the global challenges facing risk managers. ENVIRONMENTAL IMPAIRMENT LIABILITY - 3 hours/3 credits Course # 88892540 Objectives: Discusses EIL exposures and terminology, help understand the Agents role in identifying the client’s EIL exposures. ERRORS AND OMISSIONS - 3 hours/3 credits Course # 311258 Objectives: How to save on your E & O coverage. How to avoid costly errors & omissions by use of proper client surveys and good in-house staff education. Case study to apply concepts presented. ETHICAL AGENCY OPERATIONS - 3 hours/3 credits Course # 504637 Objectives: Course provides an insight into some of the ethical questions and problems that arise daily and addresses how they may be faced in a professional manner. ETHICAL INSURANCE ISSUES - 3 hours/3 credits Course # 88890782 Objectives: Through discussion and the use of various case studies a review of the ethical challenges faced daily in the insurance industry on both the agency and company side. Details of the best ways to respond to some of these ethical issues. ETHICS IN INSURANCE - 3 hours/3 credits Course # 311241 Objectives: To understand nature of sound agency ethics and the difference between ethics vs. legal conduct. Ethics Code set by students. Lecture plus case studies to hold student interest. EXCESS AND SURPLUS LINES - 3 hours/3 credits Course # 311253 Objectives: A technical review of selected E&S lines. How to fully utilize the E&S marketplace to enhance agency profits. To gain a full understanding of producer legal responsibilities. To examine procedures to help avoid E&O problems. Case study. FLOOD/BOATS/UMBRELLA (PERSONAL) - 3 hours/3 credits Course # 311262 Objectives: To understand the nature and some finer points of the above 3 lines. A case study to be better aware of exposures found in the three lines and how to handle same. FLOOD INSURANCE NEEDS - 3 hours/3 credits Course # 311243 Objectives: To explore and learn the needs of flood insurance via a combination of lecture and case study approach. The impact of flood court verdicts and how insurance is affected and more. FRAUD IN THE INSURANCE INDUSTRY - 3 hours/3 credits Course # 88889486 Objectives: Discussion of how fraud affects each segment of the industry. What is the agents role in identifying and deterring insurance fraud. Finally, to stimulate thinking towards a solution to the insurance fraud problem. HOMEOWNERS INSURANCE - 3 hours/3 credits Course # 311265 Objectives: To explore & learn the benefits of assessing the exposures of a case study. To understand the nature and importance of key endorsements and homeowner changes. HOMEOWNERS U/W ISSUES - 3 hours/3 credits Course # 315356 Objectives: Provides an insightful look into the hazards affecting the underwriting process which renders homeowners coverage either unaffordable or unavailable. Discusses risk control options to minimize or eliminate these hazards. INSURANCE FORENSICS - 3 hours/3 credits Course # 315355 Objectives: Provides an in-depth understanding of how forensic science and crime analysis can affect claims handling as well as future underwriting. INSURANCE INDUSTRY ETHICS - 3 hours/3 credits NJ Course # 500891 Objectives: To understand nature of sound agency ethics and the difference between ethics vs. legal conduct. Ethics Code set by students. INSURANCE INDUSTRY PROGRAMS - 3 hours/3 credits Course # 507559 Objectives: Provides a better understanding of how programs may address exposures unique to certain industries or risks. Discusses some of the various programs available and the underwriting information required to create a program. LOSS CONTROL UNRECOGNIZED POTENTIAL - 3 hours/3 credits Course # 311248 Objectives: Understand unrecognized potential of LCE. How management attitudes and employee selection affect safety. Exposures found in the various insurance lines and more. LOWERING COMMERCIAL P&C PREMIUM - 3 hours/3 credits Course # 311263 Objectives: How to lower commercial risk premium without reducing important coverage. use of Risk Management techniques. Understand how equitable premiums are determined. Case study to allow for student involvement and meaningful dialogue. MISCELLANEOUS PROFESSIONAL LIABILITY - 3 hours/3 credits NJ Course # 500854 Objectives: How to avoid costly errors & omissions by use of proper loss control methods along with good in- house staff education. A lesson in E&O cost reduction. *(New York Bridge Course) NJ BUSINESS AUTO - 3 hours/3 credits Course # 502270 Objectives: A technical review with emphasis on pitfalls to avoid. To explore and learn the benefits of assessing business auto exposures via a group case study. Selected important endorsements as well as aspects of PIP that apply to commercial auto. NJ PERSONAL AUTO REVIEW & PITFALLS - 3 hours/3 credits Course # 311249 Objectives: Technical review including understanding the nature and importance of PPA exposures. Explore select endorsements as to when and where to apply same. Case study by attendees. OCEAN MARINE CARGO - 3 hours/3 credits Course # 0502801 Objectives: To provide participants with a basic understanding of ocean marine cargo insurance and a working knowledge of the issues surrounding insuring international transit moves. The course will also outline the basic ocean cargo forms as well as description and overview of coverages. PERSONAL LINES ENDORSEMENTS - 3 hours/3 credits Course # 311245 Objectives: Combination of lecture and case study approach to involve students and maintain interest. To enhance student understanding of some of the more important homeowner and personal auto end’s to better tailor client needs. PERSONAL LINE UNDERWRITING - 3 hours/3 credits Course # 311240 Objectives: Understand the underwriting process, why avoidance of adverse selection is key, explore sources of information. Case study. PROPERTY & LIABILITY CONTRACTS - 3 hours/3 credits Course # 311247 Objectives: Technical review of the elements that underlie P&L contracts. Position attendees to better explain to clients the nature and content of P&C contracts. Use of a group workshop approach. PROPERTY FRAUD - 3 hours/3 credits Course # 311238 Objectives: Case study approach to exploring and understanding major property fraud indicators. Students will design a plan to combat property fraud. Understanding local fraud statutes adopted by NJ and PA and policy parts that address fraud. PROPERTY FRAUD II - 3 hours/3 credits NJ Course # 500892 Objectives: To explore major fraud indicators for prevention and detection purposes. Students will design a plan to combat property fraud. REINSURANCE IN TODAY'S WORLD - 3 hours/3 credits Course # 311237 Objectives: Case Study approach to explore the types of Reinsurance contracts and how they are best used. Review the methods of risk sharing and how to choose a reinsurer. RISK MANAGEMENT AND THE AGENT - 3 hours/3 credits Course # 311266 Objectives: Full understanding of the RM process. How RM concepts, objectives can be employed by agents to provide maximum coverage at lowest cost. Techniques to treat both personal and commercial loss exposures and a case study. TERRORISM INSURANCE - 3 hours/3 credits Course # 315501 Objectives: Helps provide a clearer understanding of what terrorism entails and how the industry has underwritten this exposure. Provides an understanding of T.R.I.A. WORKERS COMPENSATION - 3 hours/3 credits Course # 311268 Objectives: Provide all attendees a technical review of WC insurance with emphasis on the writing and needs of WC in NJ.