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No special equipment. No travel is necessary. No long-term time commitments required. Pick a topic of interest, register, and join. Each webinar purchase equals one seat/link which can be used solo or presented conference style for others in the agency to participate. 

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Choose your desired webinar, click on the "Register" button, and then complete the GoToWebinar fields.  You will then be redirected to process the tuition payment. Until payment is received registrations are "waiting for approval". 

Continuing education credits may be available. Rules, requirements and approvals vary by state.

Webinar questions can be sent here.​

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​​​PRESENTER:
Chris Boggs, Big "I" Virtual University Executive Director

January 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99 and remains open for second two sessions. Catch up on Jan. 17 session via recording.

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The Big "I" Virtual University's January Lightning Learning series features three 20-minute sessions dedicated to Homeowners insurance. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and receive all three 20-minute sessions including: 

January 17 – Homeowners' Policy Eligibility - VIA RECORDING

Who, or what, qualifies for one of the six Homeowners' coverage forms? The two key factors are who is occupying and what is being occupied.

After this session you will know:

  • The six eligibilities for coverage under the HO-2, HO-3, HO-5 and HO-8;
  • The four eligibility requirements for the HO-4; and
  • The two eligibility requirements for coverage under and HO-6.

January 23 – Comparing the Homeowners' Forms

How are the various HO forms different and how are they similar? In this session we:

  • Highlight ISO's six standard Homeowners coverage forms;
  • Review the causes of loss provided by each form;
  • Look at each coverage form's loss valuation method;
  • Discuss "Key Values" and other coverage grants; and
  • Introduce key endorsements.

January 30 – Who is an Insured in the HO Policy

Homeowners' policies provide coverage to four "levels" of "insured;" and the breadth of protection narrows as the "person" moves from one level to another. The four levels are:

  1. Named insureds;
  2. Automatic insureds;
  3. Extended insureds; and
  4. Additional insureds.

After this session you can explain:

  • Who qualifies as the policy's "You;"
  • How much protection is extended to the "You;"
  • What constitutes a "resident relative;" and
  • Who can be added to the Homeowners Policy as an Additional Insured?

NEW!  The Big "I" VU Lightning Learning strikes with quick and impactful learning modules!

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Catch each session live or via the link to on-demand recording. Lightning Learning is easy and cost effective with ONE registration for the ENTIRE month!

 

 

 

 

 

 

 

 

 

 

INSTRUCTOR:
John Putnam, CPCU, ARM

February 7, 2018
1:00 p.m. to 2:30 p.m. Eastern Time
Registration: $49

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This webinar seeks to dispel some misconceptions about flood insurance and answer questions like:

  • What is flood?
  • What is the current impact of increased frequency and severity of flooding events in U.S.?
  • Are we facing a new protection gap?
  • How are these trends impacting the NFIP and giving rise for increased flood insurance privatization?
  • How might greater privatization change the marketplace and improve protection?
  • How would greater privatization impact independent agents in both commercial and personal lines?
*Webinar transcript will be emailed to all registrants four to six weeks after the live event.


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Chris Boggs, Big "I" Virtual University Executive Director

February 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's February Lightning Learning series features three 20-minute sessions dedicated to Homeowners insurance. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

February 8 – "Guaranteeing" Replacement Cost in the HO Policy

ISO makes two endorsements available to "guarantee" replacement cost protection. These are the:

  • HO 04 11 – Additional Limits of Liability for Coverages A, B, C, and D
  • HO 04 20 – Specified Additional Amount of Insurance for Coverage A Dwelling


Although both forms provide some "guarantee" towards full replacement cost protection, they differ in how they affect the policies to which they are attached.  During this session we:

  • Detail both endorsements;
  • Describe how each affects coverage;
  • Explain what the insured must do to qualify for coverage under both endorsements; and
  • Explain how some agents are misusing these endorsements. 

February 15 – Special Limits of Coverage in the HO Policy

Certain types of personal property covered by the standard Homeowners' Policy are subject to specific limits of coverage. If the insured and the agent aren't aware of these "special limits," there may be too little coverage for such property. Generally, this issue isn't discovered until AFTER the loss – then it's an E&O problem.

In this session we:

  • Detail the HO's special limits;
  • Explain which limits can be increased and how; and
  • List the special limits that cannot be increased. 


February 27 – Understanding Dog Bite Rules and Statutes

More than one-third of HO claims are attributable to dog bites according to an Insurance Information Institute report. States apply different rules regarding when liability is assigned to the dog owner.

In this session we:

  • Discuss the breeds causing the most problems;
  • Detail the various rules used by the states; and
  • Look at some carrier responses.
INSTRUCTOR:
David Dybdahl, CPCU, ARM, MBA

March 14, 2018
1:00 p.m. to 2:30 p.m. Eastern Time
Registration: $49

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Many insurance buyers and sellers will find the actual effect of pollution exclusions on property and liability insurance policies to be both enlightening and unbelievable. New environmental regulations, changes in social norms and recent court decisions on denied pollution claims have brought the need for modern environmental insurance to main street USA businesses and the family farm. This course will familiarize attendees with the far-reaching effects of pollution exclusions and show how various environmental insurance products can be used to fill the resulting coverage gaps. The fun part of the class will be in the eye of the beholder.

Educational Objectives

  • Understand the underlying risk and insurance issues relating to pollution, mold and bacteria exclusions.
  • Understand how to manage common forms of contamination risks.
  • Develop an efficient working protocol to address these newly uninsured loss exposures.
  • Prevent insurance agent /broker professional errors and omissions losses.
The instructor for the class, David Dybdahl, is a 35-year insurance veteran who has served as the insurance broker on the clean-up operations of Chernobyl and as an expert witness and researcher for more than a billion dollars in litigated pollution claims.

*Webinar transcript will be emailed to all registrants four to six weeks after the live event.
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Chris Boggs, Big "I" Virtual University Executive Director

March 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's March Lightning Learning series features three 20-minute sessions dedicated to "property pimping". Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

March 7 – Reviewing the Ridesharing Endorsements

Ridesharing was the insurance industry's first major introduction to the sharing economy. The growth of Uber, Lyft and the myriad other rideshare companies required the industry to make a coverage determination and draw a coverage line in the sand.

Insurance Services Office (ISO) created three endorsements to address when the PAP ceases to provide coverage (form numbers differ by state, so only endorsement names are used). Depending on the endorsement attached, PAP coverage may cease:

  1. When the driver turns on the app;
  2. When the driver has logged in to the app but has NOT accepted a request;
  3. When the driver accepts a request, but has NOT picked up the rider; or
  4. When the driver picks up the rider.


In this session we review each of the three endorsements and which applies to what point.

March 20 – Reviewing the Home Sharing Endorsements

Airbnb, and other home sharing opportunities, hit the insurance industry about the same time as ridesharing. The difference seemed to be that the pimping of space in your house (or your entire house) was not as contentious or riddled with questions as ridesharing or car sharing.

ISO developed two endorsements for the home sharing client (endorsement numbers vary by state):

  • Home Sharing Host Activities Endorsement; and
  • Broadened Home Sharing Host Activities Endorsement.

In this session we review the unendorsed HO policy to discover how it responds to a home sharing situation and then we review each of these endorsements.

March 28 – Understanding the Other "Property Pimping" Exposures

Beyond cars and homes, your insureds are sharing (or pimping) more than you know; this among both personal lines and commercial lines clients. Do you know what your clients are sharing? Do you know how such sharing might affect or be affected by the insurance coverage?

In this session we:

  • Illuminate what is being shared; and
  • Discuss how insurance might be affected or how underwriting might change.
​INSTRUCTOR:
Coming Soon

Date
Time
Registration: 

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More details coming soon!

*Webinar transcript will be emailed to all registrants four to six weeks after the live event.


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Chris Boggs, Big "I" Virtual University Executive Director

April 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's April Lightning Learning series features three 20-minute sessions dedicated to the concept that not all business is good business. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

April 12 – Is All Business Good Business?

  • I'll save you the suspense – NO! Not all business is good business. Likewise, not all opportunities are good opportunities. There are specific signs to indicate when you should just walk away. That's what we discuss in this session – when to know you need to walk away.
  • Prepare to get miffed if not mad. But if you put aside any defensive attitude, you won't be so upset when it's over. In fact, you may see your prospect opportunities much differently (and ultimately be more successful).

April 16 – How Much "Effective" Selling Time do You Actually Have?

  • For sake of this discussion, we begin with the idea that the average producer has 2,000 available working hours per year; but not all the "available" time is spent selling. In fact, the amount of "available" selling time is much less.
  • But "available" selling time is not the same as "effective" selling time. "Effective" selling time is a function of closing ratios. (You do know your closing ratio, don't you?)
  • During this session we describe, detail and determine "effective" selling time.

April 24 – How Much New Business Do You Have to Add to Make Goal?

  • I believe the answer to this question is going to surprise you. For an agency or even a producer to accomplish a new business goal several factors must be considered: 1) retention ratio; 2) "intrinsic" book changes; 3) closing ratio; and 4) average income.
  • This session is the culmination of the previous two. When you understand that not all business is good business, you will make better use of your available selling time, improve your effective selling time and increase your chances of making your revenue goals.
INSTRUCTOR:
Daniel Cook

May 16, 2018
1:00 p.m. to 2:30 p.m. Eastern Time
Registration: $49

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More details coming soon!

*Webinar transcript will be emailed to all registrants four to six weeks after the live event.


PRESENTER:17VU_lightningLearning_textIcon-vert-green.png
Chris Boggs, Big "I" Virtual University Executive Director

May 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's May Lightning Learning series features three 20-minute sessions dedicated to the Personal Auto Policy. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

May 2 – Personal Auto Policy – Who Is Eligible?

PAP eligibility has two moving parts, who and what. Who is eligible for the PAP and what vehicles qualify for a PAP.

In this session we detail:

  • The surprising list of who is eligible for the PAP;
  • What vehicles naturally qualify for a PAP and which can be forced to qualify; and
  • Which endorsements can be used to expand eligibility.

May 9 – Who is Insured in a Personal Auto Policy?

Each of the four PAP coverage parts have separate lists of who qualifies as an insured for that particular coverage. In this session we detail:

  • The four coverage parts of the PAP;
  • The five key definitions surrounding "insured" status;
  • The three levels of "insured" status; and
  • Who is insured for what in each coverage part and at each level.

May 23 – How do You Assign the Proper Use Classification to a Personal Auto & A Word About Ride-Sharing.

ISO uses five basic "use" classifications for vehicles insured on a PAP. Assignment of the proper class code is a function of use, mileage and location. In this session we detail these classifications and the rules governing the selection of the correct class code.

Ride sharing is a relatively new exposure in the PAP world. ISO developed three endorsements to address the ride sharing exposure. In this session, we briefly review the exposures and the endorsements. ​

INSTRUCTOR:
Kevin LaCroix

June 13, 2018
1:00 p.m. to 2:30 p.m. Eastern Time
Registration: $49

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Instructor Kevin M. LaCroix has been involved in directors' and officers' liability insurance for more than 30 years.  An attorney and Executive Vice President at RT ProExec, an insurance intermediary focused exclusively on management liability issues, LaCroix began his career as a coverage attorney and partner at the Washington, D.C. law firm of Ross, Dixon and Bell. More recently, Kevin served as President of Genesis Professional Liability Managers, a D&O underwriter and part of the Berkshire Hathaway group of companies.

During this webinar, LaCroix will answer questions like:

  • What are the current claims trends in D&O liability?
  • Where is D&O liability headed?
  • What are the future claims trends?
  • What are the important D&O insurance coverage issues and policy wording issues? 
*Webinar transcript will be emailed to all registrants four to six weeks after the live event.
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Chris Boggs, Big "I" Virtual University Executive Director

June 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's June Lightning Learning series features two 20-minute sessions dedicated to HO Trust endorsements and legal liability. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend both 20-minute sessions including:

June 5 – Understanding the HO's Three Trust Endorsements

  • One entity eligible for a HO policy is a Trust. However, ISO provides three trust endorsements – which one (or two) do you use? The answer depends on the situation.
  • In this session we discuss the available endorsements and detail when each is to be used.

June 21 – How Does a "Person" Become Legally Liable

  • Liability policies respond when an insured is legally required to pay for certain damages or injuries. Legal liability is liability imposed by the courts on the person or entity responsible for the injury or damage suffered by another party or individual. Such legal obligations (or liability) can arise from intentional acts, unintentional acts or contracts (express or implied) and generally deals with civil wrongs rather than criminal wrongs.
  • In this session we detail legal liability and what is required for a person to be found legally liable. (There is a LOT more to legal liability than negligence.)
INSTRUCTOR:
Frank Pennachio

July 18, 2018
1:00 p.m. to 2:30 p.m. Eastern Time
Registration: $49

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Insurance agents are losing their influence on policy pricing. Underwriters are rolling out new tools such as artificial intelligence, machine learning, big data, and cloud computing. As a result, agents must ask themselves, "What is MY role if I am no longer able to influence pricing for my clients and prospects?"

Over the next several years, agents who disconnect their value proposition from the traditional "I can get you a great price" and relearn how to better service their clients will thrive. Those that don't will likely find there their performance levels quickly eroding.

It is not wise to try and beat the machine at the machine's game. New agent capabilities are demanded by today's marketplace, and there will be winners and losers. Do YOU want to continue to win? Now is the time to begin the process to adapt and change your game, and this webinar can help you get started on the path to success.

Instructor Frank Pennachio is partner and co-founder of Oceanus Partners, a privately held company offering revenue generating solutions for insurance professionals. Frank is an expert in the technical elements of workers' compensation, emphasizing the need for agents to understand all aspects of protecting an employers' workforce in order to provide true value. In addition, Frank is knowledgeable in agency sales and marketing strategies designed specifically to reduce reliance on contingency commissions and increase agency revenues.

*Webinar transcript will be emailed to all registrants four to six weeks after the live event.
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Chris Boggs, Big "I" Virtual University Executive Director

July 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's July Lightning Learning series features three 20-minute sessions dedicated to the Personal and Business Auto policies. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

July 10 – Insurance and Autonomous Vehicles

Autonomous vehicles are coming, the only question is when. Many evolutions and revolutions must occur before US streets are fully autonomous and everyone in the vehicle is nothing more than a passenger.

In this session we discuss:

  • The concept of "automotive generations;"
  • The steps to a fully autonomous society;
  • How legal liability changes on the way to full autonomy; and
  • What besides insurance might change.

July 24 – Applying the "Business Use Exclusion" in the Personal Auto Policy

For most PAP insureds, the business use exclusion is irrelevant. In practical application, the PAP extends coverage for the business use of a "your covered auto" provided it's not used to carry people or property for a fee (i.e., Uber or Lyft). Absent material misrepresentation in the application regarding the use of the vehicle, the PAP responds to an incident arising from most business use.

However, this is ISO language. In this session a non-ISO form is quoted – and it is very different than the ISO form – so much so that an incident covered by the ISO form is NOT covered by the proprietary form.

In this session we:

  • Detail the PAP's business use exclusion;
  • Look at the breadth of coverage in the ISO PAP because of exceptions; and
  • Highlight the differences between ISO wording and at least one proprietary policy.

July 31 – Why Personally-Owned Autos Don't Belong on the BAP

Personally-owned autos belong on a Personal Auto Policy. However, sometimes you are forced by the insured to place the individually-owned auto on the BAP. Or, you add a personally-owned auto to the BAP without knowing it.

If you are put in this position, there are certain steps you must take to avoid making a major mistake. And if these steps aren't taken – there are major gaps in coverage.

This session details how to avoid these problems.

PRESENTER:17VU_lightningLearning_textIcon-vert-green.png
Chris Boggs, Big "I" Virtual University Executive Director

August 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's August Lightning Learning series features three 20-minute sessions dedicated to contractor risks. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

August 7 – Your Insureds and Contractual Risk Transfer

Understanding contractual risk transfer is a key requirement for staying out of trouble when you insure contractor risks. But even if you don't insure construction-type operations, you will be subject to contractual risk transfer language at some point, you can count on it.

In this session we succinctly answer seven contractual risk transfer FAQs:

  1. What is contractual risk transfer?
  2. Why is contractual risk transfer necessary?
  3. What is the ideal use of contractual risk transfer?
  4. Is contractual risk transfer ever misused?
  5. Is contractual risk transfer enforceable?
  6. How does insurance respond to contractual risk transfer?
  7. What other areas are affected by contractual risk transfer requirements?

August 16 – Explaining the Total Cost of Risk (It's More Than Premiums)

When was the last time your client said, "That premium seems fair; the insurance company is getting adequate premium to cover its exposure and I'm getting the protection I need"? I doubt ever. More than likely you have heard – maybe even today - "I can't believe I have to pay out all this money. The insurance company is killing me. Can't we get this premium down?"

What the insured doesn't understand is that insurance is not about the price of insurance (which the commercials seem to tout), it is about the cost of risk.

In this session we detail the seven costs of risk insured must consider; and it is the agent's job to explain them.

August 28 – Coinsurance – Down and Dirty Explanation

Coinsurance provisions found in property policies exist primarily to assure that the insurance carrier receives adequate premium for the coverage provided. Without a coinsurance condition, and its applicable penalties, insureds might be willing to purchase an amount of coverage somewhat less than the value of the subject property because of the statistically low probability of a total loss.

In this session we dispel the myth that coinsurance is as easy as:

Did/Should x Loss – Deductible = Payment

In fact, it's a little more complicated, but just as easy to explain.

INSTRUCTOR:
Tim Dodge

September 12, 2018
1:00 p.m. to 2:30 p.m. Eastern Time
Registration: $49

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In this webinar learn how businesses can protect themselves from losses resulting from:

  • Their employees being kidnapped while traveling on company business
  • Their data being held hostage by cyber-criminals
  • Clever thieves impersonating their employees
  • Cyber crooks threatening to give their confidential emails to the media
  • and more!


*Webinar transcript will be emailed to all registrants four to six weeks after the live event.


PRESENTER:17VU_lightningLearning_textIcon-vert-green.png
Chris Boggs, Big "I" Virtual University Executive Director

September 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's September Lightning Learning series features three 20-minute sessions dedicated to the OCP, MCS-90, and liquor liability. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

September 6 – Is an OCP Worth the Premium?

An OCP is not equivalent to the CGL; its closest comparison is the coverage granted to only the additional insured when the CG 20 10 Additional Insured – Owners, Lessees or Contractors endorsement is attached to the CGL. But even coverage extended to the additional insured by the CG 20 10 is broader than the coverage offered by the OCP.

There are major gaps in the OCP leading to the question, is an OCP worth the premium?

In this session we:

  • Discuss the need for the OCP;
  • Analyze the coverages provided by the OCP; and
  • Review the gaps in coverage.

September 18 – Is the MCS-90 Broader Than the BAP

Although effective since June 1981, the MCS-90 endorsement remains a highly misunderstood form. Apparent judicial misapplications of the intended meaning and purpose of the form have added to the confusion.

The MCS-90 was designed to assure that an at-fault "for-hire" or public motor carrier could fulfill its financial responsibility to the public, regardless of the insured's failure to comply with the underlying insurance policy's terms and/or conditions. But it was not designed or intended to extend insurance protection to non-insureds or create coverage where none existed.

However, wording in the form has caused courts to expand coverage – even though this was not the intent.

In this session, we review the MCS-90, its purpose, the protection it provides and how it might be misapplied.

September 27 – Understanding Liquor Liability Laws and Coverage

Liquor liability insurance is designed first to defend the insured against charges of negligence related to the service of alcohol; and second to indemnify or pay on behalf of the insured if they are found legally liable.

Operations serving or supplying alcohol can be subject to charges of negligence when, for example, a patron or third party is injured as a result of the negligent service of alcohol or negligence in not preventing an individual from injuring a third party. Legal liability can also arise out of other negligent actions or inactions.

This session:

  • Introduces the various types of liquor/dram shop laws;
  • Discusses staff training options; and
  • Touches on the availability of liquor liability coverage.
INSTRUCTOR:
Steve Coombs

October 17, 2018
1:00 p.m. to 2:30 p.m. Eastern Time
Registration: $49

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More details coming soon!

*Webinar transcript will be emailed to all registrants four to six weeks after the live event.


PRESENTER:17VU_lightningLearning_textIcon-vert-green.png
Chris Boggs, Big "I" Virtual University Executive Director

October 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

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The Big "I" Virtual University's October Lightning Learning series features three 20-minute sessions dedicated to trick or treaters, blogging, and Ordinance or Law. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

October 10 – The Trouble with Trick or Treaters – What to Tell Your Clients

Three weeks from the date of this session, those little candy beggars will coming knocking on your and your insured's door. From a liability standpoint, would it be better to turn the light off and go someplace else to avoid any liability issues?

No, I don't want to take away your fun. Stay home and pass out all the candy you don't eat yourself.

But, I do know there are those among us who like to prank before being pranked – what about their liability?

This is the focus of this session – legal liability for injury on your premises suffered by one of the little darlings disturbing your evening. In this session we:

  • Review legal liability; and
  • Discuss whether your HO policy provides the necessary protection.

October 24 – Do Your HO Clients Blog (Or Talk Bad About ANYONE)? You Better Know

Social media has made it easier than ever for everyday citizens to ruin the life of a neighbor or a local business. Blogging, facebooking, etc. allows your insureds to spread rumors, tell lies, criticize or just blow off steam about those around them.

The ability to denigrate someone to a large audience has increased the personal injury exposure for your homeowner clients. This is easily remedied by an endorsement, but are carriers going to begin asking new questions? I don't know. But it's worth a thought.

In this session we review the personal injury exposure, the endorsement and some ideas you can pass along to your clients to help them avoid being sued.

October 31 – Ordinance or Law Problems for Homeowners

Any house not in compliance with current building codes subjects the owner to a potentially major coverage gap following a "major" loss because ISO's homeowners' policy provides only a limit amount of coverage to pay the additional costs of rebuilding a home in compliance with current building codes.

In this session we:

  • Define what constitutes a "major" loss from a building code perspective;
  • Highlight the limited amount of coverage provided by the unendorsed HO policy; and
  • Detail the HO policy Ordinance or Law endorsement.
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Chris Boggs, Big "I" Virtual University Executive Director

November 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

REGISTRATION OPENING SOON!

The Big "I" Virtual University's November Lightning Learning series features three 20-minute sessions dedicated to trailers, BAP coverage symbols, and BAP endorsements. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend all three 20-minute sessions including:

November 8 – Trailers, Trailers Everywhere – But Which Policy Provides Coverage

Amazingly, trailers is one of the most common topics asked about in the VU's Ask an Expert (AAE) service. Faculty members have answered just about every trailer-related question at least 10 times.

  • Which policy responds when?
  • Is it the BAP or PAP that responds?
  • It's a non-owned trailer being pulled by an owned auto – which policy….?

In this session we study the coverage questions surrounding trailers. We answer these and many other questions.

November 19 – Secrets Within BAP Coverage Symbols

This session introduces and details the 10 defined BAP coverage symbols and addresses some gaps created when certain symbols, or combination of symbols are used. Beyond the 10 "defined" symbols, the ability to create and use "self-defined" coverage symbols is discussed along with various endorsements that can extend coverage to certain vehicles.

Participants in this session learn:

  • Why Symbols 2+8+9 do NOT equal Symbol 1
  • The gaps created by underwriter requests
  • Why the "You" of the policy matters in relation to coverage symbols
  • Which endorsements can be used to extend coverage to "unique" autos

November 27 – Three BAP Endorsements Every Agent Should Consider

ISO offers more than 100 BAP endorsements. Out of this mass, most designed to meet the needs of a specific class of insured, there are at least four every insured should consider:

  • Employees as Insureds (CA 99 33);
  • Auto Loan/Lease Gap Coverage (CA 20 71); and
  • Rental Reimbursement (CA 99 23).

In this session we introduce and describe each of these important endorsements.

INSTRUCTOR:
Christopher J. Boggs, CPCU, ARM, ALCM, LPCS, AAI, APA, CWCA, CRIS, AINS

December 12, 2018
1:00 p.m. to 2:30 p.m. Eastern Time
Registration: $49

More details and registration information coming soon!

*Webinar transcript will be emailed to all registrants four to six weeks after the live event.


PRESENTER:17VU_lightningLearning_textIcon-vert-green.png
Chris Boggs, Big "I" Virtual University Executive Director

December 2018
All sessions begin at 11:30 a.m. Eastern Time
Registration: $9.99

REGISTRATION OPENING SOON!

The Big "I" Virtual University's December Lightning Learning series features two 20-minute sessions dedicated to "premium leakage" and exclusions. Even if you can't participate in the live sessions, you will receive a link to the on-demand recordings and can listen to them at your leisure. Register once and attend both 20-minute sessions including:

December 6 – What Does Your Underwriter Mean by "Premium Leakage"

Carriers spend many hours in underwriting meetings discussing "premium leakage." Maybe you have heard the underwriter slip up and use that term when explaining why they can't class something a certain way or why the premium cannot be altered any further. And if you didn't ask the underwriter, I bet you've asked yourself – what in the wide-open world is premium leakage?

In this session we define and remove the mystery from the concept of premium leakage. Maybe you can help the underwriter help you with this knowledge.

December 19 – Why are Exclusions Excluded?

Insurance exists to protect insureds against the economic consequences of an unforeseen, potentially catastrophic individual loss; however, P&C insurance policies are not designed to protect against every possible source of financial loss. Traditional insurance policies contain a list of incidents, causes or results not covered by the policy. Exclusions always exist, and there are reasons for each one.

In this session we:

  • Introduce the three categories of exclusions; and
  • Detail why exclusions exist.