Multiple Dates in 2019, C.E. in some states.
Before any claim is paid, status as an “insured” must exist. Is the person or entity suffering or causing loss, injury or damage an insured? If the answer is “no,” there is no need to go any further. If “insured” status does not exist, all your hard work is wasted

Multiple Dates in 2019, C.E. in some states.
Contractor risks are unique regarding their risk profile, exposures and coverage needs. Agents must understand these unique risks, exposures and coverages to properly manage their contractor clients.

Multiple Dates in 2019, C.E. in some states.
In October 2016, Hurricane Matthew devastated Lumberton, North Carolina with record setting rainfall and subsequent flooding, the likes of which Lumberton had never seen before. Danny Cook, an agent for more than 20 years, will share his experiences of life after the storm and how you can better prepare your agency if it happens to your town.

Multiple Dates in 2019, C.E. in some states.
We cover a lot of ground in this session – five topics to be exact. But when we are through, you will be better able to explain some of the new exposures, policy issues and available options. You will also be more at ease with the so-called “disruptors."

Multiple Dates in 2019, C.E. in some states.
Insurance premiums are based upon certain exposures which cannot be definitively known at policy inception, only estimated. Since the basis of premium is only estimated, the insurer may not be paid the correct premium for the insured exposure. To assure proper premiums, a premium audit is performed after the policy period ends.

Multiple Dates in 2019, C.E. in some states.
Once the unusual characteristics of insurance contracts are understood, the rules for reading any insurance policy can be applied.

November 7, 14, and 21, 2019