Presentation Date Time (Central Time) Faculty Topic Title Description Mon, Aug 4 1p-5p Steve Lyon Commercial Lines Troubles and Solutions Participants examine commercial lines issues that can be troublesome for the insured. They will examine coverages and exclusions provided in the most current ISO Crime, Commercial Property, Businessowners, Commercial General Liability, and Commercial Umbrella forms. They will identify problems and issues with the National Flood Insurance Program. Thurs, Aug 7 1p-5p Patrick Hardy NEW! Evaluating a Comprehensive Crisis Management Program Effective crisis management involves a coordinated approach to minimize damage, safeguard stakeholders, restore operations, and rebuild trust in the organization. It requires careful planning, swift decision-making, clear communication, and ongoing evaluation to achieve optimal outcomes during challenging times. The session will start with an overview of crisis management plans, including essential components, required tools, and necessary training. Following this, insurance professionals will assess the effectiveness of these plans. Evaluating crisis management efforts is crucial for optimization. In this 4-hour session, participants will learn to identify and address the missing features within the program. By tracking and measuring training effectiveness, stakeholder satisfaction, activation times for crisis teams, and social media sentiment analysis, organizations can assess their performance, identify key lessons learned, and implement necessary changes needed to enhance crisis management capabilities. Ultimately, successful crisis management depends on an organization’s ability to monitor and adapt its strategies in real-time. Wed, Aug 13 10a-12p/2p-4p Chris Christian Peeking Behind the Curtain – What Makes Professional Liability Tick Participants will advance their knowledge regarding the purpose and structure of professional liability coverage and policies, as well as, gain an increased technical understanding of exposures and coverages pertinent to both traditional professionals and non-traditional classes of business. Tues, Aug 19 1p-5p Allen Messer Concepts That Affect Coverage/Liability This session will explore the various nuances within contract policy language that affect both property and liability policies. Thurs, Aug 28 10a-12p/2p-4p Sara Payne Defense Base Act Many insurance professionals are familiar with workers’ compensation insurance since it is a mandated requirement for employers in the U.S. When it comes to protections for those whose employment is not subject to state WC laws, the solutions, benefits, and methods for securing coverage are not as widely known. After attending this 4-hour session, insurance professionals will better understand the Defense Base Act (DBA). They will be able to explain what it is, what it does, who needs this unique coverage, and the claims adjudication process. They will examine the eligibility requirements, the benefits under DBA, key points of DBA administration, and remuneration. They will discuss coverage issues, such as: zone of danger, reasonable recreation doctrine, war hazards, and terrorist attacks. They will gain a basic understanding of the steps required to successfully file a DBA claim.

Presentation Date Time (Central Time) Faculty Topic Title Description Thurs, Sept 4 10a-12p/2p-4p Rick Pitts Anatomy of a Lawsuit: An Insurance and Risk Management Seminar Participants will learn how court cases are disposed of in the United States from the insurance and risk management professional’s perspective. After an overview of the legal system as it relates to the insurance business, they will learn where to look to find basic information and how to identify legal issues that might arise. They will gain an understanding of how the declaratory judgment action and preliminary injunction intersect with insurance coverage and insurance business cases. They will conclude with a discussion to the trial and the alternatives to it. Tues, Sept 9 10a-12p/2p-4p Dave Hershey NEW! Program Agreements for Large Casualty During this four-hour session, insurance professionals will gain insights into program agreements relevant to large casualty insurance agencies and companies. Participants will develop a clearer understanding of what program agreements entail and their purpose. The discussion will cover the intended audience for program agreements, from the perspectives of the insured, insurer, and agent/broker. Key components, typical characteristics, and applicable lines of coverage—such as workers’ compensation, general liability, and auto liability—will be examined. Additionally, attendees will examine key elements to check in program agreement, explore the types of collateral utilized, and get a better understanding of the collateral process and its significance in program agreements. The session will also identify policy traps that can impact losses in a program agreement. Furthermore, participants will learn the distinction between a statute of limitation and a statute of repose, along with their implications for the payment of insurance claims. Wed, Sept 17 1p-5p Casey Roberts Commercial Property, Key Items To Understand Commercial property insurance policies are fraught with a “minefield” of exclusions, limits, and conditions. Participants will identify some of the areas that could be most concerning to their insureds, especially after a loss has occurred, and examine ways to solve them. They will discuss significant issues regarding ordinance or law, additional covered property, additional building property, debris removal, pollutant clean up, rebuilding expenses following a disaster, property valuations, and loss settlements. Mon, Sept 22 1p-5p Cathy Trischan Commercial Liability Concepts Your Client Will Be Glad You Understand There are certain things every insurance producer should understand before writing commercial liability coverage for a client. What does bodily injury mean and does it include claims for emotional injury? What does the duty to defend in a CGL policy really mean and how does it work? What is the difference between subrogation and contribution, and how do our policies address waiver of subrogation? What are the possible coverage triggers under occurrence form policies, and how are costs allocated when multiple policy periods respond to a loss? How do claims made and claims made and reported policies work? Tues, Sept 30 10a-12p/2p-4p Clarissa Preston Work Comp Techniques, Trends, and Tools Insurance professionals will better understand the techniques, trends, and tools used in the workers compensation industry. They will examine how workers compensation insurance was developed and review the basic components of the current NCCI Workers Compensation policy. They will better understand underwriting – NCCI Classification Inspection Program and Experience Rating Modification Factor. They will discuss claims handling and dispute resolution. They will examine issues related to the use of independent contractors. They will discuss WC trends in legislative and legal trends, such as marijuana and its impact on the WC system. They will examine medical trends and workplace safety trends. They will discuss how natural disasters, such as COVID-19, impact the WC industry. They will discuss artificial intelligence and its impact on data collection and claims handling. They will learn about NCCI online tools that will help them better understand workers compensation.

Presentation Date Time (Central Time) Faculty Topic Title Description Thurs, Oct 2 10a-12p/2p-4p Dave Hershey Managing the Nuts & Bolts of a Diverse Risk Management Program In this session, agents will examine how to structure an insurance and risk management program for a large, complex, organization. They will learn ways to transfer risk with self-insurance, insurance, large/low deductible, self-insured retention, contractual risk transfer, and more. They will discuss ways to provide coverage for workers compensation, auto liability, general liability, marine liability, pollution liability, property, cargo, and international exposures. Mon, Oct 6 1p-5p Keith Wilts NEW! When the City and Farm Collide Recent years have seen notable changes in farming due to urban expansion, which restricts land for crop production. As a result, farms are increasingly reliant on diverse income sources and non-farm revenue. In session, Participants will explore insurance related challenges and solutions when city and farm collide. Discussions will cover zoning laws, building codes, ordinance or law coverage, and the distinctions between residential and commercial property zoning. Participants will explore how zoning and building codes affect insurance coverage, valuation, and limit considerations. They will also assess how farm partitioning, livestock, and boundary requirements influence liability insurance. The session will also examine loss exposures and coverage related to personal injury, including privacy invasion or trespass issues. Utilizing the latest ISO Farm policies, AAIS Forms, ISO Business Auto Coverage Form, and ISO Personal Auto Policy, attendees will assess coverage options under each. Tues, Oct 7 1p-5p Terry Tadlock Organizational Ethics Participants will discuss the importance of ethical behavior. They will examine the professional, legal, and ethical responsibilities in dealing with the day-to-day realities of the complex, ethical issues of the insurance industry. They will discuss the key to ethical decision making. Thurs, Oct 16 10a-12p/2p-4p Ted Kinney Common Procedural Mistakes That Land Agents in Court Participants will identify the procedural mistakes that give rise to E&O claims in insurance offices today and discuss the potential liability of each and loss control procedures. They will examine the methods that may be used to address these mistakes. Mon, Oct 20 1p-5p Richard Hart Insuring Contractors: Special Trade Contractors & Sub-Contractors This 4-hour course is tailored for insurance professionals working with small to medium-sized contractors, special trade contractors, and sub-contractors, but are not contracting specialists. It covers contracting relationships, including contract parties, legal components, and relevant licensing and state regulations. Participants will explore various exposures such as commercial property, business auto, commercial general liability, and workers’ compensation faced by various contracting sectors. Utilizing the ISO’s most current Commercial Property, Business Auto, and Commercial General Liability insurance policies, they will assess how these policies respond to the unique exposures of the contracting sector. Additionally, the course will cover NCCI’s Workers Compensation Policy, surety bonds, and controlled insurance programs (OCIPs and CCIPs). Participants will learn how to manage these issues effectively and improve their understanding of contracting-related risks. Wed, Oct 22 10a-12p/2p-4p Chappy Chapman Personal Lines Claims Issues Using a question and answer format, agents will discuss how the Personal Auto and Homeowners Policies provide or exclude coverage. Participants will discuss how the PAP provides or excludes coverage for exposures, such as: students away from school, persons living together without the benefits of marriage, personal vehicles purchased through a company owned by the insured, motorized vehicles, rental cars, and vehicles used for livery and/or delivery. They will look at how the Homeowners Policy provides or excludes coverage for identity theft, business in the home, homes put in the name of a trust, and more. Mon, Oct 27 10a-12p/2p-4p Casey Roberts Cannabis, An Evolving Topic – It’s Not Just A Drug The trend toward mainstreaming and legitimizing marijuana is here and will continue to have a significant impact on the insurance industry. With that trend comes new regulations and a huge number of insurance questions and issues. Even today, there seems to be misunderstanding about the differences between hemp and cannabis. After a brief review of the history of cannabis in the U.S., participants will discuss the legal and regulatory issues. They will learn how the 2018 Farm Bill changed the landscape and what it effectively did. Using current ISO forms, they will examine insurance coverage considerations with farm, general liability, commercial property, as well as endorsements. They will discuss other associated issues and challenges with insuring hemp and cannabis risks including banking problems, transportation, medical marijuana and workers compensation, product liability, D&O, crime, E&O and medical professional, employment practices liability, and cyber.

Presentation Date Time (Central Time) Faculty Topic Title Description Tues, Nov 4 10a-12p/2p-4p Richard Hart Agents Beware: E&O, Certificates, and Fraud Errors and omissions can lead to claims against insurance professionals. Certificates and binders often cause frustration and confusion, contributing to E&O claims. This four-hour session will cover three main topics affecting daily operations. Participants will analyze the causes of E&O claims and learn strategies for prevention. Real-life examples will be used to identify potential exposures and discuss appropriate responses if claim is made. The session will also address challenges arising from certificate of Insurance and binders, learn their importance, purpose and effective use to protect clients from unexpected and unintended exposures. Common errors in issuing Certificates and binders will be discussed, along with strategies to avoid them. Finally, the impact of insurance fraud on the U.S. economy and consumers will be examined, including specific cases involving insurance professionals and their consequences. Thurs, Nov 6 1p-5p Patrick Hardy Creating an Elite Crisis Team in Your Agency in 3 Steps We live in a “age of disasters”. Disasters are not inevitable. In this course, Learn the list of actions in crisis management plan that will be taken before, during, and after a catastrophic event that preserves lives, safeguards property, and reduces the loss of resources essential to the organization’s recovery. Insurance and risk management professionals will identify the 3 essential elements in a comprehensive emergency management program – crisis management, business continuity, and disaster recovery. You will learn the types of hazards, perils, and risks your organization could face, how to respond, who will take action, what the plan should cover, what tools are needed to implement the plan, what training is needed to prepare and how to review and assess the effect. Mon, Nov 10 1p-5p Cathy Trischan Commercial Liability Endorsements To Watch Out For Agents will examine some of the endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy. They will review several ISO endorsements and see examples of non-standard endorsements often used by insurers. In each case, they will discuss the effect that the endorsement has on the coverage that would otherwise have been afforded by the CGL Policy. Thurs, Nov 13 1p-5p Patrick Hardy Evaluating a Comprehensive Crisis Management Program Effective crisis management involves a coordinated approach to minimize damage, safeguard stakeholders, restore operations, and rebuild trust in the organization. It requires careful planning, swift decision-making, clear communication, and ongoing evaluation to achieve optimal outcomes during challenging times. The session will start with an overview of crisis management plans, including essential components, required tools, and necessary training. Following this, insurance professionals will assess the effectiveness of these plans. Evaluating crisis management efforts is crucial for optimization. In this 4-hour session, participants will learn to identify and address the missing features within the program. By tracking and measuring training effectiveness, stakeholder satisfaction, activation times for crisis teams, and social media sentiment analysis, organizations can assess their performance, identify key lessons learned, and implement necessary changes needed to enhance crisis management capabilities. Ultimately, successful crisis management depends on an organization’s ability to monitor and adapt its strategies in real-time. Mon, Nov 17 1p-5p Paula Burns Navigating Risk for Religious & Non-Profit Organizations There are risks to operating any non-profit organization, and those risks can differ in important ways from other businesses or organizations. In this session, insurance professionals will be given an overview of religious and non-profit organizations that includes their liabilities, unique exposures, and the impact of current issues to better understand the nature of the risk. They will discuss issues that make non-profits difficult to insure, as well as the challenges with obtaining and maintaining insurance. They will discuss the importance of risk management and steps in the risk management process – identification, transfer, and implementation. They will examine general risk exposures and the types of insurance available for non-profits, focusing on churches and schools – premises liability/general liability, sexual misconduct, building usage, professional liability, educators’ liability, employment practices liability, media liability, cyber liability, and special events. Wed, Nov 19 10a-12p/2p-4p Rick Goolsby Realities and Rewards of Retirement Planning Participants will gain an understanding of the need for retirement planning. They will learn how qualified plans can best provide the most cost-efficient method of accumulating retirement dollars. They will analyze various types of retirement funding mechanisms, including 401(k) plans, Individual Retirement Accounts (IRA), Roth IRA, Simplified Employee Pension plans (SEP), Savings Incentive Match Plans for Employees (SIMPLE), and Annuities. They will discuss ways to bring the retirement plan together. Thurs, Nov 20 1p-5p Allen Messer Commercial Casualty Do’s and Don’ts Commercial Casualty insurance provides critical coverage for the insured that can be modified further by endorsement. Participants will discuss some dos and don’ts when determining how best to endorse coverage to meet their client’s needs. They will examine Commercial General Liability, Business Automobile, and Workers Compensation endorsements and discuss how they can amend policy provisions, add coverage, or restrict coverage.

Presentation Date Time (Central Time) Faculty Topic Title Description Tues, Dec 2 1p-5p Terry Tadlock Commercial Insurance Issues That Cause Heartburn Using various claim situations, insurance professionals will identify some common coverage issues that create problems. They will discuss issues related to setting building limits, coinsurance, valuation, business auto symbols, drive other car coverage, damage to property, liquor liability, and loading and unloading. They will review the appropriate policy and endorsements and determine whether coverage is provided and how best to address any gaps in coverage. Thurs, Dec 4 1p-5p Steve Lyon Construction Court Cases and Issues In this session, agents will identify construction exposures that could have a significant impact on their client’s business. They will discuss faulty workmanship, general contractors, subcontractors, defective work, insurance requirements common in construction contracts and why they are important, and exclusions. Using construction court cases, they will examine the exposures, coverage issues, gaps, and pitfalls with traditional property and casualty insurance policies and explore possible insurance solutions to these unique risks. Mon, Dec 8 1p-5p Jerry Kennedy Personal Lines Hot Topics Participants will learn how the Personal Automobile Policy relates to rental cars, use of company cars for personal use, and use of personal autos for business purposes. They will understand the unendorsed Personal Automobile Policy coverage limitations on electronic equipment, custom accessories, and vehicle valuation, and know how to address them. They will review exposures from catastrophic events and the loss issues that result. They will examine identity theft exposure and how the Homeowners Policy can be endorsed to provide protection. They will learn the proper way to insure condominiums, including adequate insurance limits, coverage, and protection from loss assessments. Mon, Dec 15 1p-5p Cathy Trischan Insuring the Building Project: Builders Risk and Installation Floater Agents will discuss how to insure building projects using Builders Risk Coverage forms. They will identify some of the pitfalls to using Commercial Property policies to cover construction and renovation projects. They will review key features to look for in a Builders Risk Policy and discuss how to examine important conditions and exclusions related to coverage. They will learn how to use the Installation Floater to meet the needs of trade contractors involved in building projects.

Date & Time (CENTRAL TIME) Faculty Topic Thursday, January 15 1p-5p Allen Messer Ramblings Of An Insurance Nerd In this session insurance professionals will examine coverages in current ISO personal and commercial lines policies that could have a significant impact on their clients. They will take an in-depth look at how the ISO Personal Auto, Homeowners, Business Auto, Commercial General Liability, Building & Personal Property Coverage, Cyber, Employment Practices Liability, and Excess/Umbrella policies address complex and confusing exposures, such as: using a personal vehicle for business, furnished company car, who is an insured, watercraft, recreational vehicles, loss assessment, business websites, biometrics, tenant’s improvements and betterments, step-down auto liability limits, maintaining underlying limits, insurable interest, and representations/warranties, etc. They will discuss the exposures, whether or not the personal and/or commercial insurance policies provide adequate coverage, endorsements, and other methods that may be needed to tailor coverages to meet their client’s needs. Wednesday, January 21 10a-12p/2p-4p Chris Christian Is Your Insured Driving a State-of-the-Art EPL Policy? In this session, agents will learn the differences between EPL policies and the practical effects of those differences on various exposures and classes of business; including the areas of exposure for independent contractors, leased employees, volunteers, and the various third-party coverages. Monday, January 26 1p-5p Jerry Kennedy Ethics You Can Use (Only Approved for 3-Hrs ETH in MD) Participants will examine the professional, legal, and ethical responsibilities in dealing with the day-to-day realities of the complex, ethical issues of the insurance industry. They will compare and be able to explain the difference between legal and ethical responsibilities and discuss the foundations of ethical behavior. They will review court cases dealing with the agent as a “professional” along with the agent’s duty to the customer, insurer, and peers. Using a series of case scenarios, they will be able to identify what constitutes an ethical dilemma and apply the ethical principles discussed in this session to determine the right course of action. Wednesday, January 28 1p-5p Terry Tadlock Commercial Insurance Issues That Cause Heartburn Using various claim situations, insurance professionals will identify some common coverage issues that create problems. They will discuss issues related to setting building limits, coinsurance, valuation, business auto symbols, drive other car coverage, damage to property, liquor liability, and loading and unloading. They will review the appropriate policy and endorsements and determine whether coverage is provided and how best to address any gaps in coverage.

Date & Time (CENTRAL TIME) Faculty Topic Thursday, February 5 10a-12p/2p-4p Mike Edwards NEW! Advanced Truck Insurance This 4-hour advanced session equips insurance professionals with a comprehensive introduction to insuring trucking and transportations risks. They will explore various types of trucking operations, freight classifications, transportation modes, and regulatory frameworks. Friday, February 6 1p-5p Steve Lyon Contractual Liability Confusion The objective of this 4-hour session is to help insurance professionals better understand contractual liability coverage. After an overview of contractual risk transfer, they will identify contract issues encountered when entering into hold-harmless agreements, indemnification agreements, leases, and construction contracts. They will discuss various categories of indemnity agreements including why some may be void and unenforceable, potential defenses to indemnity, and the mechanics of third party over actions. Specific issues related to Additional Insured status will be examined and alternative ways to minimize insurance coverage conflicts will be discussed. They will discuss waiver of subrogation versus waiver of all rights of recovery. Using straightforward examples, they will be able to apply these principles to ever more complex situations and enhance their overall command of an often-misunderstood aspect of contractual liability. Wednesday, February 11 1p-5p Keith Wilts When the City and Farm Collide Recent years have seen notable changes in farming due to urban expansion, which restricts land for crop production. As a result, farms are increasingly reliant on diverse income sources and non-farm revenue. In session, Participants will explore insurance related challenges and solutions when city and farm collide. Discussions will cover zoning laws, building codes, ordinance or law coverage, and the distinctions between residential and commercial property zoning. Participants will explore how zoning and building codes affect insurance coverage, valuation, and limit considerations. They will also assess how farm partitioning, livestock, and boundary requirements influence liability insurance. The session will also examine loss exposures and coverage related to personal injury, including privacy invasion or trespass issues. Utilizing the latest ISO Farm policies, AAIS Forms, ISO Business Auto Coverage Form, and ISO Personal Auto Policy, attendees will assess coverage options under each. Friday, February 13 1p-5p Cathy Trischan Who’s Covered? Insureds and Additional Insureds In this 4-hour session, insurance professionals will learn who is covered as an insured under some of the most commonly written commercial insurance policies. They will learn which persons and entities are automatically covered by the insurance contract. They will examine the methods used to add coverage for others. They will discuss who is covered and who can be covered under Commercial Property, Business Auto, Workers Compensation, and Commercial General Liability (CGL) policies. They will review insurer proprietary endorsements that can be used to provide additional insured coverage under the CGL policy. They will explore the issue of primary and noncontributory coverage for additional insureds under both the CGL and Excess Liability policies. Thursday, February 19 10a-12p/2p-4p Richard Hart Insuring Contractors: Special Trade Contractors & Sub-Contractors This 4-hour course is tailored for insurance professionals working with small to medium-sized contractors, special trade contractors, and sub-contractors, but are not contracting specialists. It covers contracting relationships, including contract parties, legal components, and relevant licensing and state regulations. Participants will explore various exposures such as commercial property, business auto, commercial general liability, and workers’ compensation faced by various contracting sectors. Utilizing the ISO’s most current Commercial Property, Business Auto, and Commercial General Liability insurance policies, they will assess how these policies respond to the unique exposures of the contracting sector. Additionally, the course will cover NCCI’s Workers Compensation Policy, surety bonds, and controlled insurance programs (OCIPs and CCIPs). Participants will learn how to manage these issues effectively and improve their understanding of contracting-related risks. Tuesday, February 24 10a-12p/2p-4p Jeff Craig Diversifying Revenue for P&C Producers: Mining Life, Disability, & Long-Term Care Opportunities Participants will discuss the opportunities for non-independent insurance agents to penetrate the life insurance marketplace. They will explore how to serve as the risk manager for clients by becoming more multi-line oriented. They will examine the specific tools the p/c agent can use to uncover life insurance needs for existing clients or prospects. They will better understand how various life and health concepts can be used with existing business owners. They will discuss the purpose of a Buy-Sell Agreement and Key Person Insurance. They will learn how to use life insurance to insure the key person, how a 162 Bonus Plan can benefit the key person and the employer, how a buy-sell agreement can protect the business and the business owners, and more.

Date & Time (CENTRAL TIME) Faculty Topic Wednesday, March 4 10a-12p/2p-4p Daniel Fink Hospitality Insurance – Insuring Hotels, Restaurants & Taverns Hotels, restaurants, resorts, taverns, and other hospitality properties are susceptible to significant loss exposures. No industry was hit harder by COVID-19 than the hospitality industry. In this session, you will examine the property risks including real and intangible property, owned and leased space, business income, and extra expense. You discuss liability risks from guests, entertainers, general public, owners, franchisors, and employees. You will learn about the use of technology in the hospitality industry and the resulting exposures. You will identify the issues encountered when insuring hospitality risks, learn how to address these issues, and understand the coverage enhancements important to any hospitality type risk. Tuesday, March 10 10a-12p/2p-4p Craig Stanovich A Detailed Review of Provisions of the CGL Participants will explore the changes in the latest CGL Policy and discuss how the current changes impact the coverage. They will review the insuring agreement and discuss the trigger theories that are typically applied to progressive injury or damage claims. They will examine the theories of loss allocation as applied by the courts when multiple CGL policies are triggered. Participants will be able to apply suggested coverage solutions to potential coverage gaps. They will complete a detailed review of the other insurance clause, including when and how it applies, and an examination of products-completed operations. Wednesday, March 18 1p-5p Patrick Hardy Evaluating a Comprehensive Crisis Management Program Effective crisis management involves a coordinated approach to minimize damage, safeguard stakeholders, restore operations, and rebuild trust in the organization. It requires careful planning, swift decision-making, clear communication, and ongoing evaluation to achieve optimal outcomes during challenging times. The session will start with an overview of crisis management plans, including essential components, required tools, and necessary training. Following this, insurance professionals will assess the effectiveness of these plans. Evaluating crisis management efforts is crucial for optimization. In this 4-hour session, participants will learn to identify and address the missing features within the program. By tracking and measuring training effectiveness, stakeholder satisfaction, activation times for crisis teams, and social media sentiment analysis, organizations can assess their performance, identify key lessons learned, and implement necessary changes needed to enhance crisis management capabilities. Ultimately, successful crisis management depends on an organization’s ability to monitor and adapt its strategies in real-time. Thursday, March 26 1p-5p Jerry Kennedy Personal Lines Hot Topics Participants will learn how the Personal Automobile Policy relates to rental cars, use of company cars for personal use, and use of personal autos for business purposes. They will understand the unendorsed Personal Automobile Policy coverage limitations on electronic equipment, custom accessories, and vehicle valuation, and know how to address them. They will review exposures from catastrophic events and the loss issues that result. They will examine identity theft exposure and how the Homeowners Policy can be endorsed to provide protection. They will learn the proper way to insure condominiums, including adequate insurance limits, coverage, and protection from loss assessments. Tuesday, March 31 10a-12p/2p-4p Dave Hershey Program Agreements for Large Casualty During this four-hour session, insurance professionals will gain insights into program agreements relevant to large casualty insurance agencies and companies. Participants will develop a clearer understanding of what program agreements entail and their purpose. The discussion will cover the intended audience for program agreements, from the perspectives of the insured, insurer, and agent/broker. Key components, typical characteristics, and applicable lines of coverage—such as workers’ compensation, general liability, and auto liability—will be examined. Additionally, attendees will examine key elements to check in program agreement, explore the types of collateral utilized, and get a better understanding of the collateral process and its significance in program agreements. The session will also identify policy traps that can impact losses in a program agreement. Furthermore, participants will learn the distinction between a statute of limitation and a statute of repose, along with their implications for the payment of insurance claims.

Date & Time (CENTRAL TIME) Faculty Topic Wednesday, April 8 10a-12p/2p-4p Paula Burns Navigating Risk for Religious & Non-Profit Organizations There are risks to operating any non-profit organization, and those risks can differ in important ways from other businesses or organizations. In this session, insurance professionals will be given an overview of religious and non-profit organizations that includes their liabilities, unique exposures, and the impact of current issues to better understand the nature of the risk. They will discuss issues that make non-profits difficult to insure, as well as the challenges with obtaining and maintaining insurance. They will discuss the importance of risk management and steps in the risk management process – identification, transfer, and implementation. They will examine general risk exposures and the types of insurance available for non-profits, focusing on churches and schools – premises liability/general liability, sexual misconduct, building usage, professional liability, educators’ liability, employment practices liability, media liability, cyber liability, and special events. Tuesday, April 14 1p-5p Keith Wilts Home-Based Businesses: Where Personal Ends & Commercial Begins Insurance professionals will examine property and liability insurance exposures and risk management considerations when insuring home-based businesses and clients who work remotely. They will be able to identify general and unique exposures to loss, types of in-home businesses, risk management considerations, and methods of insuring exposures. They will review the protection provided in the latest edition of personal and commercial lines insurance policies including ISO Homeowners, ISO Personal Automobile, Personal Umbrella, ISO Business Auto Coverage, and ISO Businessowners. They will examine ISO endorsements designed to address the exposures of home-based business. They will discuss in-home business “hybrid” programs. They will identify coverage dilemmas and discuss ways to modify the standard policy and broaden coverage to meet their clients’ needs. Friday, April 17 10a-12p/2p-4p LaToya Maddox Retirement Landmines Three major issues for anyone planning for retirement are senior healthcare, long term care and generating retirement income. This program discusses in detail the important decisions that both retirees and those planning for retirement must make when developing a retirement plan. Thursday, April 23 1p-5p John Brunette Inland Marine Insurance This 4-hour course will provide participants with an overview of the Nationwide Marine Definition and the distinction between controlled and uncontrolled inland marine lines. They will identify and examine current coverage issues, problems, and trends associated with key commercial inland marine coverages. They will discuss property in transit, owners vs. carriers vs. transportation, warehouse legal liability, construction and installation exposures, and technology. They will learn how a typical inland marine policy is constructed including covered property, property not covered, common coverage extensions, covered causes of loss, and other provisions. They will examine key features in the transportation forms, contractors’ equipment policies, warehouse legal liability policy forms, and technology forms. Wednesday, April 29 1p-5p Cathy Trischan CGL Coverage for the Contractor – Key Coverage Issues In this 4-hour session, insurance professionals will learn the key coverage features in the ISO Commercial General Liability (CGL) policy that are most important for their contracting clients. They will discuss the Bodily Injury and Property Damage Liability Insuring agreement and the exclusions most important to contractors. They will explore various ways that insurers can modify, enhance, and/or restrict coverage with the use of endorsements.

Date & Time (CENTRAL TIME) Faculty Topic Monday, May 4 1p-5p Allen Messer Commercial Property Casualty Issues & Answers Every insurance agency needs a formal method for exposure identification to better serve their clients. Every insurance agency should establish coverage standards. Coverage standards include needed coverages and endorsements and avoided endorsements. In this 4-hour session, participants will identify current commercial coverage issues that could have a significant impact on their commercial client’s business, agency, or organization. They will discuss the exposures, coverage issues, and gaps with traditional insurance policies – Commercial Property Policy, Commercial General Liability Policy, Business Automobile Policy Coverage Form, Workers Compensation and Employers Liability Insurance Policy, and Excess Liability/Commercial Umbrella. They will discuss coverages provided in each policy, as well as endorsements that may be needed to further tailor coverages to the specific exposures. Thursday, May 7 10a-12p/2p-4p Mike Smith Practical Yacht Insurance This session is designed to give participants a practical understanding of yacht and boat insurance policies unique coverages, exclusions, and warranties. They will learn terminology associated with boats and understand the basic underwriting criteria, philosophy, and market structure. They will examine the differences between marine insurance and standard P&C coverages, the losses associated with boats, and risk management techniques with emphasis on Error & Omission risk management. Wednesday, May 13 1p-5p Terry Tadlock Organizational Culture The Solution To Creating An Ethical And Productive Agency Participants will discuss the importance of ethical behavior. What is it? Why is it important? How does an insurance agency develop it and incorporate it in the remote workforce? In this session, participants will review the professional, legal, and ethical responsibilities in dealing with the day-to-day realities of the complex, ethical issues of the insurance industry. They will discuss the key to ethical decision making. They will examine how to create an ethical team environment in the insurance agency. Tuesday, May 19 10a-12p/2p-4p Sara Payne Defense Base Act Many insurance professionals are familiar with workers’ compensation insurance since it is a mandated requirement for employers in the U.S. When it comes to protections for those whose employment is not subject to state WC laws, the solutions, benefits, and methods for securing coverage are not as widely known. After attending this 4-hour session, insurance professionals will better understand the Defense Base Act (DBA). They will be able to explain what it is, what it does, who needs this unique coverage, and the claims adjudication process. They will examine the eligibility requirements, the benefits under DBA, key points of DBA administration, and remuneration. They will discuss coverage issues, such as: zone of danger, reasonable recreation doctrine, war hazards, and terrorist attacks. They will gain a basic understanding of the steps required to successfully file a DBA claim. Thursday, May 28 1p-5p Steve Lyon Proceed With Caution…Your Client Purchased a Condominium Participants will analyze significant issues encountered when writing commercial and residential condominium coverage. This 4-hour session begins with an overview of the Champlain Towers South collapse in Surfside, Florida – the facts, the potential causes, the demolition/debris removal/cleanup, the insurance claims, and who is responsible for insurance coverage. Agents will focus on the agreement (bylaws) and the exposure it creates for the association, Board members, and unit owners. Using real-life case scenarios, they will identify the best insurance methods to protect those individuals. They will review coverage and exclusions provided in D&O policies and the latest edition of the ISO Homeowners policies. They will examine the differences between the HO 00 06 (Homeowners 6 – Unit-Owners Form) and HO 00 03 (Homeowners 3 – Special Form). They will discuss ways to close coverage gaps and examine possible solutions to better serve their clients.

Date & Time (CENTRAL TIME) Faculty Topic Wednesday, June 3 10a-12p/2p-4p Clarissa Preston Work Comp Techniques, Trends, and Tools Insurance professionals will better understand the techniques, trends, and tools used in the workers compensation industry. They will examine how workers compensation insurance was developed and review the basic components of the current NCCI Workers Compensation policy. They will better understand underwriting – NCCI Classification Inspection Program and Experience Rating Modification Factor. They will discuss claims handling and dispute resolution. They will examine issues related to the use of independent contractors. They will discuss WC trends in legislative and legal trends, such as marijuana and its impact on the WC system. They will examine medical trends and workplace safety trends. They will discuss how natural disasters, such as COVID-19, impact the WC industry. They will discuss artificial intelligence and its impact on data collection and claims handling. They will learn about NCCI online tools that will help them better understand workers compensation. Friday, June 5 10a-12p/2p-4p Frank Costa The Cannabis Industry The cannabis industry is gradually moving toward mainstream acceptance and will continue to have a significant impact on the insurance industry. With that trend comes a new marketplace, new regulations, and a vast number of insurance questions and issues. After a review of the history of cannabis in the U.S., participants will discuss the legal and regulatory issues with legalization. They will discuss the pros and cons for legalization and the challenges surrounding legalization. They will identify the insurance risks in the cannabis industry. They will discuss the insurance coverage considerations with products liability, D&O liability, general liability, commercial property, commercial auto, employment practices liability, cyber liability, personal injury/media liability, and more. They will examine the challenges for insurers in the cannabis industry. Tuesday, June 9 1p-5p Bettye Hutchison Keep on Truckin’ Participants will examine information on trucking industry regulatory and compliance issues, insurance coverage forms, and endorsements. They will gain a better understanding of specialty carrier’s non-standard forms. Thursday, June 11 10a-12p/2p-4p Chris Christian Healthcare Opportunities, Exposures and Coverages for the Non-Specialist Agent Participants will understand how healthcare risks differ from those of other industries and learn about the wide variety of healthcare-related operations. They will discuss how malpractice coverage functions for medical professionals, how underwriters evaluate and rate risks, and what coverages are most pertinent to healthcare providers and related entities. Tuesday, June 16 1p-5p Casey Roberts Technology Trends and Other Changes in Agribusiness and Insurance So much has changed…this isn’t your daddy’s way of farming. In this session, participants look at what these changes mean to the farmer, and how they need to be considered and addressed by those insurance professionals working with these Ag accounts. They will review drone technology for farms and agribusinesses, the current regulatory environment, and the risk management and insurance challenges and opportunities. They will examine the current growth of the agritourism industry, its impact on traditional farm coverage, and the proper methods to manage the various risks including applicable insurance. They will learn about precision farming and understand the myriad issues surrounding its increased use. They will be able to distinguish between farm management and custom farming and examine the risk management and insurance implications of each. Wednesday, June 24 10a-12p/2p-4p Kate Norris The World of Family Office and the Risk Management Issues That Arise Agents will take an in-depth look at the risk management needs of family offices, specifically; specifically Directors & Officers Coverage, Kidnap, Ransom and Extortion Coverage, and other methods of protection for families of exceptional wealth. Monday, June 29 10a-12p/2p-4p Neil Kaplan Protecting Wine Collections – An Insurance Perspective Identify the reasons for providing the necessary insurance coverage for their high-net-worth client’s collections the challenges associated with this unique exposure. Understand valuation issues, appraisal practices, and use actual scenarios to examine the damage assessment process.

Date & Time (CENTRAL TIME) Faculty Topic Wednesday, July 8 10a-12p/2p-4p Bob Ford An Exploration of the Property Casualty Side of Farming Things are changing quickly in how farms are operated. Farming is turning more everyday into an ongoing commercial lines business. In this session, participants will look at what these changes mean to the farm operator, examine the new farm exposures, and determine how to put together an insurance program that fits the farm operator’s needs. They will explore farmers liability issues when an injury occurs to a farm employee and when an injury occurs when driving or towing a farm implement. They will look at farming and contractual issues for operations other than traditional farming. Wednesday, July 15 1p-5p Terry Tadlock Commercial Insurance Issues That Cause Heartburn Using various claim situations, insurance professionals will identify some common coverage issues that create problems. They will discuss issues related to setting building limits, coinsurance, valuation, business auto symbols, drive other car coverage, damage to property, liquor liability, and loading and unloading. They will review the appropriate policy and endorsements and determine whether coverage is provided and how best to address any gaps in coverage. Friday, July 17 10a-12p/2p-4p Crystal Uebelher Deposition Success in Five Steps In this 4-hour session, agents will explore the purposes of depositions and how to prepare themselves or their clients to successfully represent their position. Using a premises liability lawsuit case study, they will examine how lawsuits begin, the parties to a lawsuit, rules of civil procedure, and remedies to successful lawsuits. Tuesday, July 21 10a-12p/2p-4p Charlotte Hicks Today’s Insurance Agency: Adapting to an Online World While the core fundamentals of insurance have not changed over the centuries, the tools used by insurance agents certainly have. Today’s customer journey often starts online instead of contacting an agent to be their trusted advisor. InsurTech startups such as Lemonade, Pie Insurance, and Next Insurance have changed the way the insurance product is delivered, as well as the coverage clients receive. In this session, participants will explore how they can leverage the digital tools available to them to attract clients, meet their insurance needs, and minimize errors and omissions risk. Thursday, July 23 1p-5p Ted Kinney Exploring Personal Auto Claims & Coverage Scenarios Using various case scenarios, adjusters will review the most current ISO Personal Auto Policy and endorsements to determine if the loss or situation is covered. They will discuss the claims and coverage scenarios, determine if the loss or situation is covered, and identify endorsements that may be needed to cover or expand coverage for the exposure. They will examine how the PAP provides or excludes coverage for exposures, such as: replacement vehicles, roommates driving covered autos, truck rental for personal use, hitting an animal, sunken car leaking oil in a lake, newly acquired autos, unlisted vehicles, vehicles used for livery and/or delivery, rental car, loading and unloading a vehicle, driving for Uber, death of a foster child, named insureds and divorce, and more. They will identify the problems and discuss possible solutions to better serve their clients. Monday, July 27 1p-5p Allen Messer Misery Awaits! Additional Insureds & Certificates of Insurance Certificates of insurance and the related issue of additional insureds are often sources of confusion and E&O claims for the insurance professional. In this session, insurance professionals will discuss additional insureds in-depth – types of insureds, how they work, how coverage is limited, and common problems that can arise. They will gain a better understanding of how the named insured status relates to commercial general liability, business auto, and property insurance. For each policy type, they will discuss why an additional endorsement may be needed and the impact on the coverage. They will learn the importance of a certificate of insurance and how to use it properly. Using specific ACORD certificate of insurance forms (ACORD 24, 25, 23, 27, and 28), they will examine the purpose of the certificate, critical things to consider before issuing a certificate, how to properly use certificates of insurance, and identify ways to avoid some of the common problems and errors. Wednesday, July 29 10a-12p/2p-4p Rick Pitts Bonds from A to Z From a small, one-time commercial bond to the multiple bond needs of a contractor, the insurance professional must be ready to answer questions for the insured. Contract or commercial? Bid bond or payment bond? With so many types of surety bonds, it can be overwhelming to understand what the client needs. In this 4-hour session, participants will learn the basics of bonding – what do bonds do, why they are important, and who needs them. They will take an in-depth look at construction bonds, bid bonds, and performance and payment bonds. They will learn about other types of bonds including Fiduciary and ERISA bonds, public officials bonds, and license bonds. They will be able to explain how bonds and insurance differ – who they protect, how much they cost, and how claims work for each one.

Date & Time (CENTRAL TIME) Faculty Topic Tuesday, August 4 1p-5p Cathy Trischan Doing the Right Thing: Ethics for Insurance Producers Participants will examine the relationship between ethics and the choices insurance professionals make to protect their agencies against errors and omissions. They will discuss the ethical responsibilities of insurance producers, different approaches to decision making, and factors that determine the standard of care. Using real-life ethical dilemmas, they will look at some of the situations faced by insurance producers from ethical and E&O perspectives. Friday, August 7 10a-12p/2p-4p Chris Christian Cyber Exposures: Resistance Is Futile In today’s highly-automated, web-connected world, nearly all businesses are at risk of harm due to the loss, misuse, or corruption of their data or systems. Products have evolved to cover many exposures. These products are categorized as “cyber-insurance” coverages, and they address a broad and variable range of causes of loss from data reconstruction to business interruption to extortion threats, to regulatory investigations, liability to third parties and more. These coverages are complex and are changing and expanding rapidly. In this session, agents will gain a basic working knowledge of the terminology and concepts specific to “cyber-insurance”. They will better understand the bases of “cyber” exposures. Agents will be able to identify and apply the solutions available to address these exposures, including critical coverage elements and common mistakes made when placing this insurance. Wednesday, August 12 1p-5p Sam Bennett Personal Lines and The Sharing Economy Participants will examine the concerns that exist when clients offer property and/or use property of others via popular web-enabled services such as VRBO, Couchsurf, Airbnb, and similar platforms. They will explore the most commonly used Homeowners Coverage forms, Personal Auto Policy, Recreational Vehicle Coverage forms, Watercraft policies, and the endorsements that can be used to provide coverage for these unique exposures. They will better understand the coverage issues that may arise when these items are shared with others. Thursday, August 13 10a-12p/2p-4p Mike Edwards NEW! Advanced Truck Insurance This 4-hour advanced session equips insurance professionals with a comprehensive introduction to insuring trucking and transportations risks. They will explore various types of trucking operations, freight classifications, transportation modes, and regulatory frameworks. Monday, August 17 1p-5p Steve Lyon Diagnosing Issues in the CGL Policy This session explores the variety of liability exposures and the insurance coverage designed to address these specific concerns. They will discuss the differences that exist between occurrence and claims-made triggers, the allocation of loss payments that span multiple policies, and how to remedy the coverage gaps that are presented by some of the GL exclusions. Friday, August 28 1p-5p Casey Roberts Cannabis, An Evolving Topic – It’s Not Just A Drug The trend toward mainstreaming and legitimizing marijuana is here and will continue to have a significant impact on the insurance industry. With that trend comes new regulations and a huge number of insurance questions and issues. Even today, there seems to be misunderstanding about the differences between hemp and cannabis. After a brief review of the history of cannabis in the U.S., participants will discuss the legal and regulatory issues. They will learn how the 2018 Farm Bill changed the landscape and what it effectively did. Using current ISO forms, they will examine insurance coverage considerations with farm, general liability, commercial property, as well as endorsements. They will discuss other associated issues and challenges with insuring hemp and cannabis risks including banking problems, transportation, medical marijuana and workers compensation, product liability, D&O, crime, E&O and medical professional, employment practices liability, and cyber.

Date & Time (CENTRAL TIME) Faculty Topic Tuesday, September 1 1p-5p Richard Hart Agents Beware: E&O, Certificates, and Fraud Errors and omissions can lead to claims against insurance professionals. Certificates and binders often cause frustration and confusion, contributing to E&O claims. This four-hour session will cover three main topics affecting daily operations. Participants will analyze the causes of E&O claims and learn strategies for prevention. Real-life examples will be used to identify potential exposures and discuss appropriate responses if claim is made. The session will also address challenges arising from certificate of Insurance and binders, learn their importance, purpose and effective use to protect clients from unexpected and unintended exposures. Common errors in issuing Certificates and binders will be discussed, along with strategies to avoid them. Finally, the impact of insurance fraud on the U.S. economy and consumers will be examined, including specific cases involving insurance professionals and their consequences. Thursday, September 10 10a-12p/2p-4p Chris Christian Construction Risk – What’s not in the CGL The potential for professional liability claims may seem apparent when considering services such as engineering or construction management. In this 4-hour session, insurance professionals will explore exposures beyond the typical commercial general liability, workers compensation, and commercial auto exposures in the construction industry. They will examine the types of coverages for ancillary exposures, such as: contractors pollution, contingent pollution, contractors professional liability, rectification costs coverage, protective indemnity coverage, network security/privacy liability, technology, faulty workmanship, etc. They will identify emerging risks that could have a significant impact on the construction industry, such as: automated/autonomous construction machinery, robotics, drones, and artificial intelligence. They will discuss the exposures, coverage issues, and gaps with traditional insurance policies and explore possible solutions to these emerging and unique risks. Friday, September 18 10a-12p/2p-4p Lance Ewing Emerging Risks in Changing Times Preparing for new and emerging risks can be a full-time job for the insurance professional. Technology, nature, terrorism, artificial intelligence, human and economic developments are rapidly changing the risk landscape and the insurance environment. In this session, you will identify those emerging risks that could have a significant impact on your client’s business, their agency or organization, or even their career. Using an interactive and breakout approach, you will learn how to prepare for what “will” happen rather than “what” happened. Tuesday, September 22 1p-5p Ross Pearce Challenges Correctly Covering Condos & Cars Participants will analyze significant issues encountered when writing residential condominium coverage. They will examine coverages and exclusions provided in the latest edition of the Homeowners 6 – Unit-Owners Form. They will discuss key definitions and examine the differences between the HO 00 06 and HO 00 03 (Homeowners 3 – Special Form). They will discuss ways to close coverage gaps using HO endorsements and examine possible solutions to better serve their clients. They will discuss the challenges with providing insurance coverage for Transportation Network Companies (TNCs), electric bikes and scooters, and autonomous driving vehicles. They will review coverage issues, as to what is or is not covered by the PAP and explore potential solutions to fill the gaps to better serve their insureds. Wednesday, September 30 1p-5p Patrick Hardy Creating an Elite Crisis Team in Your Agency in 3 Steps We live in an age of disasters. Disasters are not inevitable. In this course, Learn the list of actions in crisis management plan that will be taken before, during, and after a catastrophic event that preserves lives, safeguards property, and reduces the loss of resources essential to the organization’s recovery. Insurance and risk management professionals will identify the 3 essential elements in a comprehensive emergency management program – crisis management, business continuity, and disaster recovery. You will learn the types of hazards, perils, and risks your organization could face, how to respond, who will take action, what the plan should cover, what tools are needed to implement the plan, what training is needed to prepare and how to review and assess the effect.

Date & Time (CENTRAL TIME) Faculty Topic Friday, October 2 1p-5p Jerry Kennedy Ethics You Can Use (Only Approved for 3-Hrs ETH in MD) Participants will examine the professional, legal, and ethical responsibilities in dealing with the day-to-day realities of the complex, ethical issues of the insurance industry. They will compare and be able to explain the difference between legal and ethical responsibilities and discuss the foundations of ethical behavior. They will review court cases dealing with the agent as a “professional” along with the agent’s duty to the customer, insurer, and peers. Using a series of case scenarios, they will be able to identify what constitutes an ethical dilemma and apply the ethical principles discussed in this session to determine the right course of action. Tuesday, October 6 10a-12p/2p-4p Chris Christian Cyber Crime This class examines the risk management strategies necessary to minimize cyber attacks. Agents will learn about insurance coverage solutions in order to better understand the concepts and exposures related to the cyber crime industry. Thursday, October 15 1p-5p Cathy Trischan Commercial Liability Endorsements To Watch Out For Agents will examine some of the endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy. They will review several ISO endorsements and see examples of non-standard endorsements often used by insurers. In each case, they will discuss the effect that the endorsement has on the coverage that would otherwise have been afforded by the CGL Policy. Wednesday, October 21 1p-5p Casey Roberts Personal Lines, Issues We Need To Understand In this session, participants will explore significant concerns found within the ISO Personal Automobile and Homeowners policies – such as ownership, liability, and loss assessment coverage – and develop ways to explain them to their clients. Monday, October 26 1p-5p Allen Messer Named Insureds, Automatic Insureds & Non-Automatic Insureds Participants will examine the status of Named Insureds, Automatic Insureds, and Non-Automatic Insureds in the Commercial General Liability and Business Auto Coverage Forms. They will learn the primary reasons for adding Additional Insureds, as well as the advantages and disadvantages. For each policy, a brief discussion of who is an insured is necessary to the understanding of why the additional insured endorsement may be needed and how it changes coverage. Wednesday, October 28 10a-12p/2p-4p Chappy Chapman Personal Lines Claims Issues Using a question and answer format, agents will discuss how the Personal Auto and Homeowners Policies provide or exclude coverage. Participants will discuss how the PAP provides or excludes coverage for exposures, such as: students away from school, persons living together without the benefits of marriage, personal vehicles purchased through a company owned by the insured, motorized vehicles, rental cars, and vehicles used for livery and/or delivery. They will look at how the Homeowners Policy provides or excludes coverage for identity theft, business in the home, homes put in the name of a trust, and more.

Date & Time (CENTRAL TIME) Faculty Topic Tuesday, November 3 10a-12p/2p-4p Clarissa Preston Work Comp Techniques, Trends, and Tools Insurance professionals will better understand the techniques, trends, and tools used in the workers compensation industry. They will examine how workers compensation insurance was developed and review the basic components of the current NCCI Workers Compensation policy. They will better understand underwriting – NCCI Classification Inspection Program and Experience Rating Modification Factor. They will discuss claims handling and dispute resolution. They will examine issues related to the use of independent contractors. They will discuss WC trends in legislative and legal trends, such as marijuana and its impact on the WC system. They will examine medical trends and workplace safety trends. They will discuss how natural disasters, such as COVID-19, impact the WC industry. They will discuss artificial intelligence and its impact on data collection and claims handling. They will learn about NCCI online tools that will help them better understand workers compensation. Thursday, November 5 1p-5p Sam Bennett Transportation Exposures of the Agriculture Client This session will examine the transportation exposures faced by agricultural risks. Agents will review mobile equipment coverages found in farm liability forms; coverage for owned and non-owned vehicles under the Personal Auto Policy (PAP); and auto coverages available under the Business Auto Policy (BAP). Friday, November 13 10a-12p/2p-4p Dave Hershey Managing the Nuts & Bolts of a Diverse Risk Management Program In this session, agents will examine how to structure an insurance and risk management program for a large, complex, organization. They will learn ways to transfer risk with self-insurance, insurance, large/low deductible, self-insured retention, contractual risk transfer, and more. They will discuss ways to provide coverage for workers compensation, auto liability, general liability, marine liability, pollution liability, property, cargo, and international exposures. Monday, November 16 1p-5p Steve Lyon Understanding Occurrence and Claims-Made Triggers In this session, agents will review the occurrence and claims-made forms and examine the difference in coverage triggers. They will be able to explain the difference between the pure claims made and the more common claims-made and reported forms of coverage. Using real-life examples and court cases, they will identify coverage gaps and discuss ways to avoid them. They will have a better understanding of the Commercial General Liability Occurrence and Claims-Made coverage forms, including the advantages and disadvantages of each. Wednesday, November 18 1p-5p Ted Kinney An Insurance Agent’s Standard of Care: What is Your Legal Duty to Your Insureds? An insurance agent owes a duty to use reasonable diligence and care in conducting business with insureds and insurers. In this session, participants will better understand the types of agents and the types of agency authority. They will discuss reasons for lawsuits by companies, by insureds, and by third parties. Using case studies, they will identify common mistakes agents can make that could lead to E&O claims and then recommend solutions to avoid them.

Date & Time (CENTRAL TIME) Faculty Topic Wednesday, December 2 1p-5p John Dismukes Are These Personal Lines Losses Covered? In this session, participants will use real claim examples to discuss problems and possible solutions to Homeowners Policy exclusions that limit or remove coverage for dwellings rented to others, personal liability, co-habitation, motorized vehicles, home-sharing, and ownerships. Participants will also discuss ISO Personal Auto Policy exclusions for furnished vehicles, non-owned autos, and various uses. Friday, December 4 10a-12p/2p-4p Crystal Uebelher You’ve Been Served – What To Expect When You Are Served Using a hypothetical insurance case study, participants will gain an understanding of the stages of the investigation and litigation including the importance of the insured’s participation in the process. Key policy terms that provide the insurance carrier with tools to successfully investigate and defend lawsuits against insureds will be examined and discussed. Monday, December 7 10a-12p/2p-4p Paula Burns Navigating Risk for Religious & Non-Profit Organizations There are risks to operating any non-profit organization, and those risks can differ in important ways from other businesses or organizations. In this session, insurance professionals will be given an overview of religious and non-profit organizations that includes their liabilities, unique exposures, and the impact of current issues to better understand the nature of the risk. They will discuss issues that make non-profits difficult to insure, as well as the challenges with obtaining and maintaining insurance. They will discuss the importance of risk management and steps in the risk management process – identification, transfer, and implementation. They will examine general risk exposures and the types of insurance available for non-profits, focusing on churches and schools – premises liability/general liability, sexual misconduct, building usage, professional liability, educators’ liability, employment practices liability, media liability, cyber liability, and special events. Thursday, December 10 1p-5p Ross Pearce Gaps in Homeowner’s Policies Due to Changes in Family Dynamics Participants will discuss new and current homeowner’s issues that insureds face today due to the changes in family dynamics. They will examine coverages and exclusions provided in the latest edition of the Homeowners Policy. Using real-life scenarios, they will learn how the Homeowners Policy provides or excludes coverage for exposures, such as: residence premises, tiny houses, persons living together, other structures on premises, homes rented to others, aircraft (drones), electric bikes and scooters, ordinance or law, and personal liability claims. They will discuss the exposures, whether the Homeowners Policy provides adequate coverage for the exposures, ways to close the coverage gaps using endorsements, and other possible solutions to better serve their clients.

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2025 MEGA Schedule

August 2025

Presentation Date	Time (Central Time)	Faculty	Topic Title	Description
Mon, Aug 4	1p-5p	Steve Lyon	Commercial Lines Troubles and Solutions	Participants examine commercial lines issues that can be troublesome for the insured. They will examine coverages and exclusions provided in the most current ISO Crime, Commercial Property, Businessowners, Commercial General Liability, and Commercial Umbrella forms. They will identify problems and issues with the National Flood Insurance Program.
Thurs, Aug 7	1p-5p	Patrick Hardy	NEW! Evaluating a Comprehensive Crisis Management Program	Effective crisis management involves a coordinated approach to minimize damage, safeguard stakeholders, restore operations, and rebuild trust in the organization. It requires careful planning, swift decision-making, clear communication, and ongoing evaluation to achieve optimal outcomes during challenging times. The session will start with an overview of crisis management plans, including essential components, required tools, and necessary training. Following this, insurance professionals will assess the effectiveness of these plans. Evaluating crisis management efforts is crucial for optimization. In this 4-hour session, participants will learn to identify and address the missing features within the program. By tracking and measuring training effectiveness, stakeholder satisfaction, activation times for crisis teams, and social media sentiment analysis, organizations can assess their performance, identify key lessons learned, and implement necessary changes needed to enhance crisis management capabilities. Ultimately, successful crisis management depends on an organization’s ability to monitor and adapt its strategies in real-time.
Wed, Aug 13	10a-12p/2p-4p	Chris Christian	Peeking Behind the Curtain – What Makes Professional Liability Tick	Participants will advance their knowledge regarding the purpose and structure of professional liability coverage and policies, as well as, gain an increased technical understanding of exposures and coverages pertinent to both traditional professionals and non-traditional classes of business.
Tues, Aug 19	1p-5p	Allen Messer	Concepts That Affect Coverage/Liability	This session will explore the various nuances within contract policy language that affect both property and liability policies.
Thurs, Aug 28	10a-12p/2p-4p	Sara Payne	Defense Base Act	Many insurance professionals are familiar with workers’ compensation insurance since it is a mandated requirement for employers in the U.S. When it comes to protections for those whose employment is not subject to state WC laws, the solutions, benefits, and methods for securing coverage are not as widely known. After attending this 4-hour session, insurance professionals will better understand the Defense Base Act (DBA). They will be able to explain what it is, what it does, who needs this unique coverage, and the claims adjudication process. They will examine the eligibility requirements, the benefits under DBA, key points of DBA administration, and remuneration. They will discuss coverage issues, such as: zone of danger, reasonable recreation doctrine, war hazards, and terrorist attacks. They will gain a basic understanding of the steps required to successfully file a DBA claim.

September 2025

Presentation Date	Time (Central Time)	Faculty	Topic Title	Description
Thurs, Sept 4	10a-12p/2p-4p	Rick Pitts	Anatomy of a Lawsuit: An Insurance and Risk Management Seminar	Participants will learn how court cases are disposed of in the United States from the insurance and risk management professional’s perspective. After an overview of the legal system as it relates to the insurance business, they will learn where to look to find basic information and how to identify legal issues that might arise. They will gain an understanding of how the declaratory judgment action and preliminary injunction intersect with insurance coverage and insurance business cases. They will conclude with a discussion to the trial and the alternatives to it.
Tues, Sept 9	10a-12p/2p-4p	Dave Hershey	NEW! Program Agreements for Large Casualty	During this four-hour session, insurance professionals will gain insights into program agreements relevant to large casualty insurance agencies and companies. Participants will develop a clearer understanding of what program agreements entail and their purpose. The discussion will cover the intended audience for program agreements, from the perspectives of the insured, insurer, and agent/broker. Key components, typical characteristics, and applicable lines of coverage—such as workers’ compensation, general liability, and auto liability—will be examined. Additionally, attendees will examine key elements to check in program agreement, explore the types of collateral utilized, and get a better understanding of the collateral process and its significance in program agreements. The session will also identify policy traps that can impact losses in a program agreement. Furthermore, participants will learn the distinction between a statute of limitation and a statute of repose, along with their implications for the payment of insurance claims.
Wed, Sept 17	1p-5p	Casey Roberts	Commercial Property, Key Items To Understand	Commercial property insurance policies are fraught with a “minefield” of exclusions, limits, and conditions. Participants will identify some of the areas that could be most concerning to their insureds, especially after a loss has occurred, and examine ways to solve them. They will discuss significant issues regarding ordinance or law, additional covered property, additional building property, debris removal, pollutant clean up, rebuilding expenses following a disaster, property valuations, and loss settlements.
Mon, Sept 22	1p-5p	Cathy Trischan	Commercial Liability Concepts Your Client Will Be Glad You Understand	There are certain things every insurance producer should understand before writing commercial liability coverage for a client. What does bodily injury mean and does it include claims for emotional injury? What does the duty to defend in a CGL policy really mean and how does it work? What is the difference between subrogation and contribution, and how do our policies address waiver of subrogation? What are the possible coverage triggers under occurrence form policies, and how are costs allocated when multiple policy periods respond to a loss? How do claims made and claims made and reported policies work?
Tues, Sept 30	10a-12p/2p-4p	Clarissa Preston	Work Comp Techniques, Trends, and Tools	Insurance professionals will better understand the techniques, trends, and tools used in the workers compensation industry. They will examine how workers compensation insurance was developed and review the basic components of the current NCCI Workers Compensation policy. They will better understand underwriting – NCCI Classification Inspection Program and Experience Rating Modification Factor. They will discuss claims handling and dispute resolution. They will examine issues related to the use of independent contractors. They will discuss WC trends in legislative and legal trends, such as marijuana and its impact on the WC system. They will examine medical trends and workplace safety trends. They will discuss how natural disasters, such as COVID-19, impact the WC industry. They will discuss artificial intelligence and its impact on data collection and claims handling. They will learn about NCCI online tools that will help them better understand workers compensation.

October 2025

Presentation Date	Time (Central Time)	Faculty	Topic Title	Description
Thurs, Oct 2	10a-12p/2p-4p	Dave Hershey	Managing the Nuts & Bolts of a Diverse Risk Management Program	In this session, agents will examine how to structure an insurance and risk management program for a large, complex, organization. They will learn ways to transfer risk with self-insurance, insurance, large/low deductible, self-insured retention, contractual risk transfer, and more. They will discuss ways to provide coverage for workers compensation, auto liability, general liability, marine liability, pollution liability, property, cargo, and international exposures.
Mon, Oct 6	1p-5p	Keith Wilts	NEW! When the City and Farm Collide	Recent years have seen notable changes in farming due to urban expansion, which restricts land for crop production. As a result, farms are increasingly reliant on diverse income sources and non-farm revenue. In session, Participants will explore insurance related challenges and solutions when city and farm collide. Discussions will cover zoning laws, building codes, ordinance or law coverage, and the distinctions between residential and commercial property zoning. Participants will explore how zoning and building codes affect insurance coverage, valuation, and limit considerations. They will also assess how farm partitioning, livestock, and boundary requirements influence liability insurance. The session will also examine loss exposures and coverage related to personal injury, including privacy invasion or trespass issues. Utilizing the latest ISO Farm policies, AAIS Forms, ISO Business Auto Coverage Form, and ISO Personal Auto Policy, attendees will assess coverage options under each.
Tues, Oct 7	1p-5p	Terry Tadlock	Organizational Ethics	Participants will discuss the importance of ethical behavior. They will examine the professional, legal, and ethical responsibilities in dealing with the day-to-day realities of the complex, ethical issues of the insurance industry. They will discuss the key to ethical decision making.
Thurs, Oct 16	10a-12p/2p-4p	Ted Kinney	Common Procedural Mistakes That Land Agents in Court	Participants will identify the procedural mistakes that give rise to E&O claims in insurance offices today and discuss the potential liability of each and loss control procedures. They will examine the methods that may be used to address these mistakes.
Mon, Oct 20	1p-5p	Richard Hart	Insuring Contractors: Special Trade Contractors & Sub-Contractors	This 4-hour course is tailored for insurance professionals working with small to medium-sized contractors, special trade contractors, and sub-contractors, but are not contracting specialists. It covers contracting relationships, including contract parties, legal components, and relevant licensing and state regulations. Participants will explore various exposures such as commercial property, business auto, commercial general liability, and workers’ compensation faced by various contracting sectors. Utilizing the ISO’s most current Commercial Property, Business Auto, and Commercial General Liability insurance policies, they will assess how these policies respond to the unique exposures of the contracting sector. Additionally, the course will cover NCCI’s Workers Compensation Policy, surety bonds, and controlled insurance programs (OCIPs and CCIPs). Participants will learn how to manage these issues effectively and improve their understanding of contracting-related risks.
Wed, Oct 22	10a-12p/2p-4p	Chappy Chapman	Personal Lines Claims Issues	Using a question and answer format, agents will discuss how the Personal Auto and Homeowners Policies provide or exclude coverage. Participants will discuss how the PAP provides or excludes coverage for exposures, such as: students away from school, persons living together without the benefits of marriage, personal vehicles purchased through a company owned by the insured, motorized vehicles, rental cars, and vehicles used for livery and/or delivery. They will look at how the Homeowners Policy provides or excludes coverage for identity theft, business in the home, homes put in the name of a trust, and more.
Mon, Oct 27	10a-12p/2p-4p	Casey Roberts	Cannabis, An Evolving Topic – It’s Not Just A Drug	The trend toward mainstreaming and legitimizing marijuana is here and will continue to have a significant impact on the insurance industry. With that trend comes new regulations and a huge number of insurance questions and issues. Even today, there seems to be misunderstanding about the differences between hemp and cannabis. After a brief review of the history of cannabis in the U.S., participants will discuss the legal and regulatory issues. They will learn how the 2018 Farm Bill changed the landscape and what it effectively did. Using current ISO forms, they will examine insurance coverage considerations with farm, general liability, commercial property, as well as endorsements. They will discuss other associated issues and challenges with insuring hemp and cannabis risks including banking problems, transportation, medical marijuana and workers compensation, product liability, D&O, crime, E&O and medical professional, employment practices liability, and cyber.

November 2025

Presentation Date	Time (Central Time)	Faculty	Topic Title	Description
Tues, Nov 4	10a-12p/2p-4p	Richard Hart	Agents Beware: E&O, Certificates, and Fraud	Errors and omissions can lead to claims against insurance professionals. Certificates and binders often cause frustration and confusion, contributing to E&O claims. This four-hour session will cover three main topics affecting daily operations. Participants will analyze the causes of E&O claims and learn strategies for prevention. Real-life examples will be used to identify potential exposures and discuss appropriate responses if claim is made. The session will also address challenges arising from certificate of Insurance and binders, learn their importance, purpose and effective use to protect clients from unexpected and unintended exposures. Common errors in issuing Certificates and binders will be discussed, along with strategies to avoid them. Finally, the impact of insurance fraud on the U.S. economy and consumers will be examined, including specific cases involving insurance professionals and their consequences.
Thurs, Nov 6	1p-5p	Patrick Hardy	Creating an Elite Crisis Team in Your Agency in 3 Steps	We live in a “age of disasters”. Disasters are not inevitable. In this course, Learn the list of actions in crisis management plan that will be taken before, during, and after a catastrophic event that preserves lives, safeguards property, and reduces the loss of resources essential to the organization’s recovery. Insurance and risk management professionals will identify the 3 essential elements in a comprehensive emergency management program – crisis management, business continuity, and disaster recovery. You will learn the types of hazards, perils, and risks your organization could face, how to respond, who will take action, what the plan should cover, what tools are needed to implement the plan, what training is needed to prepare and how to review and assess the effect.
Mon, Nov 10	1p-5p	Cathy Trischan	Commercial Liability Endorsements To Watch Out For	Agents will examine some of the endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy. They will review several ISO endorsements and see examples of non-standard endorsements often used by insurers. In each case, they will discuss the effect that the endorsement has on the coverage that would otherwise have been afforded by the CGL Policy.
Thurs, Nov 13	1p-5p	Patrick Hardy	Evaluating a Comprehensive Crisis Management Program	Effective crisis management involves a coordinated approach to minimize damage, safeguard stakeholders, restore operations, and rebuild trust in the organization. It requires careful planning, swift decision-making, clear communication, and ongoing evaluation to achieve optimal outcomes during challenging times. The session will start with an overview of crisis management plans, including essential components, required tools, and necessary training. Following this, insurance professionals will assess the effectiveness of these plans. Evaluating crisis management efforts is crucial for optimization. In this 4-hour session, participants will learn to identify and address the missing features within the program. By tracking and measuring training effectiveness, stakeholder satisfaction, activation times for crisis teams, and social media sentiment analysis, organizations can assess their performance, identify key lessons learned, and implement necessary changes needed to enhance crisis management capabilities. Ultimately, successful crisis management depends on an organization’s ability to monitor and adapt its strategies in real-time.
Mon, Nov 17	1p-5p	Paula Burns	Navigating Risk for Religious & Non-Profit Organizations	There are risks to operating any non-profit organization, and those risks can differ in important ways from other businesses or organizations. In this session, insurance professionals will be given an overview of religious and non-profit organizations that includes their liabilities, unique exposures, and the impact of current issues to better understand the nature of the risk. They will discuss issues that make non-profits difficult to insure, as well as the challenges with obtaining and maintaining insurance. They will discuss the importance of risk management and steps in the risk management process – identification, transfer, and implementation. They will examine general risk exposures and the types of insurance available for non-profits, focusing on churches and schools – premises liability/general liability, sexual misconduct, building usage, professional liability, educators’ liability, employment practices liability, media liability, cyber liability, and special events.
Wed, Nov 19	10a-12p/2p-4p	Rick Goolsby	Realities and Rewards of Retirement Planning	Participants will gain an understanding of the need for retirement planning. They will learn how qualified plans can best provide the most cost-efficient method of accumulating retirement dollars. They will analyze various types of retirement funding mechanisms, including 401(k) plans, Individual Retirement Accounts (IRA), Roth IRA, Simplified Employee Pension plans (SEP), Savings Incentive Match Plans for Employees (SIMPLE), and Annuities. They will discuss ways to bring the retirement plan together.
Thurs, Nov 20	1p-5p	Allen Messer	Commercial Casualty Do’s and Don’ts	Commercial Casualty insurance provides critical coverage for the insured that can be modified further by endorsement. Participants will discuss some dos and don’ts when determining how best to endorse coverage to meet their client’s needs. They will examine Commercial General Liability, Business Automobile, and Workers Compensation endorsements and discuss how they can amend policy provisions, add coverage, or restrict coverage.

December 2025

Presentation Date	Time (Central Time)	Faculty	Topic Title	Description
Tues, Dec 2	1p-5p	Terry Tadlock	Commercial Insurance Issues That Cause Heartburn	Using various claim situations, insurance professionals will identify some common coverage issues that create problems. They will discuss issues related to setting building limits, coinsurance, valuation, business auto symbols, drive other car coverage, damage to property, liquor liability, and loading and unloading. They will review the appropriate policy and endorsements and determine whether coverage is provided and how best to address any gaps in coverage.
Thurs, Dec 4	1p-5p	Steve Lyon	Construction Court Cases and Issues	In this session, agents will identify construction exposures that could have a significant impact on their client’s business. They will discuss faulty workmanship, general contractors, subcontractors, defective work, insurance requirements common in construction contracts and why they are important, and exclusions. Using construction court cases, they will examine the exposures, coverage issues, gaps, and pitfalls with traditional property and casualty insurance policies and explore possible insurance solutions to these unique risks.
Mon, Dec 8	1p-5p	Jerry Kennedy	Personal Lines Hot Topics	Participants will learn how the Personal Automobile Policy relates to rental cars, use of company cars for personal use, and use of personal autos for business purposes. They will understand the unendorsed Personal Automobile Policy coverage limitations on electronic equipment, custom accessories, and vehicle valuation, and know how to address them. They will review exposures from catastrophic events and the loss issues that result. They will examine identity theft exposure and how the Homeowners Policy can be endorsed to provide protection. They will learn the proper way to insure condominiums, including adequate insurance limits, coverage, and protection from loss assessments.
Mon, Dec 15	1p-5p	Cathy Trischan	Insuring the Building Project: Builders Risk and Installation Floater	Agents will discuss how to insure building projects using Builders Risk Coverage forms. They will identify some of the pitfalls to using Commercial Property policies to cover construction and renovation projects. They will review key features to look for in a Builders Risk Policy and discuss how to examine important conditions and exclusions related to coverage. They will learn how to use the Installation Floater to meet the needs of trade contractors involved in building projects.

All Webinars are Presented in Central Time.

2026 MEGA Schedule

January 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Thursday, January 15 1p-5p	Allen Messer	Ramblings Of An Insurance Nerd In this session insurance professionals will examine coverages in current ISO personal and commercial lines policies that could have a significant impact on their clients. They will take an in-depth look at how the ISO Personal Auto, Homeowners, Business Auto, Commercial General Liability, Building & Personal Property Coverage, Cyber, Employment Practices Liability, and Excess/Umbrella policies address complex and confusing exposures, such as: using a personal vehicle for business, furnished company car, who is an insured, watercraft, recreational vehicles, loss assessment, business websites, biometrics, tenant’s improvements and betterments, step-down auto liability limits, maintaining underlying limits, insurable interest, and representations/warranties, etc. They will discuss the exposures, whether or not the personal and/or commercial insurance policies provide adequate coverage, endorsements, and other methods that may be needed to tailor coverages to meet their client’s needs.
Wednesday, January 21 10a-12p/2p-4p	Chris Christian	Is Your Insured Driving a State-of-the-Art EPL Policy? In this session, agents will learn the differences between EPL policies and the practical effects of those differences on various exposures and classes of business; including the areas of exposure for independent contractors, leased employees, volunteers, and the various third-party coverages.
Monday, January 26 1p-5p	Jerry Kennedy	Ethics You Can Use (Only Approved for 3-Hrs ETH in MD) Participants will examine the professional, legal, and ethical responsibilities in dealing with the day-to-day realities of the complex, ethical issues of the insurance industry. They will compare and be able to explain the difference between legal and ethical responsibilities and discuss the foundations of ethical behavior. They will review court cases dealing with the agent as a “professional” along with the agent’s duty to the customer, insurer, and peers. Using a series of case scenarios, they will be able to identify what constitutes an ethical dilemma and apply the ethical principles discussed in this session to determine the right course of action.
Wednesday, January 28 1p-5p	Terry Tadlock	Commercial Insurance Issues That Cause Heartburn Using various claim situations, insurance professionals will identify some common coverage issues that create problems. They will discuss issues related to setting building limits, coinsurance, valuation, business auto symbols, drive other car coverage, damage to property, liquor liability, and loading and unloading. They will review the appropriate policy and endorsements and determine whether coverage is provided and how best to address any gaps in coverage.

February 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Thursday, February 5 10a-12p/2p-4p	Mike Edwards	NEW! Advanced Truck Insurance This 4-hour advanced session equips insurance professionals with a comprehensive introduction to insuring trucking and transportations risks. They will explore various types of trucking operations, freight classifications, transportation modes, and regulatory frameworks.
Friday, February 6 1p-5p	Steve Lyon	Contractual Liability Confusion The objective of this 4-hour session is to help insurance professionals better understand contractual liability coverage. After an overview of contractual risk transfer, they will identify contract issues encountered when entering into hold-harmless agreements, indemnification agreements, leases, and construction contracts. They will discuss various categories of indemnity agreements including why some may be void and unenforceable, potential defenses to indemnity, and the mechanics of third party over actions. Specific issues related to Additional Insured status will be examined and alternative ways to minimize insurance coverage conflicts will be discussed. They will discuss waiver of subrogation versus waiver of all rights of recovery. Using straightforward examples, they will be able to apply these principles to ever more complex situations and enhance their overall command of an often-misunderstood aspect of contractual liability.
Wednesday, February 11 1p-5p	Keith Wilts	When the City and Farm Collide Recent years have seen notable changes in farming due to urban expansion, which restricts land for crop production. As a result, farms are increasingly reliant on diverse income sources and non-farm revenue. In session, Participants will explore insurance related challenges and solutions when city and farm collide. Discussions will cover zoning laws, building codes, ordinance or law coverage, and the distinctions between residential and commercial property zoning. Participants will explore how zoning and building codes affect insurance coverage, valuation, and limit considerations. They will also assess how farm partitioning, livestock, and boundary requirements influence liability insurance. The session will also examine loss exposures and coverage related to personal injury, including privacy invasion or trespass issues. Utilizing the latest ISO Farm policies, AAIS Forms, ISO Business Auto Coverage Form, and ISO Personal Auto Policy, attendees will assess coverage options under each.
Friday, February 13 1p-5p	Cathy Trischan	Who’s Covered? Insureds and Additional Insureds In this 4-hour session, insurance professionals will learn who is covered as an insured under some of the most commonly written commercial insurance policies. They will learn which persons and entities are automatically covered by the insurance contract. They will examine the methods used to add coverage for others. They will discuss who is covered and who can be covered under Commercial Property, Business Auto, Workers Compensation, and Commercial General Liability (CGL) policies. They will review insurer proprietary endorsements that can be used to provide additional insured coverage under the CGL policy. They will explore the issue of primary and noncontributory coverage for additional insureds under both the CGL and Excess Liability policies.
Thursday, February 19 10a-12p/2p-4p	Richard Hart	Insuring Contractors: Special Trade Contractors & Sub-Contractors This 4-hour course is tailored for insurance professionals working with small to medium-sized contractors, special trade contractors, and sub-contractors, but are not contracting specialists. It covers contracting relationships, including contract parties, legal components, and relevant licensing and state regulations. Participants will explore various exposures such as commercial property, business auto, commercial general liability, and workers’ compensation faced by various contracting sectors. Utilizing the ISO’s most current Commercial Property, Business Auto, and Commercial General Liability insurance policies, they will assess how these policies respond to the unique exposures of the contracting sector. Additionally, the course will cover NCCI’s Workers Compensation Policy, surety bonds, and controlled insurance programs (OCIPs and CCIPs). Participants will learn how to manage these issues effectively and improve their understanding of contracting-related risks.
Tuesday, February 24 10a-12p/2p-4p	Jeff Craig	Diversifying Revenue for P&C Producers: Mining Life, Disability, & Long-Term Care Opportunities Participants will discuss the opportunities for non-independent insurance agents to penetrate the life insurance marketplace. They will explore how to serve as the risk manager for clients by becoming more multi-line oriented. They will examine the specific tools the p/c agent can use to uncover life insurance needs for existing clients or prospects. They will better understand how various life and health concepts can be used with existing business owners. They will discuss the purpose of a Buy-Sell Agreement and Key Person Insurance. They will learn how to use life insurance to insure the key person, how a 162 Bonus Plan can benefit the key person and the employer, how a buy-sell agreement can protect the business and the business owners, and more.

March 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Wednesday, March 4 10a-12p/2p-4p	Daniel Fink	Hospitality Insurance – Insuring Hotels, Restaurants & Taverns Hotels, restaurants, resorts, taverns, and other hospitality properties are susceptible to significant loss exposures. No industry was hit harder by COVID-19 than the hospitality industry. In this session, you will examine the property risks including real and intangible property, owned and leased space, business income, and extra expense. You discuss liability risks from guests, entertainers, general public, owners, franchisors, and employees. You will learn about the use of technology in the hospitality industry and the resulting exposures. You will identify the issues encountered when insuring hospitality risks, learn how to address these issues, and understand the coverage enhancements important to any hospitality type risk.
Tuesday, March 10 10a-12p/2p-4p	Craig Stanovich	A Detailed Review of Provisions of the CGL Participants will explore the changes in the latest CGL Policy and discuss how the current changes impact the coverage. They will review the insuring agreement and discuss the trigger theories that are typically applied to progressive injury or damage claims. They will examine the theories of loss allocation as applied by the courts when multiple CGL policies are triggered. Participants will be able to apply suggested coverage solutions to potential coverage gaps. They will complete a detailed review of the other insurance clause, including when and how it applies, and an examination of products-completed operations.
Wednesday, March 18 1p-5p	Patrick Hardy	Evaluating a Comprehensive Crisis Management Program Effective crisis management involves a coordinated approach to minimize damage, safeguard stakeholders, restore operations, and rebuild trust in the organization. It requires careful planning, swift decision-making, clear communication, and ongoing evaluation to achieve optimal outcomes during challenging times. The session will start with an overview of crisis management plans, including essential components, required tools, and necessary training. Following this, insurance professionals will assess the effectiveness of these plans. Evaluating crisis management efforts is crucial for optimization. In this 4-hour session, participants will learn to identify and address the missing features within the program. By tracking and measuring training effectiveness, stakeholder satisfaction, activation times for crisis teams, and social media sentiment analysis, organizations can assess their performance, identify key lessons learned, and implement necessary changes needed to enhance crisis management capabilities. Ultimately, successful crisis management depends on an organization’s ability to monitor and adapt its strategies in real-time.
Thursday, March 26 1p-5p	Jerry Kennedy	Personal Lines Hot Topics Participants will learn how the Personal Automobile Policy relates to rental cars, use of company cars for personal use, and use of personal autos for business purposes. They will understand the unendorsed Personal Automobile Policy coverage limitations on electronic equipment, custom accessories, and vehicle valuation, and know how to address them. They will review exposures from catastrophic events and the loss issues that result. They will examine identity theft exposure and how the Homeowners Policy can be endorsed to provide protection. They will learn the proper way to insure condominiums, including adequate insurance limits, coverage, and protection from loss assessments.
Tuesday, March 31 10a-12p/2p-4p	Dave Hershey	Program Agreements for Large Casualty During this four-hour session, insurance professionals will gain insights into program agreements relevant to large casualty insurance agencies and companies. Participants will develop a clearer understanding of what program agreements entail and their purpose. The discussion will cover the intended audience for program agreements, from the perspectives of the insured, insurer, and agent/broker. Key components, typical characteristics, and applicable lines of coverage—such as workers’ compensation, general liability, and auto liability—will be examined. Additionally, attendees will examine key elements to check in program agreement, explore the types of collateral utilized, and get a better understanding of the collateral process and its significance in program agreements. The session will also identify policy traps that can impact losses in a program agreement. Furthermore, participants will learn the distinction between a statute of limitation and a statute of repose, along with their implications for the payment of insurance claims.

April 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Wednesday, April 8 10a-12p/2p-4p	Paula Burns	Navigating Risk for Religious & Non-Profit Organizations There are risks to operating any non-profit organization, and those risks can differ in important ways from other businesses or organizations. In this session, insurance professionals will be given an overview of religious and non-profit organizations that includes their liabilities, unique exposures, and the impact of current issues to better understand the nature of the risk. They will discuss issues that make non-profits difficult to insure, as well as the challenges with obtaining and maintaining insurance. They will discuss the importance of risk management and steps in the risk management process – identification, transfer, and implementation. They will examine general risk exposures and the types of insurance available for non-profits, focusing on churches and schools – premises liability/general liability, sexual misconduct, building usage, professional liability, educators’ liability, employment practices liability, media liability, cyber liability, and special events.
Tuesday, April 14 1p-5p	Keith Wilts	Home-Based Businesses: Where Personal Ends & Commercial Begins Insurance professionals will examine property and liability insurance exposures and risk management considerations when insuring home-based businesses and clients who work remotely. They will be able to identify general and unique exposures to loss, types of in-home businesses, risk management considerations, and methods of insuring exposures. They will review the protection provided in the latest edition of personal and commercial lines insurance policies including ISO Homeowners, ISO Personal Automobile, Personal Umbrella, ISO Business Auto Coverage, and ISO Businessowners. They will examine ISO endorsements designed to address the exposures of home-based business. They will discuss in-home business “hybrid” programs. They will identify coverage dilemmas and discuss ways to modify the standard policy and broaden coverage to meet their clients’ needs.
Friday, April 17 10a-12p/2p-4p	LaToya Maddox	Retirement Landmines Three major issues for anyone planning for retirement are senior healthcare, long term care and generating retirement income. This program discusses in detail the important decisions that both retirees and those planning for retirement must make when developing a retirement plan.
Thursday, April 23 1p-5p	John Brunette	Inland Marine Insurance This 4-hour course will provide participants with an overview of the Nationwide Marine Definition and the distinction between controlled and uncontrolled inland marine lines. They will identify and examine current coverage issues, problems, and trends associated with key commercial inland marine coverages. They will discuss property in transit, owners vs. carriers vs. transportation, warehouse legal liability, construction and installation exposures, and technology. They will learn how a typical inland marine policy is constructed including covered property, property not covered, common coverage extensions, covered causes of loss, and other provisions. They will examine key features in the transportation forms, contractors’ equipment policies, warehouse legal liability policy forms, and technology forms.
Wednesday, April 29 1p-5p	Cathy Trischan	CGL Coverage for the Contractor – Key Coverage Issues In this 4-hour session, insurance professionals will learn the key coverage features in the ISO Commercial General Liability (CGL) policy that are most important for their contracting clients. They will discuss the Bodily Injury and Property Damage Liability Insuring agreement and the exclusions most important to contractors. They will explore various ways that insurers can modify, enhance, and/or restrict coverage with the use of endorsements.

May 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Monday, May 4 1p-5p	Allen Messer	Commercial Property Casualty Issues & Answers Every insurance agency needs a formal method for exposure identification to better serve their clients. Every insurance agency should establish coverage standards. Coverage standards include needed coverages and endorsements and avoided endorsements. In this 4-hour session, participants will identify current commercial coverage issues that could have a significant impact on their commercial client’s business, agency, or organization. They will discuss the exposures, coverage issues, and gaps with traditional insurance policies – Commercial Property Policy, Commercial General Liability Policy, Business Automobile Policy Coverage Form, Workers Compensation and Employers Liability Insurance Policy, and Excess Liability/Commercial Umbrella. They will discuss coverages provided in each policy, as well as endorsements that may be needed to further tailor coverages to the specific exposures.
Thursday, May 7 10a-12p/2p-4p	Mike Smith	Practical Yacht Insurance This session is designed to give participants a practical understanding of yacht and boat insurance policies unique coverages, exclusions, and warranties. They will learn terminology associated with boats and understand the basic underwriting criteria, philosophy, and market structure. They will examine the differences between marine insurance and standard P&C coverages, the losses associated with boats, and risk management techniques with emphasis on Error & Omission risk management.
Wednesday, May 13 1p-5p	Terry Tadlock	Organizational Culture The Solution To Creating An Ethical And Productive Agency Participants will discuss the importance of ethical behavior. What is it? Why is it important? How does an insurance agency develop it and incorporate it in the remote workforce? In this session, participants will review the professional, legal, and ethical responsibilities in dealing with the day-to-day realities of the complex, ethical issues of the insurance industry. They will discuss the key to ethical decision making. They will examine how to create an ethical team environment in the insurance agency.
Tuesday, May 19 10a-12p/2p-4p	Sara Payne	Defense Base Act Many insurance professionals are familiar with workers’ compensation insurance since it is a mandated requirement for employers in the U.S. When it comes to protections for those whose employment is not subject to state WC laws, the solutions, benefits, and methods for securing coverage are not as widely known. After attending this 4-hour session, insurance professionals will better understand the Defense Base Act (DBA). They will be able to explain what it is, what it does, who needs this unique coverage, and the claims adjudication process. They will examine the eligibility requirements, the benefits under DBA, key points of DBA administration, and remuneration. They will discuss coverage issues, such as: zone of danger, reasonable recreation doctrine, war hazards, and terrorist attacks. They will gain a basic understanding of the steps required to successfully file a DBA claim.
Thursday, May 28 1p-5p	Steve Lyon	Proceed With Caution…Your Client Purchased a Condominium Participants will analyze significant issues encountered when writing commercial and residential condominium coverage. This 4-hour session begins with an overview of the Champlain Towers South collapse in Surfside, Florida – the facts, the potential causes, the demolition/debris removal/cleanup, the insurance claims, and who is responsible for insurance coverage. Agents will focus on the agreement (bylaws) and the exposure it creates for the association, Board members, and unit owners. Using real-life case scenarios, they will identify the best insurance methods to protect those individuals. They will review coverage and exclusions provided in D&O policies and the latest edition of the ISO Homeowners policies. They will examine the differences between the HO 00 06 (Homeowners 6 – Unit-Owners Form) and HO 00 03 (Homeowners 3 – Special Form). They will discuss ways to close coverage gaps and examine possible solutions to better serve their clients.

June 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Wednesday, June 3 10a-12p/2p-4p	Clarissa Preston	Work Comp Techniques, Trends, and Tools Insurance professionals will better understand the techniques, trends, and tools used in the workers compensation industry. They will examine how workers compensation insurance was developed and review the basic components of the current NCCI Workers Compensation policy. They will better understand underwriting – NCCI Classification Inspection Program and Experience Rating Modification Factor. They will discuss claims handling and dispute resolution. They will examine issues related to the use of independent contractors. They will discuss WC trends in legislative and legal trends, such as marijuana and its impact on the WC system. They will examine medical trends and workplace safety trends. They will discuss how natural disasters, such as COVID-19, impact the WC industry. They will discuss artificial intelligence and its impact on data collection and claims handling. They will learn about NCCI online tools that will help them better understand workers compensation.
Friday, June 5 10a-12p/2p-4p	Frank Costa	The Cannabis Industry The cannabis industry is gradually moving toward mainstream acceptance and will continue to have a significant impact on the insurance industry. With that trend comes a new marketplace, new regulations, and a vast number of insurance questions and issues. After a review of the history of cannabis in the U.S., participants will discuss the legal and regulatory issues with legalization. They will discuss the pros and cons for legalization and the challenges surrounding legalization. They will identify the insurance risks in the cannabis industry. They will discuss the insurance coverage considerations with products liability, D&O liability, general liability, commercial property, commercial auto, employment practices liability, cyber liability, personal injury/media liability, and more. They will examine the challenges for insurers in the cannabis industry.
Tuesday, June 9 1p-5p	Bettye Hutchison	Keep on Truckin’ Participants will examine information on trucking industry regulatory and compliance issues, insurance coverage forms, and endorsements. They will gain a better understanding of specialty carrier’s non-standard forms.
Thursday, June 11 10a-12p/2p-4p	Chris Christian	Healthcare Opportunities, Exposures and Coverages for the Non-Specialist Agent Participants will understand how healthcare risks differ from those of other industries and learn about the wide variety of healthcare-related operations. They will discuss how malpractice coverage functions for medical professionals, how underwriters evaluate and rate risks, and what coverages are most pertinent to healthcare providers and related entities.
Tuesday, June 16 1p-5p	Casey Roberts	Technology Trends and Other Changes in Agribusiness and Insurance So much has changed…this isn’t your daddy’s way of farming. In this session, participants look at what these changes mean to the farmer, and how they need to be considered and addressed by those insurance professionals working with these Ag accounts. They will review drone technology for farms and agribusinesses, the current regulatory environment, and the risk management and insurance challenges and opportunities. They will examine the current growth of the agritourism industry, its impact on traditional farm coverage, and the proper methods to manage the various risks including applicable insurance. They will learn about precision farming and understand the myriad issues surrounding its increased use. They will be able to distinguish between farm management and custom farming and examine the risk management and insurance implications of each.
Wednesday, June 24 10a-12p/2p-4p	Kate Norris	The World of Family Office and the Risk Management Issues That Arise Agents will take an in-depth look at the risk management needs of family offices, specifically; specifically Directors & Officers Coverage, Kidnap, Ransom and Extortion Coverage, and other methods of protection for families of exceptional wealth.
Monday, June 29 10a-12p/2p-4p	Neil Kaplan	Protecting Wine Collections – An Insurance Perspective Identify the reasons for providing the necessary insurance coverage for their high-net-worth client’s collections the challenges associated with this unique exposure. Understand valuation issues, appraisal practices, and use actual scenarios to examine the damage assessment process.

July 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Wednesday, July 8 10a-12p/2p-4p	Bob Ford	An Exploration of the Property Casualty Side of Farming Things are changing quickly in how farms are operated. Farming is turning more everyday into an ongoing commercial lines business. In this session, participants will look at what these changes mean to the farm operator, examine the new farm exposures, and determine how to put together an insurance program that fits the farm operator’s needs. They will explore farmers liability issues when an injury occurs to a farm employee and when an injury occurs when driving or towing a farm implement. They will look at farming and contractual issues for operations other than traditional farming.
Wednesday, July 15 1p-5p	Terry Tadlock	Commercial Insurance Issues That Cause Heartburn Using various claim situations, insurance professionals will identify some common coverage issues that create problems. They will discuss issues related to setting building limits, coinsurance, valuation, business auto symbols, drive other car coverage, damage to property, liquor liability, and loading and unloading. They will review the appropriate policy and endorsements and determine whether coverage is provided and how best to address any gaps in coverage.
Friday, July 17 10a-12p/2p-4p	Crystal Uebelher	Deposition Success in Five Steps In this 4-hour session, agents will explore the purposes of depositions and how to prepare themselves or their clients to successfully represent their position. Using a premises liability lawsuit case study, they will examine how lawsuits begin, the parties to a lawsuit, rules of civil procedure, and remedies to successful lawsuits.
Tuesday, July 21 10a-12p/2p-4p	Charlotte Hicks	Today’s Insurance Agency: Adapting to an Online World While the core fundamentals of insurance have not changed over the centuries, the tools used by insurance agents certainly have. Today’s customer journey often starts online instead of contacting an agent to be their trusted advisor. InsurTech startups such as Lemonade, Pie Insurance, and Next Insurance have changed the way the insurance product is delivered, as well as the coverage clients receive. In this session, participants will explore how they can leverage the digital tools available to them to attract clients, meet their insurance needs, and minimize errors and omissions risk.
Thursday, July 23 1p-5p	Ted Kinney	Exploring Personal Auto Claims & Coverage Scenarios Using various case scenarios, adjusters will review the most current ISO Personal Auto Policy and endorsements to determine if the loss or situation is covered. They will discuss the claims and coverage scenarios, determine if the loss or situation is covered, and identify endorsements that may be needed to cover or expand coverage for the exposure. They will examine how the PAP provides or excludes coverage for exposures, such as: replacement vehicles, roommates driving covered autos, truck rental for personal use, hitting an animal, sunken car leaking oil in a lake, newly acquired autos, unlisted vehicles, vehicles used for livery and/or delivery, rental car, loading and unloading a vehicle, driving for Uber, death of a foster child, named insureds and divorce, and more. They will identify the problems and discuss possible solutions to better serve their clients.
Monday, July 27 1p-5p	Allen Messer	Misery Awaits! Additional Insureds & Certificates of Insurance Certificates of insurance and the related issue of additional insureds are often sources of confusion and E&O claims for the insurance professional. In this session, insurance professionals will discuss additional insureds in-depth – types of insureds, how they work, how coverage is limited, and common problems that can arise. They will gain a better understanding of how the named insured status relates to commercial general liability, business auto, and property insurance. For each policy type, they will discuss why an additional endorsement may be needed and the impact on the coverage. They will learn the importance of a certificate of insurance and how to use it properly. Using specific ACORD certificate of insurance forms (ACORD 24, 25, 23, 27, and 28), they will examine the purpose of the certificate, critical things to consider before issuing a certificate, how to properly use certificates of insurance, and identify ways to avoid some of the common problems and errors.
Wednesday, July 29 10a-12p/2p-4p	Rick Pitts	Bonds from A to Z From a small, one-time commercial bond to the multiple bond needs of a contractor, the insurance professional must be ready to answer questions for the insured. Contract or commercial? Bid bond or payment bond? With so many types of surety bonds, it can be overwhelming to understand what the client needs. In this 4-hour session, participants will learn the basics of bonding – what do bonds do, why they are important, and who needs them. They will take an in-depth look at construction bonds, bid bonds, and performance and payment bonds. They will learn about other types of bonds including Fiduciary and ERISA bonds, public officials bonds, and license bonds. They will be able to explain how bonds and insurance differ – who they protect, how much they cost, and how claims work for each one.

August 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Tuesday, August 4 1p-5p	Cathy Trischan	Doing the Right Thing: Ethics for Insurance Producers Participants will examine the relationship between ethics and the choices insurance professionals make to protect their agencies against errors and omissions. They will discuss the ethical responsibilities of insurance producers, different approaches to decision making, and factors that determine the standard of care. Using real-life ethical dilemmas, they will look at some of the situations faced by insurance producers from ethical and E&O perspectives.
Friday, August 7 10a-12p/2p-4p	Chris Christian	Cyber Exposures: Resistance Is Futile In today’s highly-automated, web-connected world, nearly all businesses are at risk of harm due to the loss, misuse, or corruption of their data or systems. Products have evolved to cover many exposures. These products are categorized as “cyber-insurance” coverages, and they address a broad and variable range of causes of loss from data reconstruction to business interruption to extortion threats, to regulatory investigations, liability to third parties and more. These coverages are complex and are changing and expanding rapidly. In this session, agents will gain a basic working knowledge of the terminology and concepts specific to “cyber-insurance”. They will better understand the bases of “cyber” exposures. Agents will be able to identify and apply the solutions available to address these exposures, including critical coverage elements and common mistakes made when placing this insurance.
Wednesday, August 12 1p-5p	Sam Bennett	Personal Lines and The Sharing Economy Participants will examine the concerns that exist when clients offer property and/or use property of others via popular web-enabled services such as VRBO, Couchsurf, Airbnb, and similar platforms. They will explore the most commonly used Homeowners Coverage forms, Personal Auto Policy, Recreational Vehicle Coverage forms, Watercraft policies, and the endorsements that can be used to provide coverage for these unique exposures. They will better understand the coverage issues that may arise when these items are shared with others.
Thursday, August 13 10a-12p/2p-4p	Mike Edwards	NEW! Advanced Truck Insurance This 4-hour advanced session equips insurance professionals with a comprehensive introduction to insuring trucking and transportations risks. They will explore various types of trucking operations, freight classifications, transportation modes, and regulatory frameworks.
Monday, August 17 1p-5p	Steve Lyon	Diagnosing Issues in the CGL Policy This session explores the variety of liability exposures and the insurance coverage designed to address these specific concerns. They will discuss the differences that exist between occurrence and claims-made triggers, the allocation of loss payments that span multiple policies, and how to remedy the coverage gaps that are presented by some of the GL exclusions.
Friday, August 28 1p-5p	Casey Roberts	Cannabis, An Evolving Topic – It’s Not Just A Drug The trend toward mainstreaming and legitimizing marijuana is here and will continue to have a significant impact on the insurance industry. With that trend comes new regulations and a huge number of insurance questions and issues. Even today, there seems to be misunderstanding about the differences between hemp and cannabis. After a brief review of the history of cannabis in the U.S., participants will discuss the legal and regulatory issues. They will learn how the 2018 Farm Bill changed the landscape and what it effectively did. Using current ISO forms, they will examine insurance coverage considerations with farm, general liability, commercial property, as well as endorsements. They will discuss other associated issues and challenges with insuring hemp and cannabis risks including banking problems, transportation, medical marijuana and workers compensation, product liability, D&O, crime, E&O and medical professional, employment practices liability, and cyber.

September 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Tuesday, September 1 1p-5p	Richard Hart	Agents Beware: E&O, Certificates, and Fraud Errors and omissions can lead to claims against insurance professionals. Certificates and binders often cause frustration and confusion, contributing to E&O claims. This four-hour session will cover three main topics affecting daily operations. Participants will analyze the causes of E&O claims and learn strategies for prevention. Real-life examples will be used to identify potential exposures and discuss appropriate responses if claim is made. The session will also address challenges arising from certificate of Insurance and binders, learn their importance, purpose and effective use to protect clients from unexpected and unintended exposures. Common errors in issuing Certificates and binders will be discussed, along with strategies to avoid them. Finally, the impact of insurance fraud on the U.S. economy and consumers will be examined, including specific cases involving insurance professionals and their consequences.
Thursday, September 10 10a-12p/2p-4p	Chris Christian	Construction Risk – What’s not in the CGL The potential for professional liability claims may seem apparent when considering services such as engineering or construction management. In this 4-hour session, insurance professionals will explore exposures beyond the typical commercial general liability, workers compensation, and commercial auto exposures in the construction industry. They will examine the types of coverages for ancillary exposures, such as: contractors pollution, contingent pollution, contractors professional liability, rectification costs coverage, protective indemnity coverage, network security/privacy liability, technology, faulty workmanship, etc. They will identify emerging risks that could have a significant impact on the construction industry, such as: automated/autonomous construction machinery, robotics, drones, and artificial intelligence. They will discuss the exposures, coverage issues, and gaps with traditional insurance policies and explore possible solutions to these emerging and unique risks.
Friday, September 18 10a-12p/2p-4p	Lance Ewing	Emerging Risks in Changing Times Preparing for new and emerging risks can be a full-time job for the insurance professional. Technology, nature, terrorism, artificial intelligence, human and economic developments are rapidly changing the risk landscape and the insurance environment. In this session, you will identify those emerging risks that could have a significant impact on your client’s business, their agency or organization, or even their career. Using an interactive and breakout approach, you will learn how to prepare for what “will” happen rather than “what” happened.
Tuesday, September 22 1p-5p	Ross Pearce	Challenges Correctly Covering Condos & Cars Participants will analyze significant issues encountered when writing residential condominium coverage. They will examine coverages and exclusions provided in the latest edition of the Homeowners 6 – Unit-Owners Form. They will discuss key definitions and examine the differences between the HO 00 06 and HO 00 03 (Homeowners 3 – Special Form). They will discuss ways to close coverage gaps using HO endorsements and examine possible solutions to better serve their clients. They will discuss the challenges with providing insurance coverage for Transportation Network Companies (TNCs), electric bikes and scooters, and autonomous driving vehicles. They will review coverage issues, as to what is or is not covered by the PAP and explore potential solutions to fill the gaps to better serve their insureds.
Wednesday, September 30 1p-5p	Patrick Hardy	Creating an Elite Crisis Team in Your Agency in 3 Steps We live in an age of disasters. Disasters are not inevitable. In this course, Learn the list of actions in crisis management plan that will be taken before, during, and after a catastrophic event that preserves lives, safeguards property, and reduces the loss of resources essential to the organization’s recovery. Insurance and risk management professionals will identify the 3 essential elements in a comprehensive emergency management program – crisis management, business continuity, and disaster recovery. You will learn the types of hazards, perils, and risks your organization could face, how to respond, who will take action, what the plan should cover, what tools are needed to implement the plan, what training is needed to prepare and how to review and assess the effect.

October 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Friday, October 2 1p-5p	Jerry Kennedy	Ethics You Can Use (Only Approved for 3-Hrs ETH in MD) Participants will examine the professional, legal, and ethical responsibilities in dealing with the day-to-day realities of the complex, ethical issues of the insurance industry. They will compare and be able to explain the difference between legal and ethical responsibilities and discuss the foundations of ethical behavior. They will review court cases dealing with the agent as a “professional” along with the agent’s duty to the customer, insurer, and peers. Using a series of case scenarios, they will be able to identify what constitutes an ethical dilemma and apply the ethical principles discussed in this session to determine the right course of action.
Tuesday, October 6 10a-12p/2p-4p	Chris Christian	Cyber Crime This class examines the risk management strategies necessary to minimize cyber attacks. Agents will learn about insurance coverage solutions in order to better understand the concepts and exposures related to the cyber crime industry.
Thursday, October 15 1p-5p	Cathy Trischan	Commercial Liability Endorsements To Watch Out For Agents will examine some of the endorsements that can severely restrict coverage under the Commercial General Liability (CGL) Policy. They will review several ISO endorsements and see examples of non-standard endorsements often used by insurers. In each case, they will discuss the effect that the endorsement has on the coverage that would otherwise have been afforded by the CGL Policy.
Wednesday, October 21 1p-5p	Casey Roberts	Personal Lines, Issues We Need To Understand In this session, participants will explore significant concerns found within the ISO Personal Automobile and Homeowners policies – such as ownership, liability, and loss assessment coverage – and develop ways to explain them to their clients.
Monday, October 26 1p-5p	Allen Messer	Named Insureds, Automatic Insureds & Non-Automatic Insureds Participants will examine the status of Named Insureds, Automatic Insureds, and Non-Automatic Insureds in the Commercial General Liability and Business Auto Coverage Forms. They will learn the primary reasons for adding Additional Insureds, as well as the advantages and disadvantages. For each policy, a brief discussion of who is an insured is necessary to the understanding of why the additional insured endorsement may be needed and how it changes coverage.
Wednesday, October 28 10a-12p/2p-4p	Chappy Chapman	Personal Lines Claims Issues Using a question and answer format, agents will discuss how the Personal Auto and Homeowners Policies provide or exclude coverage. Participants will discuss how the PAP provides or excludes coverage for exposures, such as: students away from school, persons living together without the benefits of marriage, personal vehicles purchased through a company owned by the insured, motorized vehicles, rental cars, and vehicles used for livery and/or delivery. They will look at how the Homeowners Policy provides or excludes coverage for identity theft, business in the home, homes put in the name of a trust, and more.

November 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Tuesday, November 3 10a-12p/2p-4p	Clarissa Preston	Work Comp Techniques, Trends, and Tools Insurance professionals will better understand the techniques, trends, and tools used in the workers compensation industry. They will examine how workers compensation insurance was developed and review the basic components of the current NCCI Workers Compensation policy. They will better understand underwriting – NCCI Classification Inspection Program and Experience Rating Modification Factor. They will discuss claims handling and dispute resolution. They will examine issues related to the use of independent contractors. They will discuss WC trends in legislative and legal trends, such as marijuana and its impact on the WC system. They will examine medical trends and workplace safety trends. They will discuss how natural disasters, such as COVID-19, impact the WC industry. They will discuss artificial intelligence and its impact on data collection and claims handling. They will learn about NCCI online tools that will help them better understand workers compensation.
Thursday, November 5 1p-5p	Sam Bennett	Transportation Exposures of the Agriculture Client This session will examine the transportation exposures faced by agricultural risks. Agents will review mobile equipment coverages found in farm liability forms; coverage for owned and non-owned vehicles under the Personal Auto Policy (PAP); and auto coverages available under the Business Auto Policy (BAP).
Friday, November 13 10a-12p/2p-4p	Dave Hershey	Managing the Nuts & Bolts of a Diverse Risk Management Program In this session, agents will examine how to structure an insurance and risk management program for a large, complex, organization. They will learn ways to transfer risk with self-insurance, insurance, large/low deductible, self-insured retention, contractual risk transfer, and more. They will discuss ways to provide coverage for workers compensation, auto liability, general liability, marine liability, pollution liability, property, cargo, and international exposures.
Monday, November 16 1p-5p	Steve Lyon	Understanding Occurrence and Claims-Made Triggers In this session, agents will review the occurrence and claims-made forms and examine the difference in coverage triggers. They will be able to explain the difference between the pure claims made and the more common claims-made and reported forms of coverage. Using real-life examples and court cases, they will identify coverage gaps and discuss ways to avoid them. They will have a better understanding of the Commercial General Liability Occurrence and Claims-Made coverage forms, including the advantages and disadvantages of each.
Wednesday, November 18 1p-5p	Ted Kinney	An Insurance Agent’s Standard of Care: What is Your Legal Duty to Your Insureds? An insurance agent owes a duty to use reasonable diligence and care in conducting business with insureds and insurers. In this session, participants will better understand the types of agents and the types of agency authority. They will discuss reasons for lawsuits by companies, by insureds, and by third parties. Using case studies, they will identify common mistakes agents can make that could lead to E&O claims and then recommend solutions to avoid them.

December 2026

Date & Time (CENTRAL TIME)	Faculty	Topic
Wednesday, December 2 1p-5p	John Dismukes	Are These Personal Lines Losses Covered? In this session, participants will use real claim examples to discuss problems and possible solutions to Homeowners Policy exclusions that limit or remove coverage for dwellings rented to others, personal liability, co-habitation, motorized vehicles, home-sharing, and ownerships. Participants will also discuss ISO Personal Auto Policy exclusions for furnished vehicles, non-owned autos, and various uses.
Friday, December 4 10a-12p/2p-4p	Crystal Uebelher	You’ve Been Served – What To Expect When You Are Served Using a hypothetical insurance case study, participants will gain an understanding of the stages of the investigation and litigation including the importance of the insured’s participation in the process. Key policy terms that provide the insurance carrier with tools to successfully investigate and defend lawsuits against insureds will be examined and discussed.
Monday, December 7 10a-12p/2p-4p	Paula Burns	Navigating Risk for Religious & Non-Profit Organizations There are risks to operating any non-profit organization, and those risks can differ in important ways from other businesses or organizations. In this session, insurance professionals will be given an overview of religious and non-profit organizations that includes their liabilities, unique exposures, and the impact of current issues to better understand the nature of the risk. They will discuss issues that make non-profits difficult to insure, as well as the challenges with obtaining and maintaining insurance. They will discuss the importance of risk management and steps in the risk management process – identification, transfer, and implementation. They will examine general risk exposures and the types of insurance available for non-profits, focusing on churches and schools – premises liability/general liability, sexual misconduct, building usage, professional liability, educators’ liability, employment practices liability, media liability, cyber liability, and special events.
Thursday, December 10 1p-5p	Ross Pearce	Gaps in Homeowner’s Policies Due to Changes in Family Dynamics Participants will discuss new and current homeowner’s issues that insureds face today due to the changes in family dynamics. They will examine coverages and exclusions provided in the latest edition of the Homeowners Policy. Using real-life scenarios, they will learn how the Homeowners Policy provides or excludes coverage for exposures, such as: residence premises, tiny houses, persons living together, other structures on premises, homes rented to others, aircraft (drones), electric bikes and scooters, ordinance or law, and personal liability claims. They will discuss the exposures, whether the Homeowners Policy provides adequate coverage for the exposures, ways to close the coverage gaps using endorsements, and other possible solutions to better serve their clients.

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