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2025 MEGA Schedule
| Presentation Date | Time (Central Time) | Faculty | Topic Title | Description |
| Mon, Jan 6 | 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. |
| Wed, Jan 8 | 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. |
| Thurs, Jan 16 | 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. |
| Wed, Jan 22 | 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. |
| Tues, Jan 28 | 1p-5p | Bryan Tilden | Leased Properties Exposures | Participants will analyze typical provisions in leases for both personal and real property. They will understand the lessee’s responsibility for damages in both the property and casualty areas. They will also understand the hold-harmless agreement and be able to select endorsements needed to protect for both property and casualty. |
| Presentation Date | Time (Central Time) | Faculty | Topic Title | Description |
| Tues, Feb 4 | 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. |
| Thurs, Feb 6 | 10a-12p/2p-4p | 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. |
| Wed, Feb 12 | 10a-12p/2p-4p | Rich Rudolph | Insuring the Uninsurable | What is an uninsurable risk or exposure? Some risks or exposures are considered uninsurable by the commercial insurance industry. In this session, agents will examine several options organizations can consider using to solve these kinds of “uninsurable” losses. They will look at traditional approaches to covering these unique exposures, such as self-insurance, pools, and captive insurance companies including the specialized captive. They will learn about Finite Risk Insurance – what it is, special characteristics, common features, types, and how it works. |
| Thurs, Feb 20 | 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. |
| Tues, Feb 25 | 10a-12p/2p-4p | Bob Ray | Flying High: Aircraft Insurance Fundamentals | This 4-hour session is designed to give participants a practical and better understanding of personal and commercial aviation insurance policies unique coverages, exclusions, and warranties. They will learn terminology associated with personal and commercial aircraft and discuss the basic underwriting criteria and market structure. They will identify the liability and property exposures, including an explanation of the policies available to handle these exposures. They will examine the differences between commercial and personal aviation insurance and the major underwriting issues. |
| Presentation Date | Time (Central Time) | Faculty | Topic Title | Description |
| Mon, March 3 | 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. |
| Thurs, March 6 | 1p-5p | Ross Pearce | Life Insurance…Benefits for the Living | There are several common reasons for buying life insurance. In this session, insurance professionals will discuss the “living benefits” of life insurance, not death benefits. They will gain a better understanding of the types of permanent life insurance policies – Whole Life, Universal Life, Indexed Life, and Variable Life. They will learn how each type can be used to provide a living benefit to the owner or beneficiaries. They will examine the non-forfeiture options and life insurance policy riders. They will discuss the purpose of a Buy-Sell Agreement and Key Person Insurance. They will learn how life insurance can be used to fund a Life Insurance Retirement Plan (L.I.R.P.). They will review the type and classification of annuity products and learn how they can be used to provide living benefits. |
| Wed, March 12 | 10a-12p/2p-4p | Clarissa Preston | NEW! 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. |
| Tues, March 18 | 1p-5p | Paula Burns | NEW! 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. |
| Thurs, March 27 | 10a-12p/2p-4p | Paul Burkett | Property and Casualty Issues for Large Manufacturing Risks | Today manufacturing companies face various challenges – from leased property risk exposures, cargo exposures, business income exposures, hold harmless agreement exposures, business auto exposures to employee foreign workers compensation exposures, employment practices liability exposures, and fiduciary exposures. In this 4-hour session, insurance professionals explore the key risks in manufacturing and offer insurance and risk management solutions and discuss actionable strategies to navigate them. Staying knowledgeable of these unique manufacturing risks and mitigating the associated exposures can help manufacturers position themselves for long-term growth and operational success. |
| Date | Time (Central Time) | Faculty | Topic Title | Description |
| Wed, April 2 | 1p-5p | Steve Lyon | NEW! 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. |
| Tues, April 8 | 1p-5p | Terry Tadlock | Insurance and the Property Lease | Using various claims situations, participants identify and examine the issues and problems when providing property insurance protection for an insured whose insurable interest is created through a lease or other form of “contractual” arrangement. They will identify provisions found in leases of real property that may impact how property insurance should be written. They will discuss when and under what conditions subrogation may be waived in the Commercial Property Coverage forms and examine the impact of a “Mutual Waiver of Subrogation” clause found in property leases. They will identify how Tenant’s Improvements and Betterment should be written and how losses will be valued at the time of loss. They will discuss how to insure and value personal property that is leased by an insured. They will review other miscellaneous leases, such as contractor’s equipment and apartments for kids away at college. |
| Wed, April 16 | 10a-12p/2p-4p | 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. |
| Mon, April 21 | 1p-5p | Jerry Kennedy | Ethics You Can Use | 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. (Only Approved for 3-Hrs ETH in MD) |
| Wed, April 30 | 1p-5p | Bob Ford | Commercial Property – You Better Sweat the Small Stuff | In this session, participants will identify potential coverage pitfalls that could create problems and examine ways to solve them. They will review the appropriate Commercial Property policies and endorsements, such as the Building and Personal Property Coverage Form, as well as coverage for Landlords and Tenants, Ordinance or Law, Legal Liability Form, Leasehold Interest Coverage Form, and Protective Safeguards endorsements. They will discuss insurable interest in commercial property – who is the owner of the property, who is responsible for the property, and who will suffer financially if the property is damaged or destroyed. They will examine issues related to tenant’s improvements and betterments. They will identify various types of valuation and how each one works in a claim situation. They will look at how Ordinance or Law is addressed in a claim situation. They will learn the importance of Protective Safeguards endorsements – the purpose and how they work. |
| Presentation Date | Time (Central Time) | Faculty | Topic Title | Marketing Description |
| Tues, May 6 | 10a-12p/2p-4p | 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. |
| Fri, May 9 | 1p-5p | Cathy Trischan | NEW! 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. |
| Thurs, May 15 | 1p-5p | Patrick Hardy | NEW! 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. |
| Wed, May 21 | 10a-12p/2p-4p | Richard Hart | NEW! Ethics, E&O, Certificates & Binders and Fraud | In this session, insurance professionals will explore four topics related to ethics in their daily operations: errors and omissions, certificates, binders, and fraud. They will examine professional, legal, and ethical responsibilities in the context of the complex ethical issues within the insurance industry. Participants will differentiate between legal and ethical responsibilities and discuss the foundations of ethical behavior. They will analyze how mistakes can lead to E&O claims and review agents’ duties to carriers and clients from both ethical and fiduciary perspectives. Agents, in their fiduciary role, may sometimes bind carriers and issue certificates, which can lead to risks such as improper issuance, errors, inadvertent errors and deliberate wrongdoing. The session will cover the definitions and proper usage of certificates of insurance and binders, as well as potential misuses. It will conclude with a discussion on insurance fraud. |
| Thurs, May 29 | 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. |
| Presentation Date | Time (Central Time) | Faculty | Topic Title | Description |
| Mon, June 2 | 10a-12p/2p-4p | Keith Wilts | Leased & Rented Property – The Contract vs. Coverage | Participants will identify potential loss exposures that exist when insuring leased real and personal property and learn the basic and optional coverages available to treat these exposures. They will learn a systematic process to analyze contractual obligations in relation to standard insurance policy provisions and to identify potential gaps in coverage. They will review common provisions found in real, personal property leases, examine important loss exposure and coverage issues when insuring tenant improvements and betterments, and learn how to provide the protection their client needs. They will evaluate how the Commercial General Liability (CGL) Policy compliments and conflicts with Business Auto Policy and Personal Auto Policy coverage provided for leased and rented mobile equipment and/or autos. |
| Thurs, June 5 | 1p-5p | 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. |
| Tues, June 10 | 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. |
| Mon, June 16 | 1p-5p | Allen Messer | NEW! 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. |
| Wed, June 25 | 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. |
| Fri, June 27 | 10a-12p/2p-4p | Chappy Chapman | Commercial Property Claims Issues | Using various claim situations, participants will identify some common Commercial Property Coverage issues that create problems. They will discuss issues related to vacancy, debris removal, leased property, tenants improvements and betterments, ordinance or law, setting building limits, valuation, dependent properties, utility services, business income, theft, and margin clause. They will review the appropriate Commercial Property policies and endorsements and determine whether coverage is provided and how best to address any gaps in coverage. |
| Presentation Date | Time (Central Time) | Faculty | Topic Title | Description |
| Tues, July 1 | 1p-5p | John Dismukes | Errors and Omissions Prevention vs. Mitigation | Errors and Omissions occur regularly and some of these lead to claims against agents, brokers, agencies, and companies. In this session, participants will examine the leading causes of error and omission claims, identify potential exposures, discuss ways to minimize them, and explain what to do if a claim is made against them. |
| Wed, July 9 | 1p-5p | Terry Tadlock | Why Good People Do Bad Things: A Deep Dive Into Agency 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. They will examine the dysfunctions of an agency organization and discuss how to build a healthy organization. |
| Fri, July 11 | 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. |
| Tues, July 15 | 1p-5p | Cathy Trischan | NEW! 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. |
| Thurs, July 17 | 10a-12p/2p-4p | Mark Greenway | Navigating the Global Marketplace | Participants will explore the insurance needs of companies that do business overseas. They will discuss where, when, and how coverage follows the business overseas, as well as what businesses need to do when it doesn’t. They will examine international package policies, property wrap-ups, and other forms of international coverage. |
| Wed, July 23 | 10a-12p/2p-4p | Charlie Matejowsky | The Greatest Insurance Product Ever Invented: Life Insurance | Participants will gain a better understanding of the ins and outs of each type of life insurance policy and be better equipped in choosing the ideal plan to meet the needs of their family and/or business. They will examine the types of term and whole life insurance along with the advantages and disadvantages of each. |
| Tues, July 29 | 1p-5p | Allen Messer | NEW! 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. |
| 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. |
| 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. |
| 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 | Ethics, E&O, Certificates & Binders and Fraud | In this session, insurance professionals will explore four topics related to ethics in their daily operations: errors and omissions, certificates, binders, and fraud. They will examine professional, legal, and ethical responsibilities in the context of the complex ethical issues within the insurance industry. Participants will differentiate between legal and ethical responsibilities and discuss the foundations of ethical behavior. They will analyze how mistakes can lead to E&O claims and review agents’ duties to carriers and clients from both ethical and fiduciary perspectives. Agents, in their fiduciary role, may sometimes bind carriers and issue certificates, which can lead to risks such as improper issuance, errors, inadvertent errors and deliberate wrongdoing. The session will cover the definitions and proper usage of certificates of insurance and binders, as well as potential misuses. It will conclude with a discussion on insurance fraud. |
| 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. |
| 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. |
Attend Live Online Sessions
The Online Ruble MEGA Seminar is approved for CE and designation update credit, includes practical content you can use immediately, and is taught by our highly rated faculty in real time.
- Practical content
- Taught live by nationally recognized industry practitioners
- Full attendance required for update or CE Credit
- No final exam required
“What I loved about the new online MEGA is the flexibility to take one’s 16 hour update over the entire year, with several offerings to choose from. While I only needed 4 of the online MEGA topics to fulfill my 16 hours, there are additional topics of interest that I am taking through the year end offering…one isn’t limited to just the 4 update topics.”
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