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All Webinars are Presented in Central Time.
2024 MEGA Schedule
| Date being Presented | Faculty | Topic Length (hours) | Topic Title | Description |
| Tues, Nov 5 (1p-5p) | Steve Lyon | 4 | 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, Nov 7 (1p-5p) | Jerry Kennedy | 4 | Ethical Issues (Only Approved for 2.5-HRS ETH in MD) | In this session, participants will understand ethical challenges that insurance professionals face, difference between legal and ethical responsibilities and their fiduciary duties and obligations to the customer, insurer, and peers. |
| Tues, Nov 12 (1p-5p) | Sam Bennett | 4 | 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. |
| Mon, Nov 18 (10a-12p/2p-4p) | Terry Tadlock | 4 | NEW! 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. |
| Date being Presented | Faculty | Topic Length (hours) | Topic Title | Description |
| Mon, Dec 2 (10a-12p/2p-4p) | Tim McClendon | 4 | Decision Risks and Coverages for Executive Risks | Participants will explore Directors and Officers Liability, Employee Benefits Liability, and Fiduciary Liability issues faced by business owners. They will be able to explain why this coverage is needed and learn ways to offer this coverage in the most economical fashion. |
| Wed, Dec 4 (10a-12p/2p-4p) | Ross Pearce | 4 | 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. |
| Tues, Dec 10 (1p-5p) | Ted Kinney | 4 | Certificates of Insurance: The Bane of Our Existence | Insurance certificates can be one of the more dangerous documents that float between insureds and insurers. In this session, participants will learn the importance of a certificate of insurance and how to use it properly to protect their clients from unexpected and unintended contractor exposures. They will examine the purpose of a certificate, critical details to consider before issuing a certificate, and typical contract requests for inclusion on certificates. They will identify common problems and mistakes when issuing certificates and discuss ways to avoid these common problems and errors. |
| Mon, Dec 16 (1p-5p) | Neil Pinsker | 4 | Healthcare Revealed – Health Insurance from the Consumer to the Companies | Participants will examine the healthcare industry from the consumer to the insurance companies. They will look at the health insurance industry from the perspective of insurance brokers, employers that purchase health insurance on behalf of their employees, and the ultimate consumer end user. They will discuss the distribution system for employer-paid plans, consumer-paid plans, non-employer sponsored plans, and brokers and consultants. They will compare the strengths and weaknesses of the major players in the healthcare industry today. They will discuss funding options used by health insurance companies – fully insured, self insured, and self insured + stop loss. They will examine how dental insurance is similar and different from medical insurance. They will learn how pharmacy insurance works and the role of the Pharmacy Benefit Manager (PBM). |
All Webinars are Presented in Central Time.
2025 MEGA Schedule
| Date being Presented | Faculty | Topic Length (hours) | Topic | Description |
| Mon, Jan 6 (1p-5p) | Allen Messer | 4 | 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 | 4 | 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 | 4 | 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 | 4 | 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 | 4 | 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. |
| Date being Presented | Faculty | Topic Length (hours) | Topic | Description |
| Tues, Feb 4 (10a-12p/2p-4p) | Neil Kaplan | 4 | 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 | 4 | 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 | 4 | 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 | 4 | 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 | 4 | 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. |
| Date being Presented | Faculty | Topic Length (hours) | Topic | Description |
| Mon, March 3 (1p-5p) | Cathy Trischan | 4 | 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 | 4 | 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 | 4 | 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 | 4 | 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 | 4 | 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. |
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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