Anyone pursuing the AILP or AILP/CL designation must complete these courses. Each course has a multiple-choice exam at the end of the day, centered on the material presented that day.

🔷COVERAGE COURSES: CL

AILP Coverage: commercial Auto

• Eligibility vs. personal lines for individually owned business vehicles
• Declaration page importance of Item 2: covered autos section
• Importance of symbols to create a covered auto definition
• Liability insuring agreement, insured definition and exclusions
• Physical damage insuring agreement and exclusions
  
• Important BAP endorsements, such as additional insured and amendatory endorsements, etc.

AILP Coverage: Commercial General Liability

🔷ISSUES COURSES: CL

AILP Issues: Commercial general Liability Part 1

• "Who is an insured" issues, such as why the request for CG 20 11 Managers or Lessors of Premises?
• Contractors', owners', and developers' issues, such as CG 20 33, CG 20 10, and CG 20 38, specified vs. automatic: what's the difference? Why the request for older editions vs. newer editions? What is "arising out of"?
  
• AI vs. NI: Is there a difference?
  
• Indemnitee vs. AI status
  
• Primary and non-contributory or not
• Limits – How much is enough? Amending the limits, designated project or premises, aggregate limit amendments, products and completed operations redefined, and why
• Miscellaneous issues such as the statute of limitations vs. statutes of repose, waiver of subrogation provision vs. endorsement, wrap-ups and your client, certificate of insurance issues, and problems

AILP Issues: Commercial general Liability Part 2

• Exclusions that cause problems, such as damage to property – operations vs. completed operations exclusions; renting property – real or personal and damage to it; improper use of damage to your work exclusion; construction defect or not; pollution exclusion and exceptions; liquor liability and BYOB; auto in the GL; drones and finding coverage (covered or not, depending on endorsements)
  
• Exclusionary endorsements to beware of: excluding specifics, amendment, and limitation endorsements that are exclusions in disguise
• Exclusions remind us to buy other policies, such as EPLI and cyber

AILP Issues: Commercial Property

• Knowing how to amend property when you need to – additional covered property endorsement for the excluded property; property not covered endorsement to avoid duplication; specific property endorsements for certain property types such as signs, antennas and landscaping; new options for tenants and building items; drones
• Endorsements affecting loss settlement, such as manufacturers' selling price, margin clause, value reporting form, ordinance or law, debris removal, vacancy change options
• Adding other interests – loss payable or adding building owner
• Business interruption insurance (BII) issues – coinsurance; described premises or not; BII period exclusion; ordinance or law consideration; BII form vs. BII in BOP; amending the period of restoration; dependent property consideration; BII and loss to vehicles; drones and BII
  

AILP Issues: Employment Practices Liability Insurance

• The five employer moves that practically guarantee a lawsuit
• Which EPLI setups protect — and which leave clients hanging
• Sneaky coverage gaps hiding in “claims-made” policies
• Third-party claims that come out of nowhere
• Real-world scripts to explain EPLI without the legal jargon

AILP Issues: Cyber 

• Understanding the exposure: Learn why cyber threats are constantly changing and why coverage forms are struggling to keep up.
• Real-world risks: Explore how breaches occur, who causes them, and the financial and legal consequences that follow.
• Policy comparison & marketing: Identify what underwriters look for, from data types stored to breach history, and how to make your insureds more marketable.
• Coverage breakdown: Dive into first-party and third-party cyber coverage components—from business interruption and data restoration to regulatory penalties and extortion demands.
• Key definitions & exclusions: Decode policy terms, common exclusions, and carve-backs critical to securing meaningful protection.
• Claims & conditions: Understand claims-made triggers, hammer clauses, defense costs, application severability and rescission.
• Emerging issues & trends: Review prominent players, carrier variations in coverage offerings, and valuable resources available to both agents and clients.