Anyone pursuing the AILP or AILP/PL 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: PL

AILP Coverage: Homeowners

• Important definitions, review of Section I coverages, additional coverages and perils.
  
• Certain Section I conditions, such as insurable interest and loss settlement.
• Section II coverages and exclusions.
  

AILP Coverage: Personal Auto

• Eligibility for personal lines vs. commercial lines.
  
• Importance of personal injury protection, uninsured motorist, property damage liability, optional bodily injury, underinsured motorist and physical damage coverages.
  
• Important exclusions and problems for each of the coverages.
  

🔷ISSUES COURSES: PL

AILP Issues: Personal Residential Part 1

• Eligibility and business – Airbnb and other business issues, named insured and occupancy issues.
  
• Definitions creating problems, such as residence premises, insureds or not, and insured location challenges.
  
• Other Section I Conundrums: Excluded property, Section D issues, debris removal questions, loss assessment problems, and those pesky peril arguments of accidental discharge or sewer backup, earth movement, ice dam, and/or water seepage.
  

AILP Issues: Personal Residential Part 2

• Loss settlement problems, such as R/C vs. ordinance or law; effect of specified Coverage A vs. additional limits of liability endorsements; Special Loss settlement endorsement.
• Waiver of subrogation or not.
  
• Section II exposures: personal injury and social media, toys, recreational vehicles owned or rented, host liquor problems and the personal party, vacations, watercraft, aircraft issues (drones), and traveling; how much loss assessment is enough.
  

AILP Issues: Personal Miscellaneous

• Condo issues that cause problems: bylaws and limits; master policies and deductibles, Special Form and property, loss assessment, and loss of use of rented condos.
• Dwelling policy: DP-1 vs. DP-3 – identifying the major differences; dwelling liability and personal injury; short-term rental law.
• Miscellaneous issues such as cyber, identity theft and mobile device control over the home.

AILP Issues: Personal Auto

• General issues: eligibility; customary operator; named insured or not; TNC and other gig economy apps, like DoorDash, Turo, etc.
• Identification of important issues such as failure to furnish information, driving non-owned auto, ailment, operator exclusion.
• Auto rental problems of long-term rental, loss settlement, rental contract requirements and vehicle types.
• General auto issues such as cancellation - after a total loss and reasons the carrier can cancel; "reasonable repairs and expenses" in a loss; fault or not; business use and problems; trailer or not.

AILP Issues: Personal Umbrella

• Overview and key features of personal umbrella policies. A deep dive into the ISO Personal Umbrella Liability Policy (DL 98 01 02 15).  
• Available endorsements.
  
• Things to consider when comparing personal umbrella policies. Common oversights in personal umbrella policy handling.
  
• Case studies regarding important issues such as business use of a non-owned auto, renting an auto out of the country, and personal injury exposures.