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- Sources of liability
- Occurrence vs. claims made
- Who is the insured, or not?
- Mechanics of aggregate limits
- An insuring agreement, territory and known occurrences
- Exclusions such as contractual, pollution, auto, property damage, your work and product
- An insuring agreement, personal and advertising injury definition, and the need for separate cyber and discrimination
- Coverage C medical payments insuring agreement and restrictions
AILP Coverage: workers' compensation- Independent contractor vs. employee
- 3A vs. 3C vs. Limited Other States Endorsements
- Part I Benefits and what it doesn't pay
- Part II Employer's Liability and third-party action over dual capacity, consequential loss and exclusions
- Important endorsements such as USLHW, maritime, voluntary compensation, and waiver of our right to recover, and when we qualify for them
- Addressing the leasing situation
AILP Coverage: Commercial Property- General issues of valuing property: ACV vs. R/C vs. functional
- Coinsurance
- Methods of writing: specific, blanket and value reporting
- Addressing the Building and Contents Form CP 00 10 – What's building and BPP and what's not
- Additional coverages
- Extensions
- Property conditions of vacancy and loss valuation
- Cause of Loss Special Form CP 10 30
- General exclusions, additional exclusions, and limitations of coverage
🔷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, not exclusion; liquor liability and BYOB; auto in the GL; drones and finding
- 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.
AILP Issues: E&O: lEGAL DUTIES, DATA RISKS AND OPERATIONAL RISK MANAGEMENT (coming soon)
- Standard of care and the agent's legal duty
- Data privacy compliance and cyber exposures
- Binding authority and underwriting guidelines
- Certificates of insurance and documentation standards
- Agents Council for Technology best practices for texting and e-delivery
- Internal controls, disclaimers and staff accountability
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