In this CIC Personal Lines course, you will focus on the Property and Casualty insurance industry, covering topics related to Personal Residential, Personal Auto and Personal Umbrella or Excess Policies. Through exploring the intricacies of policy coverages, limitations, and exclusions you will be able to identify risks and coverage gaps of personal lines clients, offer coverage solutions, and learn how to respond in the event of a loss.
Updated and revised 2-day course.
Personal Residential Coverages (8 Hours)
Learn how to address homeowners’ questions about what types of policies best suit their individual needs. This section provides information about eligibility requirements and different valuation methods for insured property under Homeowners and Dwelling policies. Understand the ISO Homeowners Policy Form and how to address Property and Liability
Legal responsibility or fault. More coverages, limitations, exclusions, and other policy provisions.
Personal Automobile Coverages (6 Hours)
Gain in-depth knowledge of coverage afforded and not afforded by the Personal Auto Policy (PAP), including how to identify “who is an insured” and what is a “covered auto.” Develop your understanding of each coverage part of the PAP, including Liability, Medical Payments/PIP, Uninsured/Underinsured Motorists, and Damage to Your Auto. Examine important endorsements that can be used to provide additional coverage for your clients.
Personal Umbrella/Excess Coverages (2 Hours)
Help your clients understand the similarities and differences between Umbrella Insurance and Excess Liability Insurance, including general provisions and exclusions, and the relationship to primary insurance. Learn how to communicate the importance of Personal Umbrella/Excess Liability coverages to your client, as an integral piece of their personal financial and insurance programs.