This course provides students with an overview of the situation across the country with regard to the existence of Marijuana Grow Ops. Risks and hazards of these illegal operations are detailed in Lesson 2. An important discussion is presented of the issues these Grow Ops raise for insurance companies. The course provides advice for landlords both to avoid renting to questionable individuals, as well as to monitor their property for any signs of such activity that might come to light. A comprehensive assessment of the student’s grasp of the information is also provided.
Students will
- Be familiar with the existence of Grow Ops across the country
- Recognize the importance of related issues to the insurance industry
- Be knowledgeable about the variety of risks and hazards posed by Grow Ops
- Understand the legislation surrounding Grow Ops
- Know how to manage the risks with regard to insurance
- Be able to advise landowners of signs for detecting Grow Op
- Be able to provide strategies for landlords to better screen potential renters
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Personal Skills / General/Adjuster - Technical
Credit #: AIC#60398; MB34068
Accrediting Provinces:
A Structured Approach for Terminating Employees
Whether you are faced with terminating an employee because of down-sizing or because that employee no longer fits within the company, there are certain steps to take to ensure this difficult task is done professionally and legally. This course examines the process to take and considerations to remember when terminating an employee.
Outline:
- When Should You Fire an Employee?
- Planning Prior to the Termination
- The Termination Interview
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Management
Accrediting Provinces:
This module reviews and explains the role of the adjuster, introduces the particular skills and knowledge used in the investigation and settlements of injury claims, and explores the steps the adjuster must perform to conduct a proper claims investigation. Topics include: Adjuster Responsibilities, Adjuster Conduct, Financial Aid, Effective Communication, Medical Aspects, Expressing Sympathy, Dealing with Stressed Claimants, Purpose of Investigation, Claim Files, Bodily Injury Claims Process, Knowledge of the Law, Medical Benefits, First Party Claims, Automobile Claims, What Constitutes Evidence?, First Party Claims, Third Party Claims, Policy Coverage, Questions to Ask, Liability Claims, Limitation Periods, Non-Waiver Agreements, Reservation of Rights Letter, Special Agreement, Scene of the Claim, Police Reports, Facts of the Claim, Subrogation, Signed Authorization, Taking Statements, Where to Conduct an Interview, Signing the Statement, Untruthful Statement, Statement Checklist, Pre-Loss Information, and Products Liability Claims.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC 51160; MB 22049
Accrediting Provinces:
This course explores the proper way to explain an injury and the necessary steps to properly complete the claim, and the proper methods in which adjusters determine liability. Topics include: Details of Injury, Getting Statements in a Hospital or Nursing Home, Statement as a Memory Tool, Recorded Statements, Preparing Claimants or Witnesses for Interviews, Recording Process & Criteria, Injury Information, Questioning to Reveal Injury Details, Fault Apportionment, Questions Following a Motor Vehicle Claim, Injury Location, Initial Injury Treatment, Definition of Diagnosis, Definition of Prognosis, Determining Precise Nature of Claimant's Complaints, Background Information, Activities Check, When to Use Private Investigators, Visual Evidence, Using Video Camcorders, Admissibility of Evidence, Suspicious Claims, Fraudulent Claims, Possible Fraud Indicators, Laws Pertaining to Liability, Plaintiff vs. Defendant, Highway Traffic Acts, Occupiers Liability, Workers Compensation, Common Defences, Legislation Acts, Fault Determination, Contributory Negligence, Joint & Several Liability, Foreseeability, and Remoteness of Damage.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51161; MB# 22051
Accrediting Provinces:
It is vital that bodily injury adjusters have an understanding of the human anatomy and the healing process. This module explores injuries that can occur to the skin, including: nerve damage, contusions, lacerations, abrasions, scarring, severe bruising, and burns. This module also looks at the muscular makeup of the body, including: skeletal muscles, smooth muscles, cardiac muscle, arm muscles, knee muscles, neck muscles, hand muscles, ligaments, and sprains & strains.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51162; MB# 22443
Accrediting Provinces:
This module explores the various conditions that can affect muscles, including: strains, spasms, atrophy, cervical & lumbar strains, flexion-extension, and whiplash.
The second part of this module explores the skeletal make up, including: classification of bones, bone make up, osteoporosis, how to locate bones in the body, terminology, rib injuries, compound fractures of the chest cavity, shoulder injuries, pelvis injuries, arm injuries, finger/thumb dislocation, and the anatomy of the hand, leg, and thigh.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51163; MB #22444
Accrediting Provinces:
This module examines fractures to various bones, including: femur, knee, and the tibia & fibula. It looks at the anatomy of the foot and heel, reviews Pott’s fracture and other fracture types, discusses joints, sprains, elbow injuries, wrist injuries, arthritis, dislocations, treatment of fractures, and amputations. The second part of this module explores the spinal column, including: vertebrae, identifying and treating spinal injuries, sublaxation. The module ends with a review of the make up of teeth.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51164; MB# 22445
Accrediting Provinces:
Module 6 of the Adjusting Bodily Injury series continues with its look at the human anatomy. Topics include: Parts of the Ear and Ear Injuries, Anatomy of the Eye and Eye Injuries, Anatomy of the Skull and Injuries to the Jaw, Central & Peripheral Nervous System, Parts of the Brain and Brain Injuries, Anatomy of the Heart, Circulatory System � including Veins and Arteries, and finally a look at the Internal Organs and Injuries that may occur.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51165; MB# 25586
Accrediting Provinces:
Module 7 of the Adjusting Bodily Injury series sheds light on ways to deal with complicated Subjective Disability Claims, explores Rehabilitation Services and how to help clients set and obtain their goals, and dissects ways to interpret and utilize Medical Reports and Records to bring the claim to a satisfactory conclusion.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51166; MB# 25639
Accrediting Provinces:
The final module in the Adjusting Bodily Injury series looks at the role of Claims Examiners, explores Negotiation Strategies and Techniques, discusses ways to deal with Nuisance Settlements, examines the Advantages and Disadvantages of Structured Settlements, delves into Alternative Dispute Resolutions, and looks at strategies to deal with claims when they go to Litigation.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51167; MB# 25643
Accrediting Provinces:
In this course you'll learn about the Role of an Insurance Agent or Broker and the Regulation of the General Insurance Industry in Alberta.
OBJECTIVESOn completion of this course, students will be able to:
- differentiate between a broker, an agent, and an exclusive agent
- describe the licensing levels in Alberta and the requirements of each level
- demonstrate an understanding of the law of agency and how an agency agreement obligates each party in the agreement
- define binding authority and explain its purpose
- explain the importance of full disclosure and utmost good faith in the facilitation of an insurance contract
- identify the typical duties or steps of a broker or agent in an insurance transaction
- discuss the role of a broker or agent in the claims process
- list the customer outcomes and expectations outlined in the Guidance Conduct of Insurance Business and Fair Treatment of Customers (2019) document
- summarize ethical principles and practices endorsed by the Insurance Brokers Associations of Canada and Alberta
- demonstrate an understanding of why an errors and omissions insurance policy is needed, the most common causes of claims, and actions that can be taken to manage such claims
- demonstrate an understanding of the Insurance Act and its Regulations
- identify the general insurance regulatory bodies and describe their basic roles and responsibilities
- discuss licensing and continuing education requirements for insurance intermediaries (agents and brokers)
- explain professional and ethical conduct required by insurance agents and brokers
- summarize requirements of the privacy acts and apply them to the role of general insurance professionals
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC #61314
Accrediting Provinces:
The purpose of this course is to familiarize participants with the issues and risks that are part of owning and operating commercial automobiles, and to prepare them to identify particular client needs and suggest policies that will appropriately meet those needs.
This course covers the following subjects:
- Commercial Automobile Defined
- Explanation and particulars relating to Fleet Insurance and the Standard Policy Form 1-Owners Form
- Explanation and particulars relating to Standard Policy Form 4 - Garage Automobile Policy (The 6 sections A-F)
- Standard Policy Form 6―Non-owned Automobile Policy
- Standard Policy Form 9-Transport Network Policy
- Common Commercial Automobile Endorsements
- Fleet Policy Endorsements
- Garage Policy Endorsements
- Risk and Liabilities that face owners of commercial automobiles
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC#60353
Accrediting Provinces:
The purpose of this course is to explain the various aspects of automobile insurance and of the laws and regulations that govern the industry, particularly in Alberta.
This course covers the following Subjects:
- What is Automobile Insurance?
- Private and Government Automobile Insurance
- Regulation of Automobile Insurance in Alberta
- Standard Application Form for Owners of Automobiles (SAF 1)
- Standard Policy Form for Owners of Automobiles (SPF 1)
- SPF 1 Policy General Provisions, Definitions, and Exclusions
- Standard Endorsement Form (SEF)
- Standard Policy Form for Drivers of Automobiles (SPF2)
- Residual Risks and Industry Agreements
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC#60352
Accrediting Provinces:
This is a comprehensive course of critical importance to any proprietor or landlord who acts as a host to individuals who are using alcohol or drugs on their premises. The slide presentation includes several examples and actual court cases to present the facts about liability, under the law, for the safety of such patrons and guests. The course demonstrates the importance for hosts to avail themselves of protection through insurance coverage, and to understand the conditions surrounding that coverage. It provides important practical guidance and information for all stakeholders in these matters. A quiz allows participants to assess their understanding on completion of the course.
Includes the following topics:
- The role of drugs and alcohol in fatal car accidents
- Training for staff serving as commercial hosts
- Testing for impairment and recognizing impairment
- Drugs in current use and effects of particular drugs on users
- Issues around the legalization of edibles containing cannabis
- The role of insurance providers in the education of hosts
- Responsibilities of event organizers as hosts and responsibilities of landlords and condominium corporations
- Investigations of claims related to drug and alcohol use
- Safety standards expected of commercial host establishments
- Patron conduct
- The B.C. Occupiers Liability Act
- Role and duties of the adjuster
- Use of force issues
- Liability of cannabis retailers
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#53304; MB33672
Accrediting Provinces:
This course examines the issues surrounding alcohol or liquor liability, the history of liability, case law and changes in the legal system.
Outline:- Brief History on Liability
- The Development of Tavern Liability
- Occupiers' Liability
- The Development of Alcohol Liability
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#51168; MB#19646
Accrediting Provinces:
This course analyzes the characteristics common to most 'All Risks' Homeowners policies. Based on Standard Industry Wordings, we look at coverage, how coverage is determined, and 26 common exclusions.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: AIC#59896; MB12323
Accrediting Provinces:
In this course we take a look at how we handle the situations involving angry customers will greatly affect our customer's perception of ourselves and our brokerage.
Our ability to turn unhappy customers into happy customers will also be reflected in the 'bottom line' of the brokerage.
Most brokerage owners know that satisfied customers will keep their business with us, tell others how good we are, and return for their future insurance purchases.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
This course focuses on the growing problem of automobile theft in Canada and the risk management strategies that our clients can use to reduce the potential for a theft loss.
Topic headings include:
- Vehicle Theft in Canada
- An Across Canada Review
- The Logistics of Auto Theft
- Strategies That Will Help You to Protect your Vehicle from Thieves
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#59897; MB12305
Accrediting Provinces:
Part 1 of this two-part series looks at the impact of auto theft and gives a general overview of the automobile theft investigation process.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: Adjuster - Technical
Credit #: MB5749
Accrediting Provinces:
The focus of 'Auto Theft I - Investigation & Fraud Indicators' was basic investigation and insurance fraud associated with this type of claim. Auto Theft II - Organized Crime takes a look at the most significant factor affecting trends and costs in the past decade the role of organized crime. In the past several years there has been a major shift in the trends associated to auto theft. The most notable trend is the dramatic increase in occurrences throughout North America, which is consistent with the worldwide trends for this type of occurrence. What is the catalyst for this dramatic change? The answer is simply: organized crime.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: Adjuster - Technical
Credit #: MB5750
Accrediting Provinces:
Basic Customer Service Skills Part 1
What gives insurance brokerage a competitive advantage? In many cases, great customer service helps propel the success of one brokerage over another. This course examines how creating happy customers is reflected in the 'bottom line' of an insurance brokerage.
Outline:
- Achieving a Competitive Advantage
This course qualifies for 1 continuing education credit hours (General/Adjuster - Professional/Management).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
Basic Customer Service Skills - Part 2
What gives insurance brokerage a competitive advantage? In many cases, great customer service helps propel the success of one brokerage over another. This course examines how customers can be a company's greatest asset.
Outline:- First Impressions Are Important
- Acknowledge Customers - Always
- Greet Customers Warmly - Act Like You're Happy To See Them
- Be Enthusiastic About What You Do - Attitude Does Make a Difference
- Product Knowledge
- Be Reliable
- Be Willing To Go the Extra Mile
- Reward Your Customers
This course qualifies for 1 continuing education credit hours (General/Adjuster - Professional/Management).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
Within the insurance claims industry the range of fire investigations go from telephone handling of straightforward claims to the complex arson losses that involve a team of experts in the field. Basic Property Fire is designed for those adjusters that handle routine to mid-range losses. These adjusters are neither fraud or fire specialists. Due to the fact that they are not specialists, it is important to match their skills and experience to the claim assignment. The perils of a mismatch are excessive payments, missed mitigation opportunities and service issues.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: Adjuster - Technical
Credit #: MB6234
Accrediting Provinces:
The adjuster's obligation is to properly and fairly settle claims; their judgment, based on available information, is often the final word. Like any other business, both good and bad decisions that affect others are made every day. A logical conclusion is that those adjusters that possess the knowledge and skills to obtain the right amount of relevant information pertaining to the claim have a distinct career advantage over those that do not perform to the same standard.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: Adjuster - Technical
Credit #: MB6235
Accrediting Provinces:
Ensure you and your staff remain compliant with the Insurance Act and the Insurance Council of BC's requirements.
In this three part course you will be guided through the regulatory responsibilities expected of an Insurance professional in the province of B.C. This course starts out with an introduction to the Acts, statutes, and regulatory bodies that are empowered to oversee the insurance industry in BC and briefly addresses privacy issues.
Lesson 2 moves into the Rules that the Insurance Council of British Columbia has implemented in order to provide the administrative structure for provincial brokers and adjusters. These rules include licensing, educational requirements, individual responsibilities, the complaints process and disciple procedures.
Lesson three completes the course with a detailed look into the Council Code of Conduct and recent disciplinary rulings. Each lesson includes an exam to ensure the required level of comprehension has been met. It is highly recommended this training be completed by all BC Licensees.
*Please note: this is NOT the mandatory "Councils Rules Course" for BC individuals who obtain an insurance licence on or after March 1, 2016.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / Life/A&S - Technical
Accrediting Provinces:
In this course, we will look at skills required of all effective leaders in order to recognize and reward employees.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Management / General/Adjuster
Accrediting Provinces:
Business Income - Profits Form - Lombard Canada - Part 1
Business Income (Profits) insurance, traditionally referred to as Business Interruption Insurance, is one of the most important and yet most widely misunderstood of all insurance coverages.
This course is designed to provide a summary of the key clauses contained in Lombard Canada's Business Income (Profits Form).
Outline:- Coverage Analysis
- Key Clauses (Insuring Agreements)
- Coverage
- Limit of Liability
- Perils Insured
- Exclusions
- Measure of Recovery
- Insured Standing Charges
- Extensions of Coverage
- Permission
- Subrogation
- Property Protection Systems
- Special Provisions
- Premium Adjustment Clause
- Suspension - Objects
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51172; MB# 19691
Accrediting Provinces:
This is the last in a series of two courses dealing with the Business Income (Profits Form) developed by Lombard Canada. [Reference: CBP 5200 (10/98)]
We will accomplish the following things in this course:
- Analyze the Insuring Agreements which deal specifically with the manner in which a claim will be paid.
- Complete a Profits Worksheet for our clients.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB12317
Accrediting Provinces:
Business interruption insurance, also called "business income" insurance, is one of the most important and yet most widely misunderstood of all insurance coverages. Fact: We don't need an extensive financial background or training to effectively explain how business interruption insurance works. Nothing could be further from the truth. After completing this course, you will know a lot about business interruption insurance and, specifically, the Profits Endorsement Form. From there, it is just a matter of communicating that information in a way that your prospects will understand.
This course is broken down into three components:
Component A - Introduction to Business Interruption Insurance
- The Importance of Separate Business Interruption Insurance
- Two Types of Business Interruption Endorsements
- The Role of The Broker in The Sales Process.
Component B - Profits Endorsement Form: A Coverage Analysis
- Indemnity Agreement
- Section 6. Provisions (a)-(g)
- Section 7. Premium Adjustment
- Extensions of Coverage
- Other Common Clauses
Component C - Profits Endorsement Form: A Coverage Analysis Continued
- Indemnity Period - Duration of Coverage
- Measure of Recovery
- Payroll Option
- Insured Standing Charges
- Definitions
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #56637, MB#30091
Accrediting Provinces:
Business Interruption Insurance Video Course
This course provides general information about Business Interruption Insurance and identifies issues Broker's face when issuing policies. This video course is presented by Todd Hochban.
Outline
- What Bodily Injury Policies Accomplish
- Coverage Options
- Coverage Similarities
- Coverage Differences
- Earnings Form
- Profits Form
- Other Time Element Coverages
This course qualifies for 1 continuing education credit hours (Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51173; MB# 19614
Accrediting Provinces:
Cargo claims represent one of the largest categories of property and liability claims both in number and value. The diversity of these types of claims makes their successful handling dependent upon professionals with particular skills and experience. Efficient handling of cargo claims requires knowledge about the different types of carriers, knowledge of operational procedures, logistics, cargo types, and contracts. The claims person needs to have a basic understanding of such things as how a reefer container works as well as different, but equally important, carriage method issues that may arise in the successful resolution of a claim. Examples of cargo claims leave no doubt in one’s mind that protection through freight insurance is essential to all stakeholders.
The purpose of this course is to prepare the participant to competently handle the discussion of cargo coverage and its important benefits, as well as to explain and assist in the claims process.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#59899 MB38695
Accrediting Provinces:
No brokerage wants to have to deal with an E&O claim. According to business experts, E&O claims are preventable. If we accept that, the next question is, �What can we do in our brokerage to prevent an E&O claim�? As a first step, we need to know the categories and/or sources of E&O claims and, once we know that, we can start developing a formal E&O program to prevent them from happening. Objective In this Part, the focus of our study will be on 10 Categories and/or Sources of E&O Claims.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC#59900; MB 14079
Accrediting Provinces:
According to business experts, E&O claims are preventable. If we accept that, the next question is, "What can we do in our brokerage to prevent an E&O claim"? As a first step, we need to know the categories and/or sources of E&O claims and, once we know that, we can start developing a formal E&O program to prevent them from happening. In this Part, the focus of our study will be on 10 Categories and/or Sources of E&O Claims.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC#60378; MB 14068
Accrediting Provinces:
CGL - The Law and Commercial Liability Insurance Part 1.
This course is part of a series of courses reviewing the Commercial General Liability Policy, based on the new IBC Form 2100 CGL. Presented by Todd Hochban, this video course focuses on the Canadian Legal Basics.
Outline
- Types of Legal Systems
- Tort Law - Elements of a Tort
- Contract Law and Statute Law
- Awards for Damages in Civil Law
- Most Common Exposures of Businesses
- Common Civil Law Defenses
This course qualifies for 1 continuing education credit hour (Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51174; MB# 19615
Accrediting Provinces:
CGL - BI and PD Liability Part 2.
This course is part of a series of video courses reviewing the Commercial General Liability Policy, based on the new IBC Form 2100 CGL. Presented by Todd Hochban, this video course focuses on Coverage A - Insuring Agreement.
Outline
- History of CGL
- Bodily Injury and Property Damage
- Legal Obligations
- Compensatory Damages
- Occurrence
- Coverage Territory
- Right and Duty to Defend
This course qualifies for 1 continuing education credit hour (Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51175; MB#19616
Accrediting Provinces:
CGL - BI and PD Liability Exclusions Part 3.
This course is part of a series of video courses reviewing the Commercial General Liability Policy, based on the new IBC Form 2100 CGL. Presented by Todd Hochban, this video course focuses on Coverage A - Exclusions.
Outline
- Losses Expected or Intended
- Losses Assumed in Contract
- Bodily Injury to Employees
- Aircraft and Watercraft
- Automobile
- Property Damage to Property in Your "CCC"
- Property Damage to Your Product or Work
- Recall of Your Product
- Other Exclusions
This course qualifies for 1 continuing education credit hour (Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51176; MB# 19617
Accrediting Provinces:
CGL - Insuring Agreements B-D Part 4.
This course is part of a series of video courses reviewing the Commercial General Liability Policy, based on the new IBC Form 2100 CGL. Presented by Todd Hochban, this video course focuses on The Law and Commercial Liability Insurance.
Outline- Legal Fundamentals
- Legal Precedents
- System
- Tort
- Negligence
- CGL Wordings Analysis
- Other Liability Coverages
This course qualifies for 1 continuing education credit hours (Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51177; MB#19620
Accrediting Provinces:
Claim departments play a significant and often under estimated role in the financial management of an insurance company. The obvious conclusion to both insiders and outsiders is that vast sums of money are required to settle claims. There is a much bigger picture that is neither well understood nor effectively practiced. That is the impact that reserves, emanating from the claims department, have on the entire company. To many adjusters the reserves placed on unpaid files are a matter of routine. The focus is limited to file handling. Similarly, not all members of claims management are aware of how these reserves fit into the bigger corporate picture.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: AIC#59901; MB6236
Accrediting Provinces:
The objective of this course is to confirm that you are doing things that your customers expect from you and to support you in enhancing the service you already provide.
Topics covered include:- Eight ways to improve the service we provide to our Customers
- Assessing your customer service skills
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 0
Credit Type:
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: Adjuster - Technical
Credit #: MB10944
Accrediting Provinces:
COMCRIME01-R Commercial Crime - Video Course
Providing a general overview of Crime Insurance in Canada, this course provides valuable information for any business owner. This video course is presented by Todd Hochban.
Outline
- Facts and Statistics
- Business Exposures; Vandalism, Espionage and Shoplifting
- Crime Insurance Coverages
- Definitions
- Exclusions
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51178; MB# 19641
Accrediting Provinces:
Every business has an exposure to crime losses that can be covered with insurance. The crime insurance form used for most businesses today includes a variety of crime coverages in a single rider. This rider is the Comprehensive Dishonesty, Disappearance and Destructive Rider, also called the 3D Rider (3D Policy) by most brokers and underwriters.
This course is one of two parts and covers the following topics:
- Description of Coverages
- Definitions
- Insuring Agreements l-V: An Analysis.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #56639, MB#30092
Accrediting Provinces:
Every business has an exposure to crime losses that can be covered with insurance. The crime insurance form used for most businesses today includes a variety of crime coverages in a single rider. This rider is the Comprehensive Dishonesty, Disappearance and Destructive Rider, also called the 3D Rider (3D Policy) by most brokers and underwriters.
In Part 1 of the Commercial Crime Insurance 3D Policy Analysis Course, you studied an analysis of insuring agreements I-V. In this second part, we will be looking at the various rules that govern how the Insuring Agreements l-V work. The topics to be discussed include:
- General Agreements
- Conditions and Limitations: Section 1-19
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #56640, MB#30093
Accrediting Provinces:
The biggest financial investment for business owners is in the tangible property they use in their business. These assets need to be protected by insurance. The commercial property insurance form used for most Canadian businesses is the Broad Form.
It can be purchased as a separate policy or, for businesses that qualify, it may be included as one of the four primary coverages:- Property Insurance
- Business Interruption Insurance
- Crime Insurance
- Commerical General Liability Insurance
For the most part, these package policies include all of the coverages a small retail or service business needs. Having said that, it is still the responsibility of the broker to do a proper analysis of the risk to ensure there are no coverage gaps. For the purposes of this course, we will look at the Broad Form as a stand-alone policy.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51179; MB# 20661
Accrediting Provinces:
The Broad Form policy is not new - it has been used to provide insurance for commercial property since at least the 1980s. The latest version of the Broad Form contains a number of changes and coverage enhancements that more adequately reflect the loss exposures of business owners than was present under the previous IBC 4037 Broad Form.
As the course title suggests, this is the second part of the three course series dealing with the Broad Form used to provide insurance for owners of commercial property.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51180; MB# 20662
Accrediting Provinces:
The Broad Form policy is not new � it has been used to provide insurance for commercial property since at least the 1980s. The latest version of the Broad Form contains a number of changes and coverage enhancements that more adequately reflect the loss exposures of business owners than was present under the previous IBC 4037 Broad Form.
As the course title suggests, this is the third and final part of the series dealing with the Broad Form used to provide insurance for owners of commercial property.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51181; MB# 20663
Accrediting Provinces:
ComPropCombined - Commercial Property Coverages - Video Course
This course covers Commercial Property Insurance. Presented by Todd Hochban, this video course reviews the various Commercial Property coverages available in the marketplace, including the basic Fire Policy, Fire and Extended Coverage Form and the Commercial Building, Equipment and Stock Broad Form.
Outline
- Fire Policy; Coverages, Exclusions and Extensions
- Commercial Building, Equipment and Stock Broad Form
- Broad Form Policy, Property Excluded
- Commercial Property Coverages
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51182; MB#19642
Accrediting Provinces:
This course provides a basic understanding of the concepts of Commercial Property Insurance and Co-Insurance. The definitions make clear what is meant by particular words and phrases used in policies pertaining to the topics listed below. Many specific case examples are provided, which allow students to connect the language of the policy contract to real-life scenarios that illustrate various aspects of commercial property insurance. Short quizzes are included for students to check their understanding.
Includes the following topics:
- Declarations Page Defined
- Additions and Extensions
- Materials, equipment and supplies for maintenance
- Tenant’s improvements
- Contents and contents coverage extensions
- All Property
- Specifics of Coverage Extensions pertaining to the Building and to Contents
- Deductibles
- Co-Insurance
- Insured Perils/All Risks
- Endorsements, Riders and Floaters
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60399; MB33924
Accrediting Provinces:
Commercial Property Insurance: All Risks Policies - What's Covered and What's Not
This course analyzes the "All Risks" Insuring Agreement contained in commercial property insurance policies with a focus on Property Exclusions. A review of each property exclusion will help you determine what is "covered" and "not covered" on commercial property insurance policies.
Outline:
- Origin of "All Risks" Policies
- All Risks Policies - A Combination of "All Risks" and "Named Perils" Policies
This course qualifies for 2 continuing education credit hours (General/Adjuster - Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51183; MB# 19688
Accrediting Provinces:
Commercial Sales - Video Course
An estimated 80% of sales are generated by only 20% salespeople in a brokerage. This course reviews the sales process for Commercial Lines, and provides the skills necessary to be successful. Presented by Todd Hochban, this video course provides you with learning techniques on how to sell.
Outline- Sales Process
- Objectives
- Customer Service
This course qualifies for 1 continuing education credit hours (Personal Skills).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Personal Skills / General/Adjuster
Credit #: AIC #51184
Accrediting Provinces:
This course provides an overview of the differences between residence coverage for an independent homeowner and the coverage for an owner of a unit within a strata. It also outlines coverages for condominium owners and the strata corporation, itself, as an owner. The course further gives participants the details of particular strata insurance coverages for both owners and for the Strata Corporation.
Topics Covered Include:
- The nature of policies for Unit Owners and for Condominium Owners or Strata Corporations
- The contents of the Strata Declaration
- Respective responsibilities of the unit owner and the Strata Corporation
- Definition of a Bare Land Strata or Condominium
- Definition of Common Property and Limited Common Property
- Specifics of owner coverage and unit owner Liability
- Contingency Coverage and Loss Assessment Coverage
- Liability of Strata Board of Directors
- Bylaws, Rules and Regulations of the Strata Corporation
- Issues around Duty to Repair
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#53305; MB#33503
Accrediting Provinces:
This course focuses on the property insurance needs of individual condominium unit owners. Topics discussed include:
- A Legal Perspective
- Legal Structure
- Property Insurance Obligations
- Condominium Unit Owners Package - Comprehensive Form:
- Policy Analysis
- Section I - Property Coverages
- Definitions
- Coverage C - Personal Property
- Coverage D - Loss of Use of Your Unit
- Unit Protection
- Unit Improvements and Betterments
- Loss Assessment
- Unit Additional Protection
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#59910; MB12320
Accrediting Provinces:
The complexity of claim handling continues to grow. Two contributing factors are consumer influence and the prevailing legal environment. These sources create the legal and social expectations that are used to measure the effectiveness of the claims industry. Although the expectations are affected by ongoing change, the industry uses these benchmarks to evaluate its performance.
The focus of this course is to examine the potential impact to claims organizations stemming from corporate conduct and the behaviour of those within the company that are responsible for processing and settling claims.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: Adjuster - Technical
Credit #: MB 9060
Accrediting Provinces:
The complexity of claim handling continues to grow. Two contributing factors are consumer influence and the prevailing legal environment. These sources create the legal and social expectations that are used to measure the effectiveness of the claims industry. Although the expectations are affected by ongoing change, the industry uses these benchmarks to evaluate its performance.
The focus of this course is to examine the potential impact to claims organizations stemming from corporate conduct and the behaviour of those within the company that are responsible for processing and settling claims.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: Adjuster - Technical
Credit #: AIC#60400
Accrediting Provinces:
It has been said that the insurance policy is one of the most complex documents we will ever encounter. Just look at the sheer volume of cases that have passed through our courts, contesting the meaning and testing the application of the wording against specific losses. When faced with questionable coverage situations of policy breeches you only get one chance to get it right. If you have any concerns about handling such controversies, Contract Law and the Insurance Policy is designed for you. It is a guide to understanding the key principles of contract law including the very same legal doctrines that the courts rely on to make their decisions.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: Adjuster - Technical
Credit #: MB10942
Accrediting Provinces:
Most commercial insurance producers will, at one time or another, have dealt with prospects such as gyms and exercise clubs, ski hills, gun clubs, special events organizers, etc. who have attempted to avoid liability for bodily injury to participants by having them sign a 'waiver' or 'release of liability.' The key question we have to wrestle with as insurance brokers is 'How do the courts view these documents?' Or, said another way, ''How successful are these contractual exclusions of liability when used as a defence to negligence claims?' This course attempts to answer that question.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60380; MB6278
Accrediting Provinces:
Coping with Job Stress and Harassment
Job Stress costs employers many millions of dollars in lost production in Canada each year. In our "new economy", workers are often expected to do more with less time and less support. This can lead to job stress.
The information in this course is drawn from the book entitled Surviving Job Stress - How to Overcome Workday Pressures by John B. Arden, Ph.D.
Outline:
- The Use of Medicine and Herbs to Reduce Stress
- Move it!
- Surviving Tech Stress
- Super Stress
- Take Time off; is it an Option?
- Job Fishing
- Make an Attitude Adjustment
- Sleep
- Relax
This course qualifies for 1 continuing education credit hour (General/Adjuster - Personal Skills).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
For the broker, credit insurance can be a new source of income with a low administrative burden. It can be your competitive advantage over the competition by enabling you to provide additional protection to your existing clients or a solution that opens the door to new customers.
This 4 chapter course will give you a solid background on Credit Insurance. In the first chapter you will learn what credit insurance covers. The second chapter will provide you with an understanding of a credit insurance policy. Chapter 3 will discuss the growth of credit insurance nationally and globally. The fourth chapter will outline the role of the broker and how to find credit insurance customers.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC 55874, MB# 27030
Accrediting Provinces:
During this session we will begin by discussing recent changes made to the Personal Information Protection Electronic and Documents Act. This is a natural spring board when discussing cyber insurance with clients. Next, we will briefly look at today’s cyber insurance market place to review common challenges. Then we will roll up our sleeves and get into the actual coverage forms most common in our market. Data Compromise Coverage, Computer Attack Coverage and Network Security Liability Coverage are the three major topics.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60612; MB32089
Accrediting Provinces:
During this course we will focus on Cyber Risk Management, beginning with the identification of Cyber Risks. This involves learning a lot of new vocabulary. Next, we will analyze cyber risks to see what losses are happening and review some statistics. Next, we will look at loss control techniques and what organizations can do to help minimize or eliminate cyber risks. To finish this session, we will discuss the promise of Blockchain.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60348; MB#31683
Accrediting Provinces:
DCPD Alberta Automobile Insurance Reform
The purpose of this course is to provide background and specific details relating to the Direct Compensation for Property Damage (DCPD) changes that will impact Alberta automobile policies as of January 1, 2022. This goal is addressed through a comprehensive review of the previous regulation changes, the upcoming legislative changes, and a discussion of what DCPD will mean for drivers.
This course will cover the following topics:
- Brief background to the reforms
- Review of regulation changes including:
- Minor Injury Regulation
- Diagnostic and Treatment Protocols Regulation
- Automobile Accident Insurance Benefits Regulation
- Automobile Insurance Premiums Regulation
- Changes to Automobile Insurance Rate Board (AIRB)
- What DCPD will mean for drivers
- Changes to claims processing and coverages
- Upcoming changes (through Bill 41) in early 2022
- Driver responsibilities when involved in an accident
- Assignment of fault
- How insurance premiums are affected by DCPD
- Accident examples
- DCPD Summary of Frequently Asked Questions
- Concise review of how DCPD works
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC#59902
Accrediting Provinces:
Dealing with Difficult People - Part 1
This course provides an overview of how to communicate through conflict and how to turn difficult interpersonal situations into productive and enjoyable exchanges. The information in this course is taken from a book entitled "201 Ways to Deal With Difficult People" by Alan Axelrod and Jim Holtje.
Outline:- Dealing with Difficult Colleagues and Bosses
- Group Dynamics, Clients and Other Difficult Situations
This course qualifies for 1 continuing education credit hours (General/Adjuster - Professional/Personal Skills).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
Developing a Customer Service Program for your Business
People today are making their buying decisions based on how they want to be treated. They want to experience great service and they will search out businesses who will provide it. If customers don't get what they want from us, they'll go to a competitor.
Outline:
- Why Do We Need a Formal Customer Service Program?
- Designing a Customer Service Program for Our Brokerage
- Components of a Formal Customer Service Program
- Element One - Developing a Service Strategy
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: RIBO - Management
Accrediting Provinces:
The focus in this Part is on the following topic area: Developing a Formal E&O Program for the Brokerage. The following controls and procedures should be considered for inclusion in your brokerage�s formal E&O program as it relates to the area of commercial lines insurance. They will help to protect you against errors and omissions claims. They will also serve as invaluable evidence for you, your insurers, and your lawyers in the event of such a claim. Finally, if we do a good job of managing our E&O exposure, we improve our chances of keeping our clients, our brokerage owners, and our E&O insurer happy and, as an added benefit, our E&O premiums at an acceptable level. Note: While the majority of the following controls and procedures were developed specifically for commercial risks, many of them will also be useful E&O loss prevention techniques when dealing with personal lines clients.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC#60381; MB 14081
Accrediting Provinces:
The focus in this Part is on the following topic area: Developing a Formal E&O Program for the Brokerage. The following controls and procedures should be considered for inclusion in your brokerage's formal E&O program as it relates to the area of commercial lines insurance. They will help to protect you against errors and omissions claims. They will also serve as invaluable evidence for you, your insurers, and your lawyers in the event of such a claim. Finally, if we do a good job of managing our E&O exposure, we improve our chances of keeping our clients, our brokerage owners, and our E&O insurer happy and, as an added benefit, our E&O premiums at an acceptable level. Note: While the majority of the following controls and procedures were developed specifically for commercial risks, many of them will also be useful E&O loss prevention techniques when dealing with personal lines clients.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC#59903; MB 14069
Accrediting Provinces:
In our business, we need to ask a lot of questions to uncover our customer's needs. In the view of most successful salespeople, 'Questions are the answer'.
But questioning is only half of the answer. We also need to listen to the answers.
Before we can offer solutions to a customer's needs, we need to discover those needs.
We need to question the customer. We need to listen to their answers. We may need to ask additional questions to clarify information. We need to do all of these things to uncover our customer's needs before attempting to present our solutions.
This seminar will explore the areas of 'questioning' and 'listening'. Hopefully, this will enable you to use these two tools more effectively. The better you are at using these skills, the more effective you will be in uncovering your customers' needs and providing solutions to those needs.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
This course provides an overview of the types of non-profit organizations in Canada and outlines the common law and statutory duties of directors of non-profit organizations. Directors and Officers Liability Insurance (D&O) is discussed and explains the policy coverages and details.
Outline:
- Types Of Non-profit Organizations
- Common Law Duties Of Directors Of Non-profit Organizations
- Statutory Duties Of Directors Of Non-profit Organizations
- Incorporated Non-profit Organizations
- Condominium Or Strata Board Of Directors
- Directors And Officers Liability Insurance
This course qualifies for 1 continuing education credit hour (General/Adjuster - Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#51186; MB#19683
Accrediting Provinces:
This is a continuing education course dealing with Director's and Officer's Liability.
In this course we will focus on the following topic areas:
- Introduction To Directors' And Officers' Duties
- Responsiblities Of Directors And Officers
- Employment Law Responsibilities Of Directors And Officers
- Managing Exposures Of Directors And Officers
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: 2 General/Adjuster - Technical / 1 RIBO - Technical
Credit #: AIC#60382; MB6297
Accrediting Provinces:
This course will make participants aware of the general and specific matters surrounding insurance issues with regard to dog bites. Insurance professionals need to be able to show clients the practicality and wisdom of protecting themselves in terms of liabilities associated with owning or accepting temporary responsibility for a dog. Clients ought to be made fully aware of their role and responsibility should they purchase a policy which covers this liability, and also of the actions required of them should there be an incident that could result in a claim.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60401; MB 34364
Accrediting Provinces:
Most scientists agree that for many Canadians, it's not a question of if but when the next big earthquake will hit. Canada is not immune to earthquakes: much of British Columbia is sitting on active seismic zones and parts of Quebec face equally devastating earthquakes. Having said that, earthquake activity can and has occurred in all parts of Canada. As such, it's time for insurance professionals and the public to know more about their exposure to earthquake losses.
In this course, we will look earthquake insurance under the following topic headings, specifically:
- Earthquake Specifics
- Earthquakes and Insurance in Canada
- Risk Management Techniques
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51188, MB# 19692
Accrediting Provinces:
The purpose of this course is to make participants fully informed and capable of explaining to clients the particulars of B.C. Enhanced Care Automobile Insurance.
Course Content
This course covers in-depth the following topics:
- What is Enhanced Care Automobile Insurance
- Savings and Refunds
- ICBC Basic Insurance Rates
- Care and Coverages
- Why ICBC moved to this model
- How the Enhanced Care works
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Accrediting Provinces:
The purpose of this course is to make participants fully informed and capable of providing clients with detailed information on the province’s Enhanced Care Commercial Automobile Insurance and what this insurance model means for their business.
Course Content
This course covers the following topics:
- Introduction to the concept underlying the Enhanced Care Model
- Key changes under Enhanced Care
- Background on 2019 Driver-based insurance model
- Frequently asked questions
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Accrediting Provinces:
Ethics is all about doing the right thing in a particular situation. As insurance adjusters, our clients, insurers and the public expect us to do nothing less.
In this course, we will look at the following topics as they relate to "Ethics and the insurance Adjuster," specifically:
- Defining "ethics"
- Establishing ethical standards - sources of influence
- Basic ethical values and what they really mean
- Adjuster code of conduct principles
- Misconduct. What an Adjuster should not do
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: Adjuster - Technical
Credit #: AIC# 59669; MB 31632 (3 Approved Ethics Credits for SK)
Accrediting Provinces:
Experts have become a necessary and integral part of the insurance claims community. Their opinions can become the deciding factor between a large settlement and a successful mitigation or denial of the claim. In a society where information has exploded, the complexity of many matters before the courts is such that a lay person cannot fully understand the intricacies of arguments which end up there. Here, experts can bring forward evidence and interpretation of evidence based upon their skills, knowledge, and experience that help the other participants to understand these complex matters.
The purpose of this course is to help participants become better acquainted with the role of the adjuster as they are responsible for the selection and management of an expert throughout the claims process. For this to be achieved, participants need to fully understand the expert’s purpose, his or her desired traits, qualifications, and experience.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical (Alberta - Adjuster Only)
Credit #: AIC#59904; MB6237
Accrediting Provinces:
Successful salespeople are always looking for new customers for their products or services. Prospecting includes all means available to salespeople to identify potential clients for the brokerage. It's an essential step in producing new business. Who are your prospects? What should your 'prospecting' goal be?
Even when their 'leads' are generated for them by other brokerage staff, the best insurance salespeople are always prospecting.
Topics covered in this course include:
- Why some producers are not good prospectors
- Prospecting Strategies - How to find the right people
- Planning your approach
- Helpful hints when dealing with any prospect
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
Financial management is the big-picture enterprise of which record-keeping is one significant activity. Overseeing the assets, liabilities, capital structure, income and expenses of the brokerage to support its profitability is the function of financial management. In order to produce the "numbers" that add up to success, managers must possess the skills to orchestrate all the elements that contribute to the financial picture.
By the end of this course you will be able to:
- Describe the main activities that comprise the financial management cycle
- Describe the concepts involved in managing incomes and expenses
- Explain tax factors regarding employee compensation and equipment leasing
- Explain how to measure brokerage performance through financial analysis
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: MB#30089
Accrediting Provinces:
Lesson 1 of The New Guidance on Fair Treatment of Customers addresses the creation of the Guidance document, its purpose and scope, as well as an explanation of the document’s impact on five key areas of the industry’s activity. Lesson 2 of the course deals with the Customer Outcomes the industry hopes to achieve, as well as the specific attitudes and practices on the part of industry representatives which will accomplish these goals. There are twelve distinct outcomes articulated and for each of these outcomes there are behaviors which can be observed and monitored.
Successful participants of the course will:
- Understand the purpose and scope of the Guidance document
- Be able to explain the way the conduct of insurance business is supervised
- Know the importance of acting in compliance with the laws, regulations and guidelines to which representatives are subject
- Understand the importance of protecting the privacy of Customer information
- Possess the vocabulary, the understanding and the knowledge-base for explaining and discussing the issues around the Guidance document on the Conduct of Insurance Business and Fair Treatment of Customers.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: 1 RIBO - Management / 2 General/Adjuster - Technical / 1 RIBO - Ethics / 2 Life/A&S - Technical
Credit #: MB34143; AIC55509
Accrediting Provinces:
Up until the mid-1960s, homeowners rarely purchased the insurance coverages we take so much for granted today. In fact, a lot of homeowners purchased coverage for their dwelling only, believing their belongings had little value. Also, as no one expected to be sued, many homeowners resisted all efforts to sell them personal liability insurance.
The Homeowners Forms of the 1970s helped to solve the problems of inadequate coverages and limits. These forms included all three coverages and more. However, insurers still had a problem: people were under-valuing their homes. This problem took many years to solve and it was not until the 1980s that valuation guides were required to be completed for all new applications for homeowners insurance.
Course 1 of this five-part series covers Property Coverages Agreements & Definitions.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51189; MB# 20892
Accrediting Provinces:
Part Two of Five is a continuation of Part One Homeowners Comprehensive Forms.
A limit of insurance will be stated on the policy for the property being insured by it. If there is no such limit indicated, there is no insurance for that property.
Example: All Homeowners Forms provide four insurance coverages under Section l - i.e.) Coverages A-D. As such a limit of insurance will be stated on the Coverage Summary page for each of them.
This lesson covers the following points in detail:
- Coverage A - Dwelling Building
- Coverage B - Detached Private Structures
- Coverage C - Personal Property
- Special Limits of insurance
- Coverage D - Additional Living Expenses
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51190; MB# 20893
Accrediting Provinces:
Part Three of Five is a continuation of Part Two Homeowners Comprehensive Forms.
All IFC/IBC Homeowners Forms provide a number of coverages called Extensions of Coverage. These coverages are designed to insure property and/or losses which would not otherwise be insured by those forms. As such, the term �Extensions of Coverage� best describes their purpose.
In most cases, the amount of insurance provided for a particular Extension of Coverage is not additional insurance.
The objectives of this course are to provide knowledge about the following points:
- Debris Removal
- Property Removed
- Moving to Another Home
- Fire Department
- Lock Replacement
- Tear Out
- Arson Conviction Reward
- Credit or Debit Cards etc.
- Inflation
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51191; MB# 20894
Accrediting Provinces:
Part 4 of 5 of the Homeowners Comprehensive Forms - Insured Perils and Exclusions.
From the late 1940s to the mid-1960s, the insurance coverage provided for homeowners was generally limited to fire and certain extended coverages. These policies were referred to as Fire and Extended Coverage policies. However, in the 1960s, insurers seeking to increase their market share decided the time was right to introduce the new and broader "all risks" homeowners' policies.
The initial reaction of many brokers and insurance company underwriters was that these all risks forms would not be around for long. In their opinion, it would be only a matter of time before insurers would begin to "lose their shirts," forcing them to return to the more limiting Fire and Extended Coverage forms. That didn't happen and today most homeowners' insurance is sold on an "all risks" basis. Lessons Covered:
- All Risks Homeowners Forms
- A Brief History
- Insurance Perils
- Notice to Authorities
- All Risk Coverages Removed
- Specified Perils Coverage
- Exclusions 1 - 30
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51192; MB# 20895
Accrediting Provinces:
Part 5 of 5 of Homeowners Comprehensive Forms- Basis of claim Payment and other terms.
The Final portion of this Five-part series Concludes with Property Insurance policies and describe the way claims will be paid. This essential information forms a part of the insurer�s contract with the insured.
The following information applies to all Homeowners Forms:
Lessons Covered:
- Basis of Claim Payment
- Dwelling and Attached Private Structures
- Personal Property
- Replacement Costs
- Actual Cash Value
- Pair and Set
- Parts
- Deductible
- Amounts not reduced
- Insurance under more than one policy
- Subrogation
- Duties after loss
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51193; MB# 20896
Accrediting Provinces:
Homeowners Insurance - What You Need to Know About Fraudulent Claims
Insurance fraud costs Canadians over $1 billion each year. Between inflating legitimate claims, fabricating entire claims or purposely creating circumstances in which property and goods are stolen or destroyed, Canadian fraudsters have tried it all. This course examines insurance fraud in Canada and explores the industry�s role in combatting it.
Outline:
- The Fraud Issue
- The Players And Why They Do It
- Red Flags: Recognizing Potentially Fraudulent Claims
- What The Insurance Industry Can Do
This course qualifies for 1 continuing education credit hours (General/Adjuster - Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51194; MB# 19651
Accrediting Provinces:
Homeowners Liability Insurance Legal Standards and Precedents
A basic knowledge of the law will enable insurance brokers to identify many of their clients' liability exposures and recommend proper insurance protection. This course examines the case law, liability insurance and the standard of conduct expected by the law.
Outline:
- Introduction to the Law and Liability Insurance
- Homeowners' Policies: Coverage E - Legal Liability and Special Limitations
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#51195; MB#19628
Accrediting Provinces:
Homeowners Property Coverage (Standard Wording) Part 1
There are certain characteristics common to most Homeowners Forms. We look at those in this course which is based on IBC wordings. We pay special attention to key definitions in Section 1 - Property Coverages, as well as analyze the coverages available under Section 1.
Outline:
- Introduction to Property Coverages
- Section I - Property Coverages: Key Definitions
- Section I - Property Coverages: An Analysis
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC #51196; MB# 19636
Accrediting Provinces:
Homeowners Property Coverage (Standard Wording) Part 2
There are certain characteristics common to most Homeowners Forms. We look at those in this course which is based on IBC wordings . This is a continuation of Homeowners Property Coverages based on Standard Industry Wordings. Part 2 continues to look at characteristics shared by Homeowners Forms, with special attention given to Coverage C - Personal Property; Special Limits of Insurance; Extensions of Coverage; and Basis of Claim Payment.
Outline:
- Special Limits of Insurance
- Extensions of Coverage
- Basis of Claim Payment
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC #51197; MB#19637
Accrediting Provinces:
The service experts all agree that every time a customer leaves our premises, they will form an opinion of how well they have been served. If we do a good job in meeting their service expectations, they will be satisfied, tell others, and come back. If we don't do a good job, they won't be back and worse still, they will tell others about we've failed them.
The message provided in this workshop is simply this: Develop a formal customer service program before your competitors do - it will help you to grow and prosper!
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management
Accrediting Provinces:
'Identity theft' and 'identity fraud'; these are terms used to describe all types of crime in which someone wrongfully obtains and uses another person's data in some way that involves fraud or deception.
For adjusters, properly handled investigations and early expertise into this emerging market can prove to be beneficial. First hand experience of these losses can add to the adjusters asset value to his or her employer. Interviewing victims of identity theft offer insight into the vulnerabilities that are exploited by criminals. Armed with this information claims people are in the best position to offer suggestions to the insurer on recommended policy wordings and prevention tips that the company can offer its client base.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: Adjuster - Technical
Credit #: AIC#60402
Accrediting Provinces:
'Identity theft' and 'identity fraud'; these are terms used to describe all types of crime in which someone wrongfully obtains and uses another person's data in some way that involves fraud or deception.
For adjusters, properly handled investigations and early expertise into this emerging market can prove to be beneficial. First hand experience of these losses can add to the adjusters asset value to his or her employer. Interviewing victims of identity theft offer insight into the vulnerabilities that are exploited by criminals. Armed with this information claims people are in the best position to offer suggestions to the insurer on recommended policy wordings and prevention tips that the company can offer its client base.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: Adjuster - Technical
Credit #: MB5754
Accrediting Provinces:
In this course, we will look at skills required of all effective leaders under the following headings:
Part 1 – Leadership
- Thirty Important Leadership Fundamentals
- Taking Over
- Setting Standards
- Creating a Strategic Vision
- Establishing Priorities
- Making the Big Decisions
- Decentralizing and Getting Feedback
- Leading During Change and Crisis
- Dealing with the Downside
- Handling the Media
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Management
Accrediting Provinces:
In Part 2, we will look at the additional things you must do in the organization to become a more effective leader and/or manager, specifically:
Part 2 - The People And The Organization
- Working for the Big Boss - 9 Types of Bosses and What Makes Them Tick
- Hiring - How to Recruit and Select the Right People
- How to Take Care of your People - Rewarding and Promoting Employees
- How to Counsel Associates re: Performance Issues
- Complimenting Creatively to Promote Individual and Organizational Morale
- Teaching and Reading - Two Duties of All Leaders
- Firing Employees - It Goes with the Territory
Part 3 - Personal And Professional Growth And Education
Looking at Yourself - 20 Things That Will Help You to Become a More Effective Leader
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Management
Accrediting Provinces:
On July 1, 2012 major reforms to the Alberta Insurance Act came into effect. This course introduces those reforms and covers:
Part A: Introduction to the Reforms:- Section 1: Structural Reform
- Section 2: Electronic Communications
- Section 3: Requirements for Giving Notice of Statutory Process
- Section 4: Requirements for Giving Notice of Limitation Periods
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51198
Accrediting Provinces:
On July 1, 2012 major reforms to the Alberta Insurance Act came into effect. This course picks up where Unit 1 left off and covers:
Part A: Introduction to the Reforms:
- Section 5: Exclusions from Statutory Conditions
- Section 6: Excluding Certain Causes of Fire
- Section 7: Recovery by an Innocent Co-insured
- Section 8: Restricting Statutory Access to Parts of Group Contract
- Section 9: Cooling Off Periods
- Section 10: Transitional Provisions for P&C, Life and A&S Contracts
Part B: Reducing Classes of Insurance
Part C: Ombudservice Membership Requirement
Part D: Unjust or Unfair Clauses to Contract
Part E: Overdue Life/Health Insurance Payments
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51199
Accrediting Provinces:
This course introduces the major reforms to the Insurance Act of Manitoba, that came into effect on September 01, 2014.
The course examines the substantial changes to the Act, including:- Introduction to the Reforms
- Consultations and Goals of Change
- Date Laws are Effective
- The Goals Established
- The Need for Reform
- Overview of Significant Amendments
- Structural Reform
- Electronic Communications
- Requirements for Giving Notice of Limitation of Actions
- Causes of Fire
- Recovery by Innocent Co-insureds
- Access to Parts of Group Insurance Contracts
- Right of Rescission (Cooling Off Periods)
- Disclosure of Licensing or Disciplinary Actions
- Regulatory Framework for Incidental Sellers of Insurance
- Rules About Gift Giving
- Brokers or Agents Fees on Commercial Insurance
- Insurance Compliance Self-Evaluative Audit
- Use of Credit Information
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / Life/A&S - Technical
Credit #: MB# 23746
Accrediting Provinces:
Learn the ins and outs of liability insurance in Canada, as well as specifics for Quebec. This 10-chapter video and text course covers the ABC rule of negligence, defences against negligence, standard CGL policies and other liability coverages.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51200; MB# 20664
Accrediting Provinces:
Demand for insurance products and services remains as strong as ever but there has been a fundamental shift in the channels consumers choose to make their purchases. Insurance is generally bought directly through an insurer (through its captive agents, the web or other direct channels) or through independent agents and commercial brokers who provide access to the products of several insurers. Agreements bind brokerages and insurance companies together. The terms of these can vary according to the companies involved. These agreements will document the relationship that exists between the two parties.
By the end of this course you will be able to:
- Explain independent and direct channels of insurance distribution in Canada
- Describe agreement between a broker and an insurer
- Describe factors considered by a brokerage to choose an insurer
- Descrive factors considered by an insurer to choose a brokerage
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB#30086
Accrediting Provinces:
This course is intended to give an understanding of marine insurance. We will look at everything the average broker needs to know:
- the types of boats that are to be insured;
- the type of coverage that is available to boat owners;
- the trading limits that define the area where the boat can be used; etc.
As well, we will review how to get the underwriting information required to write the policy.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51201; MB# 19693
Accrediting Provinces:
The objective of this course is to provide knowledge about Cyber Risks for Insurance Industry Professionals. This course is designed for those needing to understand, create awareness, or refresh their knowledge of how technology use is increasingly accompanied with both risks, and opportunities, for businesses operating in Canada, and focuses on efforts to counter threats.
Topics Include:
Lesson A:
Section One: Evolution of insurance and new threats
Section Two: Cyber attacks
Lesson B:
Section Three: Common attacks by industry
Section Four: Notable cyber attacks
Section Five: Cybercriminals
Lesson C:
Section Six: Risk factors and risk management
Section Seven: Laws and legislation
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical / Life/A&S - Technical
Credit #: AIC 56201, MB 39301
Accrediting Provinces:
This course provides skills and training for employees on the topic of insurance fraud. Topics covered include techniques for identifying the common signs of fraud, behaviors associated with these actions, common varieties of fraud, and situations where insurance fraud commonly occurs.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51202; MB# 23433
Accrediting Provinces:
The goal of this course is to educate insurance professionals in ways to enhance claim handling services to give them a competitive advantage. The course includes references from insurance experts regarding effective claims processing. It draws on tips, suggestions and recommendations they provide that are designed to ensure the smooth handling of claims.
The course also reviews common law duties that generally apply when handling insurance claims. This course is not intended to provide legal advice but to convey limited information regarding legal principles which apply during the claims process.
Topics include:- Basic Duties of Claim Handlers
- An Overview of Claim Processing
- Understanding Claim Flow Interactions and Communication Channels
- Key Communication Skills in the Claims Environment
- Techniques for Dealing with Claimants
- Tips for Mitigating Claims
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51203; MB# 23256
Accrediting Provinces:
The course provides an overview of the various forms of protection that fall under the heading of Travel Insurance Assistance Services Coverage.
Topics include:
- The need for insurance and travel insurance, along with an overview of its history and development over time.
- An overview of the common law duties associated with an insurance contract and the obligations that come with these.
- How the various Assistance Services minimize the financial risks of travel.
- A look at the benefits and limitations of the Global Assistance Hotline (24/7) Services Coverage provided, including the terms, conditions and examples of circumstances where it may prove beneficial.
- How Travel Medical Assistance benefits travelers, including examples of its use, and application of certain terms and conditions.
- The terms and conditions that apply specifically to Roadside Assistance Services along with examples of situations where it has protected travelers.
- The terms and conditions governing Concierge Services coverage, along with examples of situations where it can protect an insured traveler.
- How Business Assistance Services coverage aids business travellers, including examples of its use, and application of certain terms and conditions.
- A look at the benefits and limitations of Identity Theft Services, its terms, conditions.
- How Passport/Credit Card Services minimizes the financial and security risks of travel.
Lessons:
Global Assistance Hotline (24/7) Services Coverage
Travel Medical Assistance Coverage
Roadside Assistance Services Coverage
Concierge Services Coverage
Business Assistance Services Coverage
Identity Theft Services Coverage
Passport/Credit Card Services Coverage
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51204, MB# 25587
Accrediting Provinces:
The course provides an overview of the various forms of protection that fall under the heading of Travel Insurance Life and Body Protection Coverage.
Topics include:
- The need for insurance and travel insurance, along with an overview of its history and development over time.
- An overview of the common law duties associated with an insurance contract and the obligations that come with these.
- How Life and Body Protection Coverage minimizes the financial risks of travel.
- A look at the benefits and limitations of Life Protection Coverage, its terms, conditions and examples of circumstances where it may prove beneficial.
- How Body Protection Coverage benefits travelers, including examples of its use, and application of certain terms and conditions.
- The terms and conditions that apply specifically to Accidental Death and Dismemberment (AD&D) along with examples of situations where it has protected travelers.
- The terms and conditions governing Flight Accident Coverage, along with examples of situations where it can protect an insured traveler.
- How Security and Political Evacuation coverage aids travelers, including examples of its use, and application of certain terms and conditions.
Lessons:
Accidental Death and Dismemberment Coverage (AD&D)
Flight Accident Coverage
Security and Political Evacuation Coverage
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51205, MB# 25008
Accrediting Provinces:
The course provides an overview of the various forms of protection that fall under the heading of Travel Insurance Loss or Delay Protection Coverage.
Topics include:
- The need for insurance and travel insurance, along with an overview of its history and development over time.
- An overview of the common law duties associated with an insurance contract and the obligations that come with these.
- How Loss or Delay Protection Coverage minimizes the financial risks of travel.
- A look at the benefits and limitations of Loss Coverage, its terms, conditions and examples of circumstances where it may prove beneficial.
- How Delay Protection Coverage benefits travelers, including examples of its use,and application of certain terms and conditions.
- The terms and conditions that apply specifically to Baggage Coverage along with examples of situations where it has protected travelers.
- The terms and conditions governing Baggage Delay Coverage, along with examples of situations where it can protect an insured traveler.
- How Missed Connection Coverage aids travelers, including examples of its use,and application of certain terms and conditions.
- A look at the benefits and limitations of Travel Delay Coverage, its terms, conditions.
- How Travel Delay Coverage minimizes the financial risks of travel.
- A close look at Car Rental Collision Coverage and its benefits to those protected
Lessons:
Baggage Coverage
Baggage Delay Coverage
Missed Connection Coverage
Travel Delay Coverage
Car Rental Collision Coverage
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51206, MB# 25009
Accrediting Provinces:
This course is designed for those needing to understand, or refresh their knowledge of the medical and dental coverage for those traveling.
Topics include:- The need for insurance and travel insurance, along with an overview of its history and development over time.
- An overview of the common law duties associated with an insurance contract and the obligations that come with these.
- How Medical and Dental Insurance coverage minimizes the financial risks of travel.
- A look at the benefits and limitations of Medical Insurance coverage, its terms, conditions and examples of circumstances where it may prove beneficial.
- How Dental Insurance coverage benefits travelers, including examples of its use, and application of certain terms and conditions.
- The terms and conditions that apply specifically to Emergency Evacuation
- Insurance coverage, along with examples of situations where it has protected travelers.
- The terms and conditions governing Repatriation Insurance Coverage, along with examples of situations where it can protect an insured traveler.
- How Pre-Existing Insurance coverage aids travelers, including examples of its use, and application of certain terms and conditions.
Lesson A:
Terms used in this course and in the Travel Insurance industry
Section One: History of insurance and travel insurance and its purpose
Section Two: Contract Law
Lesson B:
Section Three: Medical and Dental Insurance Coverage
Section Four: Emergency Evacuation and Repatriation Coverage
Section Five: Pre-existing Condition Coverage
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51207, MB# 25010
Accrediting Provinces:
The course provides an overview of the various forms of protection that fall under the heading of Other Benefits Coverage.
Topics include:
- The need for insurance and travel insurance, along with an overview of its history and development over time.
- An overview of the common law duties associated with an insurance contract and the obligations that come with these.
- How the various Other Benefits coverage available minimize the financial risks of travel.
- A look at the benefits and limitations of the Returning Minor Children Services Coverage provided, including the terms, conditions and examples of circumstances where it may prove beneficial.
- How Emergency Reunion benefits travelers, including examples of its use and application of certain terms and conditions.
- Exposure to the terms and conditions that apply specifically to Pet Care coverage along with examples of situations where it has protected travelers.
- The terms and conditions governing Adventure Activities coverage, along with examples of situations where it can protect an insured traveler who participates in activities of this nature.
- How Sports Activities/Equipment coverage aids travellers who participate in certain activities and this includes examples of its applications, along with terms and conditions that may apply.
Lessons:
Returning Minor Children Coverage
Emergency Reunion Coverage
Pet Care Coverage
Adventure Activities Coverage
Sports Activities and Equipment Coverage
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51208, MB# 25588
Accrediting Provinces:
This course provides an overview of the various forms of protection that fall under the heading of Travel Insurance Trip Protection Coverage.
Topics include:
- The need for insurance and travel insurance, along with an overview of its history and development over time.
- An overview of the common law duties associated with an insurance contract and the obligations that come with these.
- How trip protection coverage minimizes the financial risks of travel.
- A look at the benefits and limitations of Trip Cancellation coverage, its terms, conditions and examples of circumstances where it may prove beneficial.
- How Trip Interruption Coverage benefits travelers, including examples of its use, and application of certain terms and conditions.
- The terms and conditions that apply specifically to trips Canceled for Any Reason coverage, along with examples of situations where it has protected travelers.
- The terms and conditions governing trips Canceled for Work Reasons coverage, along with examples of situations where it can protect an insured traveler.
Lessons:
Trip Cancellation Insurance coverage
Trip Interruption Insurance coverage
Cancel for any Reason Insurance coverage
Cancel for Work Reasons Insurance coverage
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51209, MB# 24959
Accrediting Provinces:
Liability of Owners for their Pets: Legal Precedents
An alarming number of Canadians are injured by animals. While it may seem that dogs, particularly pit bulls and Rottweilers, get most of the attention, there have been some substantial liability claims arising out of the ownership of other animals, including farm animals and exotic pets. This course examines pet owners' liability.
Outline:
- Determination of Liability - Basic Principles
- The Law Respecting Civil Action against Animal Owners
- Liability for Domestic Pets (Dogs and Cats)
- Liability for Farm Animals
- Liability for Exotic Pets
- Animal Ownership: How to Minimize the Risk
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#51210; MB#19634
Accrediting Provinces:
Did you ever wonder why one or two properties remained standing after a forest fire when all the others around them were totally destroyed? There is compelling evidence that property owners can improve the odds against losing their property to a forest fire through proper planning and risk management practices.
In this ILS course, we look at Fire Behaviour, Characteristics of Fire Smart Property, and the things that governments and people can do to minimize the potential for loss to property. Included is a discussion of the February, 2004 recommendations of the Filmon Commission as prepared for the government of BC.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60386; MB12322
Accrediting Provinces:
Ethics is all about doing the right thing in a particular situation. As insurance brokers, our clients, insurers, and the public (and a lot of other people and organizations) would expect us to do nothing less.
In this course, we will look at the following topics as they relate to "Ethics and the Insurance Professional", specifically:
- Defining "Ethics"
- Establishing Ethical Standards - Sources of Influence
- Basic Ethical Values and What They Really Mean
- The Insurance Broker's Dilemma
- What a Formal Ethics Program Will Do For Your Brokerage
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Ethics
Credit #: AIC 56054; MB 27045
Accrediting Provinces:
This 4 Module course is a comprehensive look at: Insurance Council Regulation; Insurance General Matters Regulation; Classes of Insurance Regulation; Agent and Adjuster Regulation; and finishing up with a detailed look at the code of conduct for Life and A&S, General insurance agents and Adjusters.
Because the course is in modules it can be approached by taking the modules independently or all at once.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 4
Credit Type: General/Adjuster - Technical
Credit #: MB 27086
Accrediting Provinces:
Mobile homes offer an affordable housing solution for thousands of residents across Canada. In fact, over 1 percent of the total private dwellings in the country are mobile homes. Therefore, it is important to fully understand the coverages available to residents that choose to live in this type of alternative housing.
Topics include:- Property Coverages: Coverage A, Coverage B, Coverage C, Coverage D
- Common Extensions
- Perils Insured
- Liability Coverages
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51211; MB#20228
Accrediting Provinces:
Topics to be discussed include:
- Mold - Old, But Here to Stay
- The Growing Issue - Mold in the Spotlight
- The Rise of Mold-Related Cases and Claims in Canada
- Detection and Restorative Action
- Risk Management Techniques
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60387; MB12331
Accrediting Provinces:
In this course, we will look the impact of mold on insurers and litigators, first party property claims, third party liability claims and case studies. Topics to be discussed include: 1. Mold - A Problem for Insurers and Litigators 2. Policy Issues 3. Litigation Cases in North America 4. The Future of Mold Claims and Cases
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60388; MB12332
Accrediting Provinces:
This is the first of four courses in this series. This course focuses on the coverages provided in Section 1 – Coverages of the Commercial General Liability Policy (Occurrence Form), also known as the CGL policy; specifically Coverage A: Bodily Injury and Property Damage Liability.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB12312
Accrediting Provinces:
This is the third in the series of four courses dealing with the new CGL policy. In this course, we will discuss the following:
- Coverage B. Personal and Advertising Injury Liability
- Coverage C. Medical Payments
- Coverage D. Tenants' Legal Liability
- Common Exclusions
- Supplementary Payments.
[Reference Document: IFC /05) and Liability Divider ]
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB12314
Accrediting Provinces:
This is the last in the series of four courses dealing with the new CGL policy. In this final course, we will discuss the following:
- Section III - Limits of Insurance
- Section IV � Deductible
- Section V - Commercial General Liability Conditions.
[Reference Document: IFC /05) and Liability Divider ]
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB12315
Accrediting Provinces:
In this course, we will look at occupiers' liability under the following topic headings, specifically:
- Occupiers' Liability - The Basis for Legal Action
- Tort of Negligence: A Common Basis of Legal Action against Occupiers
- Occupiers' Liability Acts
- The Rationale
- Definitions
- Higher Standard of Duty of Care Owed to Children
- Factors used by the Court in Determining Liability of Occupiers
- Suggested Risk Management Techniques
- Slip and Fall Claims
- Was There an Unusual Danger?
- Ought the Defendant to Have Known of the Danger?
- Was Reasonable Care Taken by the Occupier?
- Did the Invitee Use Reasonable Care?
- Host Liquor Liability
- The Basis of Most Alcohol-Related Suits
- The Expansion of Alcohol-Related Liability
- Risk Management for Alcohol-Related Liabilities
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60389; MB38661
Accrediting Provinces:
This course provides you with an understanding of the changes to Ontario's auto laws that became effective June 1st, 2016. This interactive course begins by emphasizing the most significant changes to laws occurring and reasons for revisions.
Topics covered include:
- Introduction to Ontario Automobile Insurance, parts of auto contracts OAP 1
- OPF 2 - Ontario Driver's Policy (non-owned vehicle)(2016)
- OAF 4 - Garage Policy Application / OAP 4 Garage Policy Form (2016)
- Change Forms (OPCFs)
Access Duration from the Date of Purchase: 3 Month(s)
Credit Hours: 3
Credit Type: RIBO - Technical
Accrediting Provinces:
This course is intended to help recognize objections and learn how to handle them in a manner that leads to the successful completion of the sale. One very important aspect about objections is that they are not personal. The customer is objecting to something about the product that is being sold; they are not objecting to the person doing the selling. While many people think of objections as obstacles to the sale, they are really opportunities, specifically:
- Opportunities to learn about the things that are bothering the customer.
- Opportunities to find out what the customer really thinks.
- Opportunities to find out what the real problem is.
Objections can come up at any time in the sales process. Objections are really a sign that the customer has some interest, but they do not yet see the value of your product or service to them. This is particularly true of any objection to price.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
People love their pets. Each year, we spend a lot of time and energy on our furry friends. We also spend a lot of money. Between pet food, toys, cat litter, vet bills, etc., the costs add up quickly. But when our dog or our cat falls ill or is injured in an accident, many of us don't have the money needed to deal with the situation.
However, the increasing availability of pet insurance in Canada is helping pet owners deal with these incurred costs.
In this course, we will look pet insurance under the following topic headings, specifically:
- About Pet Insurance
- The history of pet insurance
- The importance of pets
- Why get pet insurance?
- The Product
- Standard coverages and exclusions
- How to make a claim
- Real life examples
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60390; MB6391
Accrediting Provinces:
This is the first of a three part PIPEDA series developed for brokerage owners, managers and supervisors specifically. This series focuses on the specific internal guidelines and procedures you can implement in your brokerage to safeguard the privacy rights defined in PIPEDA and other relevant laws. Course includes sample privacy policy worksheets.
Course Outline:
Lesson A: Understanding Privacy Laws
Introduction, Definitions and General Requirements
Lesson B: The Principles Begin with Accountability
The 10 Principles of the Privacy Code
Principle 1 -Accountability
Lesson C: Identifying Purposes and Consent
Principle 2 - Identifying Purposes
Principle 3 - Consent
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC#60391; MB6647
Accrediting Provinces:
This is the second of a three part PIPEDA series developed for brokerage owners, managers and supervisors specifically. This series focuses on the specific internal guidelines and procedures you can implement in your brokerage to safeguard the privacy rights defined in PIPEDA and other relevant laws. Course includes sample privacy policy worksheets.
Course Outline:
Lesson A: Principles 4, 5 and 6
Principle 4 - Limiting Collection
Principle 5 - Limiting Use, Disclosure and Retention
Principle 6 - Accuracy
Lesson B: Principles 7, 8, 9 and 10
Principle 7 - Safeguards
Principle 8 - Openness
Principle 9 - Individual Access
Principle 10 - Challenging Compliance
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC#60392; MB6648
Accrediting Provinces:
This is the last of a three part PIPEDA series developed for brokerage owners, managers and supervisors specifically. This series focuses on the specific internal guidelines and procedures you can implement in your brokerage to safeguard the privacy rights defined in PIPEDA and other relevant laws.
Course Outline: Lesson A: The Privacy Commissioner and Complaints
Lesson B: Applications and Audits
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC#60393; MB6649
Accrediting Provinces:
Introduction
The potential for conflict of interest in the insurance industry should be considered as a part of the application process for licensing as well as ongoing licensed practice. Insurance professionals need to be knowledgeable and sensitive to the requirements relating to conflict of interest in their own role and those of their colleagues. Insurance licensees are expected to abide by the Insurance Agents and Adjusters Regulation, AR 122/01 (the “Regulation”).
Purpose
The purpose of this course is to ensure that participants take away the pertinent information provided in the Insurance Agents and Adjusters Regulation, AR 122/01 (the “Regulation”) with regard, in particular, to potential occupations at conflict with the duties of an insurance intermediary in Alberta.
Course Contents
This course covers the following topics:
- Definition of conflict of interest
- Discussion of the term undue influence
- Requirements (In addition to those in the Act) to be met by an individual in respect of a new insurance agent’s certificate of authority
- Listed occupations of licensees which may prevent an applicant from receiving, renewing, reinstating o retaining a certificate of authority due to a potential conflict of interest
- Delegated authority of the Councils with regard to the Regulation
- Investigative files and detailed case studies
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / Life/A&S - Technical
Credit #: AIC#60992
Accrediting Provinces:
Introduction
The potential for conflict of interest in the insurance industry should be considered as a part of the application process for licensing as well as ongoing licensed practice. Insurance professionals need to be knowledgeable and sensitive to the requirements relating to conflict of interest in their own role and those of their colleagues. Insurance licensees are expected to abide by the Conflict-of-Interest Guidelines for Insurance Agents, Adjusters, and Salespersons (Appendix A) in the Insurance Council's Code of Conduct.
Purpose
The purpose of this course is to ensure that participants take away the pertinent information provided in the Guidelines document, as well as a commitment to the standard it describes relating to conflict-of-interest issues and professional conduct.
Course Content
This course covers the following topics:
- Conflict of Interest Guidelines for Insurance Agents, Adjusters, and Salespersons
- Definition of Conflict of Interest
- Monitoring/Managing Conflict of Interest
- Disclosure of Conflicts or Potential Conflicts of Interest
- Need for Consent
Examples of Conflicts of Interest in the following:
-
- All Licence Classes
- Life and Accident and Sickness Insurance Agents (“life agent”)
- General Insurance Agents and Salespersons (“general insurance licensee”)
- Insurance Adjusters
- Licensee Responsibilities – Other Business Activities
- Impact of Other Employment/Business Activities on Licensing
- Frequently Asked Questions
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / Life/A&S - Technical
Accrediting Provinces:
The ILS Principles and Practices of Insurance course uses real-life examples to give you a solid foundation in the principles that guide the insurance industry. Though specific types of insurance are not discussed, the course explores the history and function of insurance; the relationship between risk and insurance; the legal context of insurance and how it works within the judicial system; and, examines the various jobs within the insurance industry and their relationship to each other. The course is broken into twelve chapters, each ending with a quiz to test your knowledge and prepare you for the final exam.
Course Outline:- Chapter 1: Risk and Insurance
- Chapter 2: History and Function of Insurance
- Chapter 3: Ratemaking, Underwriting, and Rating
- Chapter 4: The Insurer
- Chapter 5: Insurance Distribution & Insurance Intermediaries
- Chapter 6: The Law and the Judicial System
- Chapter 7: The Law of Contract Common Law
- Chapter 8: The Law of Contract / The Civil Code of Quebec
- Chapter 9: The Insurance Contract
- Chapter 10: Insurance Documents & Processes
- Chapter 11: Adjusters and the Claims Process
- Chapter 12: Reinsurance/Industry Organizations/The Customer
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical
Credit #: AIC# 51212, MB# 19584
Accrediting Provinces:
The three privacy courses are divided into multiple sections that are designed to take you through a step-by-step analysis of PIPEDA legislation, from origins through to practical application in the claims environment. An example or a question will follow each section to illustrate practical scenarios that most claim personnel will experience in the course of their duties.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: Adjuster - Technical
Credit #: AIC#60375; MB5751
Accrediting Provinces:
Understanding the Act is less complicated than actually applying it to business situations. There are numerous applications that are based on judgment and good sense as opposed to a specific formula. Interpretive situations cannot be standardized. In addition to PIPEDA itself there are factors to consider as a result of interaction other Canadian privacy laws such as the various provincial acts and the Freedom of Information Act. The most practical approach to understanding PIPEDA and its relationship to other applicable legislation is to break it down into segments. This segment is limited to the Ten Principles, which are spelled out in PIPEDA but also the cornerstone of all Canadian privacy laws.
The following is an explanation of each of the principles including their application to claims.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: Adjuster - Technical
Credit #: AIC#60376; MB5752
Accrediting Provinces:
This is the third in a series of privacy courses designed for the claims industry. The first two courses explained the foundation of the legislation and its application to claims. Privacy III - Fraud and Subrogation takes a look at the more extraordinary applications, which are more likely to be subjected to controversial interpretation.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: Adjuster - Technical
Credit #: AIC#60377; MB5753
Accrediting Provinces:
Brokerages often regard themselves as being independent of insurance companies, yet their very existence depends upon the insurance company that assumes the risks represented by the policies the broker sells. This tie, in which the broker is the intermediary between the consumer/client and the insurance company, is articulated in the agreements forged between the two entities. Upon completion of this course you will have a strong understanding of the elements of broker agreements.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB#30087
Accrediting Provinces:
RISKMAN-R Risk Management - Video Course
Risk Management is an integral part of most brokerage operations when discussing coverages with your clients. Brokerages are always looking for ways to provide extra value in the insurance transactions for their customers.
Presented by Todd Hochban, this video course focuses on how using Risk Management in a sales approach can benefit both you and your client.
- What is Risk
- Risk Management Rational
- Benefits to the Broker
- The Five Steps in Risk Management
- Classifying Exposures
- Examine Alternatives
- Selecting Techniques
- Implement Techniques
- Monitor Results
This course qualifies for 1 continuing education credit hour (Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC 51213; MB 19622
Accrediting Provinces:
Risk Management Techniques and Identity Theft
This course examines the impact of identity theft on Canadians, methods in which identity thieves obtain information, case studies and risk management techniques.
Outline:
- What is Identity Theft?
- Watch Your Back - Popular Tricks of Identity Thieves
- True Crime - Identity Theft Cases in North America
- Risk Management Techniques
- Reacting to Identity Theft
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51214, MB#19638
Accrediting Provinces:
The objective of this course is to provide you with knowledge on how to manage, maintain and increase sales to ultimately increase profits.
Topic covered include:
- Sales Management
- Sales Plans
- Measurement and Monitoring
- Sales Compliance
- Marketing Products and Services
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type:
This course provides the Saskatchewan General Insurance Council Bylaws and Agent’s Code of Conduct in preparation for the open book bylaw exam administered by the SK Insurance Council.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 0
Credit Type:
Accrediting Provinces:
This is the third course in a series of continuing education courses dealing with the SMI Personal Insurance Policy. While this policy is used to provide insurance for homeowners, condominium unit owners and tenants, the focus in this series of courses will be on the coverages provided for homeowners.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: MB14727
Accrediting Provinces:
This is the fourth course in a series of continuing education courses dealing with the SMI Personal Insurance Policy. While this policy is used to provide insurance for homeowners, condominium unit owners and tenants, the focus in this series of courses will be on the coverages provided for homeowners
In this course, we will focus on the following topic areas:
- Definitions
- Coverages E, F and G
- Coverage E - Legal Liability
- Personal Liability
- Premises Liability
- Tenants Legal Liability
- Employer's Liability
- Watercraft Liability
- Motorized Vehicle Liability
- Trailer Liability
- Business and Business Property Liability
- Resort Area Property Away From the Premises
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: MB14728
Accrediting Provinces:
This is the fifth and final course in a series of continuing education courses dealing with the SMI Personal Insurance Policy. While this policy is used to provide insurance for homeowners, condominium unit owners and tenants, the focus in this series of courses will be on the coverages provided for homeowners.
In this course, we will focus on the following topic areas:
- Defense, Settlement, Supplementary Payments
- Exclusions - Loss or Damage Not Insured
- Coverage F - Voluntary Medical Payments
- Coverage G - Voluntary Payment for Damage to Property
- Basis of Payment - Coverage G
- Jet Propulsion Personal Watercraft Liability Extension
- Additional Exclusions - Section II
- Conditions
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: MB14729
Accrediting Provinces:
This is the first course in a series of continuing education courses dealing with the Saskatchewan Mutual Insurance Company Personal Insurance Policy. While this policy is used to provide insurance for homeowners, condominium unit owners and tenants, the focus in this series of courses will be on the coverages provided for homeowners.
In this course, we will deal with the following topic areas:
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical
Credit #: MB14725
Accrediting Provinces:
This is the second course in a series of continuing education courses dealing with the SMI Personal Insurance Policy. While this policy is used to provide insurance for homeowners, condominium unit owners and tenants, the focus in this series of courses will be on the coverages provided for homeowners.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: MB14726
Accrediting Provinces:
A trip slip and fall injury is usually a premises liability or occupiers liability situation.
This type of personal injury claim or case is based on a person slipping or tripping on the premises of another, and as a result suffers an injury. The person who is injured by falling may be entitled to monetary compensation for the injury from the owner, or person in possession of the premises where the injury occurred.
Liability for slip or trip and fall injuries may arise based upon a defendant's ownership of the premises where the injury occurred, their control of the premises, or both.
We will review the various locations and situations where or when the incident may occur.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical
Credit #: AIC#59908; MB36494
Accrediting Provinces:
This is the first in a series of four continuing education courses dealing with the SMI Prestige Automobile Policy.
In this first course we will focus on the following topic areas:
Introduction
Part 1 - General Definitions
Part 2 - Automobiles to Which This Policy Applies
Part 3 - General Provisions and Exclusions
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: MB13251
Accrediting Provinces:
This is the second in a series of four continuing education courses dealing with the SMI Prestige Automobile Policy.
In this second course, we will focus on Section A - Third Party Liability which is the first of the four coverage sections provided under the policy heading, 'Part 4 - Coverages.'
Section B - Accident Benefits and Section C - Loss or Damage to Insured Automobile will be discussed in the third course of this series.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical
Credit #: MB13252
Accrediting Provinces:
This is the third in a series of four continuing education courses dealing with the SMI Prestige Automobile Policy.
In this course, we will focus on the following coverage sections provided under the policy heading, 'Part 4 - Coverages,' specifically:
Section B - Accident Benefits; and
Section C - Loss or Damage to Insured Automobile.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical
Credit #: MB13253
Accrediting Provinces:
This is the fourth and final course in the series of continuing education courses dealing with the SMI Prestige Automobile Policy.
In this course, we will focus on the following Endorsements available to automobile owners insured by SMI's Prestige Automobile Policy, specifically:
- E.E.F. 5 -Permission to Rent or Lease (Specified Lessee)
- E.E.F. 19 -Limitation of Amount
- E.E.F. 19a - Stated Value
- E.E.F. 20 - Loss of Use and E.E.F. 20a - Liability for Loss of Use
- E.E.F. 27a - Legal Liability for Damage to Non-Owned Automobiles
- E.E.F. 43 - Replacement Cost Coverage
- E.E.F. 43L - Limited Waiver of Depreciation (Specified Lessee)
- E.E.F. 44 - Family Protection Coverage
- E.E.F. 103 - Excess Value
- E.E.F. 111 - Limited Waiver of Deductible
- E.E.F. 114 - Restoration Endorsement
- E.E.F. 115 - Repair Endorsement
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 3
Credit Type: General/Adjuster - Technical
Credit #: MB13254
Accrediting Provinces:
This 2 lesson course will provide students with an outline when obtaining a statement and the subsequent claims follow-up investigation.
The objectives of Lesson One are to:
- Provide students with an outline or structure to apply when obtaining statements.
- Provide basic questioning techniques to assist those individuals writing statements.
The objectives of Lesson Two are to:
- Explain to the student the factors involved in the investigation process.
- Explain and review pertinent definitions, forms, levels of authority and agreements specific to claims and claims investigation.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical (Alberta - Adjuster Only)
Credit #: AIC#59909; MB 27039
Accrediting Provinces:
In this course, we will identify the rules for getting and keeping the best employees under the following headings:
- The Great Boss Success Formula
- Follow the Leader
- Will the Real Boss Stand Up?
- Lose Customers or Lose Employees
- Mediocrity
- Hire Slow
- Hiring is a Promise
- Delegate
- Pay Attention!
- Well-done!
- Confronting
- Be Firm, Fair, and Friendly
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management
Accrediting Provinces:
Taking Control - Creating a Time Management System that Works for You
As insurance professionals, managing your time is important. From answering voicemails and emails to arranging meetings, there is a distinct need to have strong time management skills. This course examines the basic skills of organization and prioritizing. The information in this course drawn from the book entitled Time Management by Marc Mancini.
Outline:
- Organization and basic scheduling
- Time management misconceptions
- First priority: prioritizing
- Time killer: procrastination
- Goals, blocks, clusters and distractions
- Delegating
- Saying �No�
- Anticipation
- Time Crimes
- Tools of the Time Management Trade
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
Advances in technology will have a major impact on all aspects of the business of insurance worldwide. For example consumers have become more knowledgeable and expect more, opportunities for auto insurance are changing, personal data is being used more extensively than ever before. There is much to consider.
By the end of this course you will be able to:
- Describe the technology and its impact on the insurance industry
- Explain planning for technology implementation in the insurance industry
- Describe the exchange of data between brokerages and insurance companies
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB#30088
Accrediting Provinces:
Tenants do not own the building they live in; and therefore, do not insure that building. The basis of tenant's insurance is personal property coverage. Most people, particularly younger people, really under estimate the value of their personal property, so it is vital that proper values are selected.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC# 51233; MB# 20227
Accrediting Provinces:
Topics discussed in this Part include: 1.Why Separate Policy Needed 2.E&O Claims Increasing 3. Scope of E&O Insurance Policies 4. E&O Insurance Mandatory in Some Provinces 5. Standard of Duty of Care Expected of Insurance Agents and Brokers 6. Theories of Liability � How our Legal System Determines the Standard of Duty of Care we owe to our Clients
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC#60396; MB 14070
Accrediting Provinces:
Topics discussed in this Part include: 1. Why Separate Policy Needed 2. 2. E&O Claims Increasing 3. Scope of E&O Insurance Policies 4. E&O Insurance Mandatory in Some Provinces 5. Standard of Duty of Care Expected of Insurance Agents and Brokers 6. Theories of Liability - How our Legal System Determines the Standard of Duty of Care we owe to our Clients
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Management / General/Adjuster - Technical
Credit #: AIC#60397; MB 14067
Accrediting Provinces:
This is the second in the series of four courses dealing with the new CGL policy. In this course, we will discuss the following:
- Coverage A – Bodily Injury and Property Damage Exclusions (g) – (v)
- Section II – Who Is An Insured.
[Reference Document: IFC 33500/05) and Liability Divider 33400]
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB31828
Accrediting Provinces:
Risk Management includes all things an individual, group, business owner, organization or other entity can do when dealing with pure risks to ensure that the potential for financial loss from an accident or event is avoided or minimized. While Risk Management is important for everyone, this course focus primarily upon business risks. By the end of this course you will be able to help business owners develop a formal written Risk Management Program that incorporates strategies the business will use to avoid or minimize the adverse financial consequences of an accident or other event on the business.
There are many advantages to providing business clients with this knowledge. Insurance brokers who spend the time to help their clients look at their business from a risk management perspective are more likely to be viewed as being more professional. While clients are sure to be more informed about their loss exposures, brokers will also be helping to avoid an Errors and Omissions claim against them and the brokerage by ensuring they have provided clients with information those clients should reasonably expect to have received from their insurance broker.
Topics covered include:
- A planned approach to risk management
- Five steps in the risk management process
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB#30090
Accrediting Provinces:
Successful selling doesn't happen by accident. It is a learned skill. Having said that, there are many brokers who have never taken a sales course and who simply do not understand the 'Sales Process' . . . ie) the steps we must go through to be successful in sales. This two part course is for those brokers and anyone else who wants to improve their selling skills.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
This is a continuation of our study of the Sales Process. In Part 1, we discussed the first two steps of this process, specifically:
Step 1. Need Analysis
Step 2. Need Awareness.
In this last Part, we will focus our discussion on the remaining steps of the Sales Process, specifically:
Step 3. Need Solution
Step 4. Need Satisfaction.
Upon completion of this course, we should be able to identify the main elements of each step of the Sales Process . . . ie) the things we should be doing as a brokerage to increase our chances for successful selling.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
Successful selling doesn't happen by accident. It is a learned skill. Having said that, there are many brokers who have never taken a sales course and who simply do not understand the 'Sales Process' . . . ie) the steps we must go through to be successful in sales. This two part course is for those brokers and anyone else who wants to improve their selling skills.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
This is a continuation of our study of the Sales Process. In Part 1, we discussed the first two steps of this process, specifically:
- Step 1. Need Analysis
- Step 2. Need Awareness.
In this last Part, we will focus our discussion on the remaining steps of the Sales Process, specifically:
- Step 3. Need Solution
- Step 4. Need Satisfaction.
Upon completion of this course, we should be able to identify the main elements of each step of the Sales Process . . . ie) the things we should be doing to increase our chances for successful selling. These specifics or 'how to's' form the blueprint for successful selling. Only when they are used consistently and over a long period of time will we truly own them. Having and using this blueprint will make us truly great salespeople.
This course concludes with a discussion of How to Cross Sell.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Personal Skills
Accrediting Provinces:
Whenever faced with a liability claim we instinctively attempt to determine fault, look for negligence. Negligence is based on a breach of duty of care; we accept this as the norm. In their wisdom, our courts have recognized that there are special groups in our society, which because of position or the relationship with others have a higher duty of care imposed on them. There are even extreme circumstances where parties can be held liable in the absence of negligence. On the flip side, the courts also recognize acceptable liability defenses which apply to specific situations, but will not hold up under normal circumstances. Torts identify these special situations, explain the exceptions in our laws and provide guidelines for the adjustment of claims for these out of the ordinary occurrences.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: Adjuster - Technical
Credit #: AIC#60403; MB10943
Accrediting Provinces:
Taking a holiday or business trip can be an exciting time for any traveller. However, there are risks associated with travelling that should be addressed with insurance. This course focuses on trip cancellation and interruption insurance and general characteristics of travel insurance policies.
By the end of this course you will be able to:
- Describe trip cancellation, interruption and other available travel insurance coverages
- Describe general characteristics of travel insurance policies
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: MB#30084
Accrediting Provinces:
This course studies the art, or science of underwriting so you can better understand what the underwriter tries to accomplish at the insurance company. Presented by Todd Hochban, this video course focuses on Commercial Property underwriting.
Outline
- What is underwriting
- Underwriting pyramid; Occupancy, Construction, Protection, Financial, Broker Support, Judgment
- Technical and Analytical underwriting
This course qualifies for 1 continuing education credit hour (Technical).
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC #51234; MB# 19662
Accrediting Provinces:
UDAP – Unfair or Deceptive Acts or Practices Rule
The purpose of the course is to provide detailed information to show the broadened scope of unfair and deceitful acts and practices in the FRSA Rule and to make insurance professionals aware of the importance of being fully versed in its stipulations.
Course Content
This course covers the following topics:
- Benefits of the Unfair or Deceptive Acts or Practices (UDAP) Rule
- Reasons insurers, brokers and agents in the province of Ontario should review the Rule in its entirety
- Interpretation of terms and references within the Rule
- Unfair or Deceptive Acts or Practices as set forth in S.3-S.10
- Particulars of Coming into Force
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Ethics
Accrediting Provinces:
In this course, we will deal with:
- The importance of providing good customer service
- The role of employees in developing a Customer Service strategy
- How to empower employees
- Developing a Reward System
- Creating a Service Environment
- What Our Customers Want
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: RIBO - Management
Accrediting Provinces:
In this course, we examine the who, what, where, why and how of employee theft and offer suggestions for risk management techniques that can be implemented by business owners to deter employee theft, under the following headings:
- Whodunit? Employee Dishonesty in Canada
- Risk Management Techniques for Employers
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 2
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC#60404; MB12310
Accrediting Provinces:
When the Smoke Clears
A general course on fire and smoke damage. In Lesson 1, you will be introduced to the common elements and causes of fires, followed by a discussion in general terms on building characteristics, safety systems, control switches, construction features, and flammable storage.
In Lesson 2, methods of preventing or locating fires and types of fire suppression systems are discussed as well as automobile and wildfires along with their causes and considerations for claims adjustment.
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: General/Adjuster - Technical / RIBO - Technical
Credit #: AIC 55875, MB 27040
Accrediting Provinces:
Understanding Workplace Bullying & Tools for Safeguarding an Organization from Bullying Behaviour
Workplace Bullying is unwanted behavior. Laws are currently in place or being developed to stop this behaviour. This course provides the knowledge needed to determine whether a problem exists in a workplace, how to prevent incidents of bullying, and how to keep organizations free from the effects of this degrading behaviour.
The course is divided into four modules with a final exam:- Identification of Workplace Bullying and the Law
- Preventing Workplace Bullying
- Developing a Workplace Bullying Prevention Program
- Conclusions
- Final Exam
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Personal Skills / General/Adjuster
Credit #: AIC #51244
Accrediting Provinces:
Understanding Workplace Bullying & Tools for Safeguarding an Organization from Bullying Behaviour
Workplace Bullying is unwanted behavior. Laws are currently in place or being developed to stop this behaviour. This course provides the knowledge needed to determine whether a problem exists in a workplace, how to prevent incidents of bullying, and how to keep organizations free from the effects of this degrading behaviour.
The course is divided into five modules with a final exam:- Identification of Workplace Bullying and the Law
- Developing a Workplace Bullying Prevention Program: Identify the Hazards / Risk Factors
- Preventing Workplace Bullying: Policy Development
- Developing a Workplace Bullying Prevention Program: Formal Resolution Process / Educational Programs
- Conclusions
- Final Exam
Access Duration from the Date of Purchase: 6 Month(s)
Credit Hours: 1
Credit Type: RIBO - Management / General/Adjuster
Credit #: AIC #51245
Accrediting Provinces: