Effective 11/1/16: The Washington Office of Insurance (OIC) has reduced CE hours and omitted Ethics credit for Washington CIC courses. All CIC courses in Washington are now approved for 20 credit hours, with no Ethics credit.
The exception is Agency Management, which has been approved for 20 hours (18 + 2 Ethics).
If you have questions regarding the new CE approval, please contact the OIC directly at 360-725-7144.
PERSONAL LINES INSTITUTE
PERSONAL RESIDENTIAL COVERAGES
Addresses the eligibility requirements for insuring residential property under the Homeowners policy. Analyzes the ISO Homeowners Program and policy contract, including property and liability coverages, limitations, and exclusions, as well as other policy provisions. Reviews the exposures of the homeowners client, identifies the appropriate coverages to handle those exposures, and identifies how policy endorsements provide solutions for specific situations. An overview of the Dwelling Program and its policies is also provided.
PERSONAL AUTOMOBILE COVERAGES
Presents an in-depth analysis of the Personal Auto Policy. Discussion focuses on the application of policy definitions, insuring agreements, and the purpose and scope of the various coverage parts for Liability, Medical Payments, Uninsured Motorists, and Damage To Your Auto Coverages. Policy exclusions, limitations and important endorsements are also examined.
PERSONAL UMBRELLA/EXCESS COVERAGES
Identifies why customers need Personal Umbrella/Excess coverage and provides an analysis of the various types of policies commonly seen in the marketplace. Coverage concepts unique to Umbrella/Excess coverage are carefully reviewed such as the “self-insured retention”, defense provisions, and definition of “personal injury”.
Presentation begins with a review of the limitations and exclusions for watercraft (including personal watercraft) found in the Homeowners policy. The remainder of the curriculum will address watercraft coverage found in Boat owners, Watercraft, Yacht and Personal Watercraft policies. The concepts of warranty, navigation area/limit, and navigation period are analyzed.
PERSONAL LINES CASE STUDY
This section introduces the risk management process and how it may be utilized to address the personal lines client’s exposures to loss. Participants will form small groups to analyze a fictional family’s exposures and apply specific personal lines risk management techniques.
Presents an overview of the National Flood Insurance Program (NFIP) and a review of the NFIP Standard Dwelling Policy. Since the flood policy has unique definitions, rules, coverages and settlement options, this presentation focuses on those key fundamental elements.
Provides an analysis of condominium ownership and the unique property and liability exposures that are created for the individual condominium unit-owner. Special emphasis is given to the importance and role of the Condominium Agreement and Association Bylaws in determining the unit-owner’s insurance needs. Discussion will also focus on the comparison of coverages provided by the Homeowners Unit-Owners form to those provided by the commonly use Homeowners Special form.
PERSONAL LINES CATASTROPHE COVERAGES
Reviews the coverages available to insure losses caused by catastrophic perils including Earthquake and Flood. Specifically, endorsements to the Homeowners policy and the coverages provided by private and public programs will be explored.
STATE SPECIFIC EXPOSURES/INNOVATIONS/SPECIAL COVERAGES
Various topics may be presented in this section to meet state specific needs or regulatory requirements in certain jurisdictions such as No-Fault Auto (PIP) Coverage. Special Coverages and Innovations topics may include: Home-Based Business, Farm and Ranch Coverage, Rental Car Coverage, Mobile Home Coverage, and Wind