Commercial Property policies have gaps in coverage that are writting into them intentionally. Sometimes those gaps in coverage are for exclusions that cannot be insured. Sometimes, those gaps in coverage are created because the way the policy is written and rated, it doesn't anticipate certain losses and often those losses are likely to occur in connection with a property loss.

What's an insured to do about this? That's why Kevin Amrhein is with us. He's going to show us five places where there is a potential coverage issue and how we might help insureds to fix those issues.

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Insurance has a language all its own. Many of us simply smile and nod when we don’t understand a term. Some are ambitious enough to try and remember the terms they didn’t know and look them up later. A few brave souls will actually ask what an unfamiliar term means. We intend to begin to de-mystify the insurance language in this session.

Join us as Academy Director, Patrick Wraight brings the second part of a two-part introduction to these critical insurance concepts and terms.

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Insurance is a world all of its own and when you're new to the business, it takes a while to get used to the words we use, the letter and number combinations that we come up with (and people seem to just understand), and all the other stuff that doesn't make much sense.

Join us as we begin a new series of classes designed to help the new insurance person navigate this new world with confidence. In no time, you'll know the differences between a building and personal property coverage form and a builders' risk coverage form. You'll even understand the differences between an open perils policy and a named perils policy and you'll understand why the phrase "all-risks" makes Patrick twitch.

Join us as Academy Director, Patrick Wraight, dives into the world of commercial property policies.

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The unendorsed commercial property policy leaves a lot to be desired. There are coverage gaps and valuation issues. Join us as Kevin Amrhein helps us to understand how to help insureds not be broke as a joke.

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Multi-unit housing risks are complicated in part because of the integration of the risks between the landlord or building owner and the residents. Join us as Joe Harrington brings this session to simplify the complicated nature of these risks.

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What's harder on a business? The roof blows off (or burns off) or the lost income for the three months it takes to replace it?

Cash is the life of a business and when there's a property loss, the business often can't operate properly to generate income. That's where Business Income coverage comes in. Join us as Patrick Wraight brings us a session on the basics of Business Income coverage.

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When you tell the insured that they have replacement cost coverage on their building, what do they think you mean? They think that means a brand new building in place of the old one if something happens. But is that really what it means? No. Join us as Joe Harrington helps us to understand property valuation, what replacement cost really means, and what can be done to make replacement cost mean what we think it means.

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We know that the ISO Commercial Property Policy includes an exclusion for ordinance or law. Did you also know that there is an endorsement designed to provide the coverage to fill this exclusion? Did you also know that you can endorse flood as a covered cause of loss onto the commercial property policy? Join us as Academy Director, Patrick Wraight helps us with these and other endorsements.

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One of the first questions that must be addressed in the event of a property loss is what caused the loss?

After the cause of loss is determined, the next question is whether that cause of loss is a covered cause of loss.

In this session, we will dive into commercial property causes of loss forms to discover the difference between a covered cause of loss and an excluded cause of loss and find ways to change them.

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