STANDARD COMPETENCIES:

 

 I.      Describe the legal foundations and the general scope of each of the following liability exposures: premises and operations liability; products and completed operations liability; automobile liability; workers compensation and employers liability; professional liability; marine insurance; and aviation insurance.

 II.     Explain the liability coverages provided and exclusions listed  under the standard Commercial General Liability policy.

 III.    Explain the provisions of the Business Auto Coverage Form and related endorsements.

 IV.     Recommend business auto coverages, coverage symbols, and endorsements to provide appropriate coverage for a described organization. Justify your recommendations.

 V.      Describe the Garage Coverage Form and the Motor Carrier Coverage Form and explain how each differs from the Business Auto Coverage Form and the Commercial General Liability Coverage Form.

 VI.     Describe an employer¿s liability under the common law for occupational injuries of the employer¿s employees.

 VII.    In a given scenario, analyze whether the claim would properly be handled under the workers compensation coverage and/or under the employers liability coverage.

 VIII.   List standard endorsements to the Workers Compensation and Employers Liability policy.

 IX.     List and describe the common professions that would require Professional Liability coverage.

 X       Describe the unique characteristics of environmental loss exposures that must be taken into account when applying the risk management process to environmental exposures.

 XI.     List and describe the loss exposures faced by vessel owners and charterers.

 XII.    Recommend appropriate marine coverages for a described organization, and justify your recommendations.

 XIII.   Explain the characteristics of aircraft loss exposures and the factors considered in evaluating them.

 XIV.    Compare the basic functions of excess and umbrella liability insurance.

 XV.     Describe the advantages and disadvantages of the following risk management techniques: self-insurance; large deductible plans; captive insurers; fronting; and retrospective rating plans.

 TOPICAL OUTLINE:

 

 I.      Liability Loss Exposures

 II.     Liability Risk Control

 III.    Commercial General Liability Insurance

 IV.     Business Auto Insurance

 V.      Garage and Motor Carrier Insurance

 VI.     Workers Compensation and Employers Liability Insurance

 VII.    Professional Liability Insurance

 VIII.   Environmental Insurance

 IX.     Marine Insurance

 X       Aviation Insurance

 XI.     Excess and Umbrella Liability Insurance

 XII.    Advanced Risk Management Techniques