AILP

Anyone pursuing the AILP or AILP/CL designation must complete these courses (unless exempt). Each course has a one-hour essay exam at the end of the day, centered on the material presented that day.

🔷COVERAGE COURSES: CL

AILP Coverage: Commercial Auto

• Eligibility vs. personal lines for individually owned business vehicles
• Declaration Page importance of Item 2 covered auto section
• Importance of symbols to create covered auto definition
• Liability insuring agreement, insured definition, exclusions
• Physical damage insuring agreement and exclusions
• Important BAP endorsements such as Additional Insured, Massachusetts amendatory endorsement, etc.

AILP Coverage: Commercial General Liability

• Sources of liability
• Occurrence vs. claims made
• Who is the insured, or not?
• Mechanics of aggregate limits
• An insuring agreement, territory, and known occurrences
• Exclusions such as contractual, pollution, auto, property damage, your work, and product
• An insuring agreement, personal and advertising injury definition, need for separate cyber and discrimination
• C medical payments insuring agreement and restrictions

AILP Coverage: Workers' Compensation

• Independent contractor vs. employee
• 3A vs. 3C vs. MA LOS
• Part I benefits and what it doesn't pay
• Part II EL and third-party action over dual capacity, consequential loss, and exclusions
• Important endorsements such as USLHW, Maritime, Voluntary Compensation, and waiver of our right to recover and when qualify for them
• Addressing the leasing situation

AILP Coverage: Commercial Property

• General issues of valuing property ACV vs. R/C vs. Functional
• Coinsurance
• Methods of writing specific, blanket, and value reporting
• Addressing the Building and Contents Form CP 00 10 – What's building and BPP and what's not
• Additionals
• Extensions
• Property conditions of vacancy and loss valuation
• Cause of Loss Special Form CP 10 30
• General exclusions, additional exclusions, and limitations of

🔷ISSUES COURSES: CL

AILP Issues: Commercial Liability Part 1

• "Who is an insured" issues such as why the request for CG 20 11 Managers or Lessors of premises?
• Contractors, Owners, and Developers issues such as CG 20 33, CG 20 10, and CG 20 38, specified vs. automatic; what's the difference? Why the request for older editions vs. newer editions? What is "arising out of"?
• AI vs. NI: Is there a difference?
• Indemnitee vs. AI status
• Primary and non-contributory or not
• Limits – How much is enough? Amending the limits, designated project or premises, aggregate limit amendments, products, and completed operations redefined and why
• Miscellaneous issues such as the statute of limitations vs. statutes of repose, waiver of subrogation provision vs. endorsement, wrap-ups and your client, certificate of insurance issues and problems

AILP Issues: Commercial Liability Part 2

• Exclusions that cause problems such as Damage to property – operations vs. completed operations exclusions; Renting property – real or personal and damage to it; improper use of damage to your work exclusion; Construction defect or not; Pollution, not exclusion; Liquor liability and BYOB; Auto in the GL; Drones and finding
• Exclusionary endorsements to beware of: Excluding specifics, Amendment, and limitation endorsements that are exclusions in disguise
• Exclusions remind us to buy other policies, such as EPLI and Cyber

AILP Issues: Commercial Property

• Knowing how to amend property when you need to – additional covered property endorsement for the excluded property; property not covered endorsement to avoid duplication; specific property endorsements for certain property types such as signs, antennas, and landscaping; New options for tenants and building items; drones
• Endorsements affecting loss settlement, such as manufacturers selling price, margin clause, value reporting form, ordinance or law and debris removal, vacancy change options
• Adding other interests – loss payable or adding building owner
• Business income issues – Coinsurance; described premises or not; BII period exclusion; ordinance or law consideration; BII form vs. BII in BOP; amending the period of restoration; dependent property consideration; BII and loss to vehicles; drones and BII

AILP Issues: MLIS EPL Understanding the Exposures and Insurance (IRMI course)

• Identify five key common law exposures to EPL claims
• Identify the most important federal statutes relating to workplace discrimination and recognize the employment-related exposures such statutes create
• Compare the various methods of obtaining EPLI
• Recognize how the covered persons/covered organizations/covered acts provisions function within EPL policies.
• Recognize the scope provided by (a) third-party liability provisions, along with the (b) "claim" and (c) "damages" definitions included within the policies
• Recognize the major components of the claims-made triggers used to write EPL.

AILP Issues: MLIS Cyber and Privacy Liability Exposures and How to Insure Them (IRMI course)

• Recognize key areas of confusion inherent in cyber and privacy, beginning with the fact that it is referred to under different names by different insurers.
• Identify the major types of third-party liability losses that result from cyber and electronic activities: (1) information security liability, (2) privacy liability, and (3) content liability.
• Recognize the major types of first-party property losses that result from cyber and online activities: (1) business interruption, (2) dependent business interruption, (3) extra expense, (4) data asset loss, (5) cyber extortion, (6) computer fraud, (7) funds transfer fraud, and (8) miscellaneous crime losses.
• Recognize the effect of the key first-party property and third-party liability insuring agreements found within the policies.
• Identify the most important exclusions found within cyber and privacy forms.