AILP/PL Designation Courses
Anyone pursuing the AILP or AILP/PL designation must complete these courses (unless exempt). Each course has a multiple-choice exam at the end of the day, centered on the material presented that day.
COVERAGE COURSES: PL
AILP Coverage: Homeowners
A full day on the mechanics of the homeowners' product
- Important definitions, review of Section I coverages, additional coverages, and perils
- Certain Section I conditions, such as insurable interest and loss settlement
- Section II coverages and exclusions
AILP Coverage: Personal Auto
A full day on the mechanics of the personal auto policy
- Eligibility for personal lines vs. commercial lines
- Importance of personal injury protection, uninsured motorists, property damage liability, optional bodily injury, underinsured motorist, and physical damage coverages
- Important exclusions and problems for each of the coverages
ISSUES COURSES: PL
AILP Issues: Personal Residential Part 1
- Eligibility and business – Airbnb and other business issues, named insured, and occupancy issues
- Definitions creating problems, such as residence premises, insureds or not, and Insured location challenges
- Other Section I Conundrums: Excluded property, D issues, debris removal questions, loss assessment problems, and those pesky peril arguments of accidental discharge or sewer backup, earth movement, ice dam, and/or water seepage
AILP Issues: Personal Residential Issues Part 2
- Loss settlement problems, such as R/C vs. Ordinance or law; Effect of Specified A vs. Additional limits of liability endorsements; Special Loss settlement endorsement
- Waiver of Subrogation or not
- Section II Exposures: Personal injury and social media, Toys, recreational vehicles owned or rented, Host liquor problems and the personal party, Vacations, and watercraft, Aircraft issues – drones and traveling, How much loss assessment is enough
AILP Issues: Miscellaneous Personal
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Condo issues that cause problems: Bylaws and limits; Master policies and deductibles, Special Form and property, loss assessment, and loss of use of rented condos
- Dwelling policy: DP-1 vs. DP-3 – identifying the major differences; Dwelling liability and personal injury; Short-term rental law
- Miscellaneous issues such as cyber, identity theft, and mobile device control over the home
AILP Issues: Personal Auto
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General issues: Eligibility; Customary operator; Named insured or not; TNC and other social media use, like DoorDash, Turo, etc.
- Identification of important issues such as "failure to furnish information, driving non-owned auto, ailment, operator exclusion.
- Auto rental problems of Long-term rental, loss settlement, rental contract requirements, and vehicle types
- General auto issues such as Cancellation - After a total loss and reasons the carrier can cancel "reasonable repairs and expenses" in a loss, Fault or not, Business use, and problems, Trailer or not
AILP Issues: Personal Umbrella
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Overview and Key Features of Personal Umbrella Policies. A deep dive into the ISO Personal Umbrella Liability Policy (DL 98 01 02 15). Available endorsements
- Things to consider when comparing Personal Umbrella Policies. Common Oversights in Personal Umbrella Policy Handling
- Case studies regarding important issues such as Business Use of a Non-owned Auto, Renting an Auto out of the country, and Personal Injury exposures
AILP Issues: Agent's E&O-Legal Duties, Data Risk & Operational Risk Mgmt
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Data privacy compliance and cyber exposures
- Binding authority and underwriting guidelines
- Certificates of Insurance and documentation standards
- ACT best practices for texting and e-delivery