Your farmer is hauling their products to a processing location, then backhauls other products for others – what, me worry? Farm liability coverage is broad and it is also limited. When using the CGL for your insured’s Farm and Ag exposures, what other coverage forms should you consider? This presentation will examine some of the challenges you face and issues to consider when securing coverage for your farm and ag customers.

Errors and omissions by an insurance producer can be extremely costly and damaging to the producer’s professional reputation. This course is designed to help insurance agents and brokers prevent many types of errors and omissions involving commercial liability insurance. The verb prevent is used here in the risk management sense. Loss prevention seeks to reduce the frequency or likelihood of claims. Complete avoidance is impossible. An agent or broker who has handled everything properly, following every guideline within this course, may still be sued for some alleged error or omission. However, the producer who successfully completes this course is less likely to be charged with an error or omission and will probably be better able to defend himself or herself against these allegations.

– Nebraska, like many states, has a unique approach to how farmers are to provide workers’ compensation for their employees. There is also an endorsement for that! This session will help you understand hurdles faced in the workers’ compensation area, when assisting your farm and ag customers.

Homeowner’s claims can be a challenge when we least expect. In this session, we will examine five difficult Homeowners claims using the ISO Homeowners 3 Policy. Facts from each claim will be introduced and then class participants will be asked their opinions of the coverage. The policy language pertinent to the claim will be examined.

Custom Harvesting can involve exposures which may lead to potential loss. Might my farmer also need to consider a Professional Liability policy? This session will show how to assist producers in securing the proper coverages.

– Personal Auto Claims can throw a curveball. This session will examine Five personal auto claims using the ISO Personal Auto Policy. Claim facts will be presented and class participants will be asked their opinions of the coverage. ISO Personal Auto policy language pertinent to the claim will be examined.

Farming isn’t always someone tilling the earth, planting the seeds in the dirt, irrigating, applying nutrients and then harvesting; at least not in that specific way. In this session we will look at the growing industry of Controlled Environment Agriculture. You will learn what Environmental Controlled Agriculture is and how it impacts your insured.

Adding a Trust as an insured under a Personal Lines policies is very complex. This session will detail complexities and prepare you how to address the issue of Trusts and procuring coverage in favor of the Trust. After explaining the issues, a discussion of insuring a real-life Trust, that I personally encountered, will be held.

This advanced Hold Seminar will explore coverage needs and exposures related to Personal Lines business exposures, Cyber Liability, and Employment Practices exposures and coverages. Participants will have the opportunity to learn basic and advanced coverage analysis to increase understanding and confidence when making coverage recommendations to their clients.

Growing in today’s marketplace (the hard marketplace) requires a bit of a different approach than we may be used to. Some know of the “hard market” as merely something the gray-haired old producers talk about in reverential terms, while others have no clue what they are talking about. This session will highlight how you can overcome obstacles to grow your book of business in today’s marketplace.

Explore how the ISO Homeowner Policy responds to property and liability exposures for activities in which insureds share their home. Such serves as Airbnb, Vrbo, Couchsurf, Holidaylettings and other others, make it very convenient to offer our homes to others. Understanding how Homeowner coverages are affected by these arrangements for both the provider and user must be understood by our clients.

Coronavirus is a lingering concern for your clients’ portfolio! In this session we will examine various coverage forms, personal and commercial, and identify potential areas of exclusion and perhaps inclusion.

Whether your clients use vehicles personally or in business, the pace of their technological advancement is breathtaking. This presentation will address the various levels of automobile autonomy currently available, both provided by the manufacturer and installed by our client’s after-market and insurance implications surrounding these vehicles.

This session highlights a recent court decision, deserving of your attention regarding Certificate of Insurance and their use and the potential minefield associated with “Certificates of Insurance” and their use.

Our clients seek convenience. In that vein, power-assist bicycles, battery or fuel-powered scooters, golf carts, handicap-assist vehicles and many other items which move under their own power give them the convenience and flexibility they desire. These items can be the source of bodily injury and/or property damage exposures. Our clients routinely think their current home, auto, commercial general liability or other policies they have in place will protect them. This presentation will help you understand how those assumptions may or may not be correct.

Whether you are a climate change believer or denier, your farm client may have to consider some different approaches to the crops they are growing and their treatment of the land entrusted to them. This session will explore what the future may hold for our farmers and the coverage they may need. Can you say Carbon Farming?

Much of the initial fervor surrounding these craft has died down. Still, the insurance professional must be diligent in identifying these risks (particularly for non-owned craft) to properly insure the exposure. This presentation will remind us of what we already suspect and enlighten participants on the depth of exclusions found in standard coverage forms for these items.

What is organic farming? Why is it growing? Is it something that is only the bailiwick of old hippies or is it truly an area of potential growth and interest to your farmer? This session will define organic farming, its popularity and what to look for when securing coverage.

Cannabis is fully legal in many states and It is legal for medical use in many states. Very few states remain where it is fully illegal. Understanding how ISO liability coverage forms ‘handle’ products which contain THC, including hemp, will be addressed.

The intersection of Bio-Tech and GMOs have become even more intertwined. Recent products have been approved and may be coming to your farms’ location soon. This session will show how Bio-Tech and GMO’s have become intertwined and what products to be on the lookout for. It will also answer the question, do ISO and AAIS have any endorsements that producers should be aware of, and, if so, what are the concerns?

– Are they money? Are they securities? How are they valued? And, oh, by the way, WHAT IS CRYPTOCURRENCY? This session will introduce many concepts and review personal lines and commercial lines coverage forms in relation to virtual currency.