 Level II - Coverages and Loss Control Survey Strategies
All courses in this level focus on individual property or casualty coverages that are commonly surveyed by Loss Control professionals. Each course spotlights basic coverage and underwriting information that sets the stage for the survey. The primary emphasis, however, is on loss control specific exposure and control information that reps need to assess to develop a professional opinion of risk for each account they survey. Like all of our courses, the content is field-based and reflects the extensive industry experience of our subject matter experts. Practical tips are routinely provided enabling learners to quickly develop above average assessment and report writing skills. Available Level II courses are listed below. Additional courses covering Workers' Compensation, Property, Contractors Liability, Premises Liability, Garage Liability and Garage Keepers Liability and Inland Marine will be released in 2008 and 2009.
Course 15: Business Auto
This course provides an introduction to Business Auto coverage and some of the common exposures and controls that might be found during a loss control survey of a small fleet. Sales and incidental fleets, service and delivery fleets and some CDL/DOT issues are developed as they pertain to many smaller accounts. The course develops content around five primary loss control focal points: (1) the underwriting need, (2) different types of vehicles in the fleet, (3) use of the vehicles, (4) the drivers and (5) the basic management controls that are expected. The management controls emphasized for this smaller fleet include driver selection and monitoring (including use of MVR's), vehicle maintenance practices, accident investigation procedures and the Vehicle Operations Policy.
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Course 16: Product Liability
This course provides the learner with a review of the underlying legal doctrines that apply in most product liability cases: strict liability, negligence and warranty law. From this foundation, the basic components of a Products Loss Control-Claims Defense Program are introduced in a practical manner. Design, warning and manufacturing controls are reviewed first, followed by claims defense strategies in the areas of sales and marketing, recordkeeping and traceability, monitoring the field performance of products, service and installation issues, product recall measures, the role of legal counsel and the Product Safety Policy statement. Throughout the course, numerous insights are provided to enhance the quality of the survey from both the loss control and underwriting perspectives.
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Course 17: Completed Operations
This course will provide the learner with a sound understanding of Products/Completed Operations coverage, a primary insurance need for all contractors.
They will also learn how many non-contracting accounts (typically involving service or repair operations) have similar exposures as well. In addition to
gaining an understanding of the coverage triggers, reps will learn about some of the unique needs underwriters have for operational information when
evaluating risks for Completed Operations coverage. The course then addresses the loss control measures that should be evaluated for all risks highlighting
controls, such as effective supervision, properly trained personnel, day-to-day quality control measures and recordkeeping practices. Throughout the
course, helpful tips are provided to enhance the quality of the survey from the loss control and underwriting perspectives.
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Course 18: Product Liability for Fabrication and Machine Shops
Product liability exposures for machine and fabrication shops vary greatly depending on the operation of each risk. In this course, reps will learn about
the basic operations of these types of risks along with the range of additional services that can significantly increase the product liability exposure.
Examples include machine shops that offer design services, have warning responsibilities or rebuild equipment, as these operations go beyond the typical
"work to the specifications of others" that characterizes this class. The need to identify the end user of the goods is also emphasized due to the impact
on the Product Liability exposure. Finally, the basic components of the Products Loss Control-Claims Defense Program are reviewed to bring focus to the
areas of control that must be evaluated based on the actual exposures of the risk. The Product Liability courses is a highly recommended prerequisite to
this course.
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