Cyber policies are many and varied. It seems every carrier has its own version, even though there is an ISO policy available out there. In this session, Casey Roberts will help us to understand some of the nuances of cyber policies and will answer these questions for us.

• What is the future of Ransomware given recent activity?


• How much attention should you pay to the exclusion for failure to maintain security standards?


• Do the Risk Management services of various carriers make much of a difference?

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What happens when the injury is small enough that $5,000 or $10,000 would pay for the injured person's bill? Do they really have to file a suit against the insured to get that money? That's where coverage C comes into play. This medical payments coverage makes it possible to handle small claims without a lot of issues. When we've handled medical payments, we will examine a part of the policy that provides for money outside of the liability limits to handle other things, like defense.

Join us in session number six in our CGL Master Class.

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Local governments deal with many issues, including unique liability exposures, that most businesses don't have to deal with. Some provide fire protection services and law enforcement services, not to mention the local school district and other departments. Each of which creates a different exposure, which needs to be addressed in their insurance program. Traditionally, many governmental agencies enjoyed a level of immunity from liability, but that concept of sovereign immunity has changed significantly over time. Join us as Brennan Quintus brings us his session on local government liability and deepen your understanding of this part of the insurance landscape.

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Do you serve any high net worth clients? Have you considered their cyber exposures? Have you considered what coverages might be available to help them to mitigate some of their cyber risks? In this class, Hayden Kopser, President of North Improvement, LLC, will help us to begin to understand the complex landscape of cyber insurance and the high net worth client.

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Employee turnover can be high anytime, but when you have one generation that is leaving the workforce at the same time as another is entering it, the result can be difficult for the business, and the industry. In this session, Nancy Germond is addressing one of the greatest needs in the insurance world, bringing the next generations up to speed before another generation exits the scene completely. Join us for this important class.

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Claims-made policies are complicated at best. Add to that the expanding case law that is narrowly interpreting coverage in different policies around the country, and you have the potential for an E&O nightmare. Join us as Fred Fisher helps us with this important topic.

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Cyber exposures are rising and businesses are having a hard time keeping up. Join us as Nicole Limpert helps us to understand the threats that are out there, how businesses can protect themselves, and what sets apart a good cyber policy from the rest of the market.

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James Moore has been in the insurance world for over 30 years and in that time, he has dealt with questions from all over the industry. In this session, he details his top ten most common and most important questions that he has dealt with. Join us as he helps us deal with the frustrations clients face, the types of consultants that you'll meet, how to deal with premium and claim reviews, and more.

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When most of us think about the CGL policy, we think about the bodily injury and property damage coverage (Coverage A), but there's more to it than that. Sometimes we forget that there is also something called personal and advertising injury that is included on the policy. Coverage B, personal and advertising injury, provides coverage for those offenses that are listed in the definition. Join us as we examine what those offenses are and several exclusions that apply to this coverage.

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