THE MARVELOUS WORLD OF P&C INSURANCE
TABLE OF CONTENTS
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PART 1: AN ALIEN INVASION |
1 |
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THE CONCEPTS, THE BENEFITS, THE PEOPLE – AN OVERVIEW OF PROPERTY & CASUALTY INSURANCE |
4 |
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THE MARVELOUS WORLD OF PROPERTY & CASUALTY INSURANCE: THE ALIEN INVASION OF NEW YORK |
4 |
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THE CONCEPT OF RISK IN THE INSURANCE INDUSTRY |
7 |
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THE BENEFITS OF INSURANCE TO THE ECONOMY AND OUR SOCIETY AS A WHOLE |
8 |
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THE PEOPLE OF THE PROPERTY & CASUALTY INSURANCE INDUSTRY |
12 |
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THE UNDERWRITER: UNDERSTANDING, EVALUATING, AND DETERMINING POTENTIAL |
12 |
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THE UNDERWRITER: ENSURING PROFITABILITY |
14 |
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THE CLAIMS ADJUSTER: A BALANCING ACT |
17 |
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THE CLAIMS ADJUSTER: INVESTIGATING, COMMUNICATING, AND AUTHORIZING |
20 |
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SECTION SUMMARY |
23 |
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PART 2: A GIANT TOY TRAIN |
25 |
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PROVIDING PROTECTION FOR WHAT A PERSON OWNS – PERSONAL PROPERTY AND LIABILITY INSURANCE |
28 |
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THE MARVELOUS WORLD OF PROPERTY & CASUALTY INSURANCE: THE HOSTAGE SITUATION AT DETECTIVE PAXTON’S HOUSE |
28 |
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THE BASICS OF AN INSURANCE CONTRACT |
31 |
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DECLARATIONS |
32 |
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INSURING AGREEMENTS |
33 |
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CONDITIONS |
34 |
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EXCLUSIONS |
35 |
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DWELLING INSURANCE V. HOMEOWNERS INSURANCE |
36 |
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THE DWELLING POLICY |
36 |
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THE SIMILARITIES REGARDING THE BASIC FORM (DP-1), THE BROAD FORM (DP-2) AND THE SPECIAL FORM (DP-3) |
37 |
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THE DIFFERENCES REGARDING THE BASIC FORM (DP-1), THE BROAD FORM (DP-2) AND THE SPECIAL FORM (DP-3) |
40 |
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THE HOMEOWNERS POLICY |
47 |
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THE HOMEOWNERS POLICY: AN OVERVIEW OF SECTION 1 |
49 |
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THE HOMEOWNERS POLICY: AN OVERVIEW OF SECTION 2 |
53 |
|
PERSONAL AUTO INSURANCE |
60 |
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PART A– LIABILITY COVERAGE |
60 |
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PART B– MEDICAL PAYMENTS COVERAGE |
71 |
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PART C– UNINSURED MOTORIST COVERAGE |
75 |
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PART D– COVERAGE FOR DAMAGE TO YOUR AUTO |
80 |
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SECTION SUMMARY |
86 |
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PART 3: THE BANK HEIST |
88 |
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ENSURING PROTECTION FOR A PERSON’S BUSINESS – COMMERCIAL PROPERTY & LIABILITY INSURANCE |
91 |
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THE MARVELOUS WORLD OF PROPERTY & CASUALTY INSURANCE: THE BANK HEIST |
91 |
|
THE ROLE OF RISK MANAGEMENT |
95 |
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BUSINESS OWNER’S POLICY (BOP) V. COMMERCIAL PACKAGE POLICY (CPP) |
100 |
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BUSINESS OWNER’S POLICY (BOP) |
100 |
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COMMERCIAL PACKAGE POLICY (CPP) |
101 |
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OTHER TYPES OF COMMERCIAL INSURANCE |
102 |
|
DIRECTORS & OFFICERS (D&O) LIABILITY: AN OVERVIEW |
102 |
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WORKERS’ COMPENSATION: AN OVERVIEW |
105 |
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COMMERCIAL AUTO POLICIES: AN OVERVIEW |
107 |
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THE ROLE OF THE COMMERCIAL UNDERWRITER |
110 |
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USING THE COPE MODEL |
110 |
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CONSTRUCTION |
110 |
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OCCUPANCY |
111 |
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PROTECTION AND EXTERNAL EXPOSURES |
111 |
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SECTION SUMMARY |
113 |
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COURSE REVIEW |
115 |
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PART 1: THE CONCEPTS, THE BENEFITS, THE PEOPLE |
115 |
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PART 2: PROVIDING PROTECTION FOR WHAT A PERSON OWNS |
117 |
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PART 3: ENSURING PROTECTION FOR A PERSON’S BUSINESS |
118 |
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REFERENCES |
123 |
United Insurance Educators, Inc.